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Retiree Group Level Term Life

Help Secure Your Loved One's Tomorrow

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Retiree Group Level Term Life

The CSEA Retiree Group Level Term Life Insurance pays your beneficiary a lump sum cash benefit in the event of your death after the first two certificate years.

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Your death may cause your family financial hardship in a time of great emotional loss. While this is hardly a pleasant thought, it could become a real situation. Life insurance is one way to help plan for the unexpected and help protect your family.

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
  • Calpers-deducted premiums for CSEA members
  • Up to $20,000 of coverage 
  • Benefits will never decrease  
  • Spouse coverage available for $5,000 in coverage*
  • Full medical writing waved - Guaranteed Issue
  • Pay the same premium for the life of your coverage regardless of your age or health 
  • Premiums are due until age 100 then you have paid up coverage 


You may select any person, persons, trust or other legal entity as your beneficiary. If, at the time of your death, there are no surviving beneficiaries, benefits will be paid to the executor or administrator of your estate, or at the option of New York Life, to the surviving relatives in the following order of survival: spouse; children equally; parents equally; or brothers and sisters equally.


Death from natural causes during the first two years of coverage pays just a portion of the benefit amount. During this period, your beneficiary receives an amount equal to 110% of the premiums paid. Full benefits will be paid for accidental death from the first day of coverage. 

*Spouse is eligible for dependent insurance if they are NOT a CSEA member. If spouse is a CSEA member, please submit a separate application.

Underwritten by New York Life Insurance Company.



All CSEA Retirees, between ages 40 to 80 applying for coverage are guaranteed acceptance! 

This voluntary coverage can be applied for in amounts of $10,000 or $20,000. A spouse, who is not a CSEA member, can be covered as a dependent for $5,000 in coverage. If your spouse is also a CSEA member, they must apply separately.


You are guaranteed acceptance to continue with coverage without having to answer a single health question.  


Once proof of a member's death has been received, New York Life will pay a benefit for a covered member's death after first two certificate years. A designated beneficiary will receive a single payment equal the amount of coverage the member had at the time of their death if the death is an accidental death.


Death from natural causes during the first two years of coverage pays just a portion of the benefit amount. During this period, your beneficiary receives an amount equal to 110% of the premiums paid. Full benefits will be paid for accidental death from first day of coverage. 


Once you are approved for the CSEA Retiree Group Level Term Life between the ages of 40 and age 80, your coverage will continue to renew until you reach age 100. It cannot be canceled because of your age or any changes in your health.



Check out these calper-deducted premiums. 

As a retired CSEA member, you qualify for member exclusive rates for Retiree Group Level Term Life Insurance. The younger you are when this protection begins, the lower your rate will be for as long as you remain insured. 

You cannot be singled out for an individual rate increase. Your rates may change if they are changed for all others in the same class. 

Retiree Benefit Amount Rate Chart*: View Rate Chart

Spouse Benefit Amount Rate Chart**: View Rate Chart

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

**Spouse rates are determined on member's issued age. Rates shown are for illustrative purposes and may vary due to rounding.


Your premiums are due until you reach age 100. After that the policy is a paid up policy and your coverage is enforced. 

This Level Term Life coverage ends automatically on the earliest of the following: 1) The date the policy is terminated; 2) The premium due date after the Member is no longer a member of the Policyholder (CSEA); 3) the date the grace period ends if all premiums due have not been paid.

Spouse coverage will automatically end on the earliest of the following: 1) the date the member coverage terminates; 2) the premium due date after the spouse ceases to be an eligible dependent.


Effective Date of Coverage

Insurance will take effect on the date your application is approved by New York Life Insurance Company provided the initial contribution has been paid.

If you decide your Endorsed CSEA Retiree Level Group Term Insurance 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 have been no claims … no questions. No obligation.

When Coverage Ends

Your coverage will end when premiums are not paid when due, or you elect to end such coverage. Your spouse's coverage will end when your coverage ends when he/she ceases to be your lawful married spouse.

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.

Paid-up Insurance

CONTRIBUTIONS are due until the COVERED PERSON reaches AGE 100. After AGE 100, no more CONTRIBUTIONS are due for the initial amount of insurance. The initial amount of insurance is then considered paid up. It is payable to the beneficiary when we have proof that the COVERED PERSON died while this paid-up insurance was in effect. 

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 domicile is California. J. Christopher Burke California Insurance License #0F70947. J. Christopher Burke AR Insurance License #8876308.

This Retiree Level Group Term Life Insurance is underwritten by:
New York Life Insurance Company
51 Madison Avenue
New York, NY 10010

NEW YORK LIFE and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company.

Under Group Policy G-30382-1 on policy form GMR-FACE/G-30382-1.

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.

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Retiree Level Group Term Life Insurance is coverage for a particular term or period of time that pays a fixed amount of money if the insured dies during the term of the policy. The premiums are based on your age when coverage begins. Your rate may change only if the rates for the entire group are changed. However, the policies do not build up cash value like whole life insurance.

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

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