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Final Expense Plan

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Final Expense

With the rising cost of funeral expenses and settling of debts, such as credit card balances, mortgages and car loans – an unexpected death could leave your family with unexpected bills.

  • - Offers life insurance for now and your future
  • - Provides a guaranteed cash value*
  • - Includes tax-efficient estate planning
  • - Affordable, payroll-deducted premiums for CSEA members

Underwritten by New York Life Insurance Company.
*Guarantees are based on the claims paying ability of the issuer.

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  • Valuable Life Insurance Benefits Help Take Care of Final Expenses
  • Apply for coverage if you work at least 20 hours a week
  • Guaranteed Minimum Coverage – regardless of your health – if you are an active employee working 20 hours or more per week and apply within the first 7 months of employment.
  • Benefits will not reduce
  • Available to retired members, subject to Evidence of Insurability.


CSEA Sponsored Plan Offers You Cash Value Coverage

You get valuable life protection which is designed to pay benefits to your beneficiary in the event of your death. Plus, it builds a Cash Value. So if you decide to end your coverage before a claim, you collect cash equal to the value. See the Cash Value chart.

Work Just 20 Hours a Week

You are eligible for coverage if you are a CSEA member, actively employed, and working at least 20 hours per week.

Retired CSEA members age 80 and under are still eligible for coverage if they maintain their Retired CSEA membership. Evidence of insurability is required. You must not be on active duty with the military.

See "Who is Eligible?" section for full eligibility requirements on the Benefits tab.

Guaranteed – Regardless of Health -- in Your First 7 Months of Work

Apply for coverage during your first seven months of employment and you're guaranteed coverage. After that, you must complete an application and be medically underwritten.

After your application is approved, coverage will start the first day of the month following the first payroll deduction of premium, if you are Actively at Work on that date. If not, coverage starts the day you return to work.

Download a Guaranteed Application for employees with less than 7 months of employment



CSEA members age 80 and under who are US Residents, employed less than 7 months and continuously working at least 20 hours per week (excluding retired employees) qualify for a guaranteed minimum benefit amount of $20,000. You must complete an application if enrolling after 7 months of employment, increasing coverage after the initial enrollment, or retired and enrolling for coverage. CSEA membership is required to maintain life insurance benefits under this program.

You must not be on active duty with the military.



The values in the following table show the amount of money available per $1,000 of insurance — according to your age at the time it was issued and the number of years for which premiums have been paid — if you terminate your coverage. For values other than those shown, contact us at +1-800-296-2732.



Check out these payroll-deducted premiums - easy to budget.

As a CSEA member or Retired CSEA member, you quality for discounted group rates for the Final Expense Plan.

Final Expense Cash Surrender Value Rate Chart: View Rate Chart

Final Expense Rate Chart for 2017/2018: View Rate Chart

These are the monthly premium rates per $1,000 for your insurance age* when coverage is issued. To determine your monthly premium for your insurance age, multiply the rate shown by amount of life insurance applied for.

* Your 'insurance' age is age nearest birthday on the November 1 prior to the effective date of coverage.


As a CSEA member, you'll never have to worry about paying your premiums on time. That's because your premiums are paid through the convenience of payroll deduction*. If you are retired, your premiums will be deducted from CalPERS.

*Payroll deduction is only available for SEIU, CSUEU, ACSS. Retirees will be deducted from CalPERS. All other groups leverage auto-renewal through automatic bank deduction or credit card.



Effective Date of Coverage

Your CSEA Final Expense Life Plan benefits can begin following approval from New York Life. Your coverage will take effect on the first day of the month after your application has been approved and first payment has been received, via payroll deduction or from CalPERS if you are retired. Once approved you will receive a Certificate of Insurance describing the terms and conditions of your coverage. If you are not working full-time on the date your insurance is scheduled to become effective, your insurance will not become effective until you return to full-time work. However, if you are not actively working due to a non-working day, you will still become insured on the scheduled effective date provided you would have been able to do your regular job on that non-working day.

Effective Date of Coverage

If you decide your Endorsed CSEA Final Expense Life Plan isn't for you, just let us know within the first 30 days. We'll promptly refund your premiums and invalidate your coverage provided there has been no claims … no questions. No obligation.

When Coverage Ends

Your coverage will end upon Policy termination age as long as you continue to pay premiums when due, remain a CSEA member, and the Policy remains enforced.

Beneficiary Designation

You can name any beneficiary you wish for member coverage. You may change this beneficiary at any time, by written request. Your beneficiary is the person(s) last designated by you in writing, and recorded by or on behalf of New York Life Insurance Company. You are the automatic beneficiary for dependent insurance, as described in the Certificate of Insurance. If you wish to name another beneficiary for dependent spouse or child insurance, contact the administrator at +1-800-296-2732) for the applicable form.


How New York Life Obtains Information and Underwrites Your Request For Final Expense Insurance

In this notice, references to "you" and "your" include any person proposed for insurance. Information regarding insurability will be treated as confidential. In considering whether the person(s) in your request for insurance qualify for insurance, we will rely on the medical information you provide, and on the information you AUTHORIZE us to obtain from your physician, other medical practitioners and facilities, other insurance companies to which you have applied for insurance and MIB, Inc. ("MIB"). MIB is a not-for-profit organization of insurance companies, which operates an information exchange on behalf of its members. If you apply for life or health insurance coverage, a claim for benefits is submitted to an MIB member company, medical or non-medical information may be given to MIB, and such information may then be furnished by MIB, upon request, to a member company.

Your AUTHORIZATION may be used for a period of 24 months from the date you signed the application for insurance, unless sooner revoked. The AUTHORIZATION may be revoked at any time by notifying New York Life in writing at the address provided. Your revocation will not be effective to the extent New York Life or any other person already has disclosed or collected information or taken other action in reliance on it, or to the extent that New York Life has a legal right to contest a claim under an insurance certificate or the certificate itself. The information New York Life obtains through your AUTHORIZATION may become subject to further disclosure. For example, New York Life may be required to provide it to insurance, regulatory or other government agencies. In this case, the information may no longer be protected by the rules governing your AUTHORIZATION.

MIB and other insurance companies may also furnish New York Life, its subsidiaries or the Plan Administrator with non-medical information (such as driving records, past convictions, hazardous sport or aviation activity, use of alcohol or drugs, and other applications for insurance). The information provided may include information that may predate the time frame stated on the medical questions section, if any, on this application. This information may be used during the underwriting and claims processes, where permitted by law.

New York Life may release this information to the Plan Administrator, other insurance companies to which you may apply for life and health insurance, or to which a claim for benefits may be submitted and to others whom you authorize in writing, however, this will not be done in connection with test results concerning Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV). We may also make a brief report of your protected health information to MIB, but we will not disclose our underwriting decision.

New York Life will not disclose such information to anyone except those you authorize or where required or permitted by law. Information in our files may be seen by New York Life and Plan Administrator employees, but only on a "need to know" basis in considering your request. Upon receipt of all requested information, we will make a determination as to whether your request for insurance can be approved.

If we cannot provide the coverage you requested, we will tell you why. If you feel our information is inaccurate, you will be given a chance to correct or complete the information in our files. Upon written request to New York Life or MIB, you will be provided with non-medical information. Generally, medical information will be given either directly to the proposed insured or to a medical professional designated by the proposed insured. Your request is handled in accordance with the Federal Fair Credit Reporting Act procedures. If you question the accuracy of the information provided by MIB, you may contact MIB and seek a correction. MIB's information office is: MIB, Inc., 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734, telephone +1-866-692-6901 (TTY +1-866 346-3642). For Canadian residents, the address is: MIB Information Office, 330 University Avenue, Suite 501, Toronto, Ontario, Canada M5G 1R7, telephone +1-416-597-0590). Information for consumers about MIB may be obtained on its website at


If we can provide the coverage you requested, we will inform you as to when such coverage will be effective. Under no circumstances will coverage be effective prior to this date. Payment of a premium contribution with your application does not mean that there is any insurance in force before the effective date as determined by New York Life.

Endorsed by: California State Employees Association

CSEA incurs certain administrative expenses in connection with this sponsored program. To provide and maintain this valuable membership benefit it is reimbursed for such expenses.

California State Employees Association
Administered by A.G.I.A., Inc.
PO Box 9997
Phoenix, AZ 85068-0997

A.G.I.A, Inc. is licensed and authorized to transact business in all 50 United States and the District of Columbia. Their state of domicle is California. J. Christopher Burke California Insurance License #0F70947. J. Christopher Burke AR Insurance License #8876308.

This Final Expense Whole Life Insurance Plan is underwritten by:
New York Life Insurance Company
51 Madison Avenue
New York, NY 10010

Under Group Policy G-30383-0 on policy form GMR-FACE/G-30383-0.

New York Life is licensed/authorized to transact business in all of the 50 United States, District of Columbia, Puerto Rico and Canada. However, not all group plans it underwrites are available in all jurisdictions. Please check the plan details for current availability.

New York Life Insurance Company's state of domicile is New York and their NAIC ID# is 55915.

This is not a policy or Certificate of Insurance. It merely summarizes the benefits available and is for informational purposes only. The complete terms and provisions of coverage and conditions under which it may be kept in force are contained in the Group Master Policy issued by New York Life Insurance to the California State Employees Association.


Union Form Download

Form Download
Final-Expense-Application-(Min.-7-months-of-employment).pdf Download
Final-Expense-Application.pdf Download

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The type of life insurance you need depends on your personal situation. If you want affordable coverage into your retirement that provides cash value and tax-advantage estate planning, seriously consider the CSEA Final Expense Plan.

This can be best if you need life insurance benefits for 15 years or longer with coverage that can increase as your family grows.

The CSEA Group TermPLUS Life Plan offers you quality term life coverage and works best if you need life insurance protection during your working years.