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Term Life and Level Term Life Coverage

We provide NYSUT members with flexible coverage choices, so you can choose the coverage that best protects the long-term needs of your family.
Take a moment to apply now

One easy step today can secure your loved ones’ finances for tomorrow. Take a moment to apply now with new online enrollment.

Term Life Insurance provides coverage for a specific period of time. The NYSUT Member Benefits Trust-endorsed Term Life Insurance plan provides benefits up to $1 million, if under age 65*.

  • Coverage for you, your lawful spouse or certified domestic partner and even your children
  • Accelerated benefits if you or your insured lawful spouse or certified domestic partner should be diagnosed as terminally ill
  • 15 percent discount for members who are eligible for, and choose to pay through, payroll deduction or pension deduction

To get a personalized rate quote, access our interactive rate calculator.

*Coverage may vary and may not be available in all states.

Level Term Life Insurance provides life insurance coverage you can depend on for up to 20 years with premiums that are not scheduled to increase while also ensuring benefit options will not decrease. The plan provides benefits up to $1 million, if under age 65.

  • Choose the length of term that’s right for you with 10-, 15- and 20-year options available*
  • Coverage for you or your lawful spouse or certified domestic partner
  • Accelerated benefits if you or your insured lawful spouse or certified domestic partner should be diagnosed as terminally ill
  • 15% discount for members who are eligible for, and choose to pay through, payroll deduction
  • Level Term Life Insurance offers premiums that will not increase for the length of term you select. Your premium will remain level and your benefit amount will not decrease during the initial term due to your age or health status. (The insurance company does reserve the right to change premium rates, but may only do so for all insureds covered under the group policy.)

To get a personalized rate quote, access our interactive rate calculator.

*You and your spouse (or certified domestic partner) are eligible for the 20-year plan if under age 55, the 15-year plan if under age 60 and the 10-year plan if under age 65.

Get started today

NYSUT members can now apply online for Life and Disability insurance making it easier to protect your income and your loved ones. When you visit the enrollment site, click the ‘INSURANCE PLANS' tab and choose the benefit you want to apply for. Apply November 1 - 30, 2018

Like most group insurance policies, MetLife’s group insurance policies contain certain exclusions, limitations and terms for keeping them in force. Please contact MetLife for more information.

Not available in all states.