SAG-AFTRA Products:

Dental / Vision

Group Term Life


Contact Info

OFFICE HOURS:

Mon - Fri   9-5 CST

PHONE:

800-450-1271

773-427-6875 fax

EMAIL:

CustomerService

POSTAL ADDRESS:

1701 E. Lake Avenue

Suite 400

Glenview, IL 60025


GBA Home

  • Overview
  • Eligibility
  • Coverage
  • Cost
  • Enroll Now
  • Frequently Asked Questions

SAG-AFTRA is proud to offer Voluntary Group Term Life Insurance coverage for you and your family.

You may purchase up to $100,000 of coverage for yourself with ONE medical question asked and NO physical exam. You may also purchase up to $25,000 of coverage for your spouse and up to $5,000 of coverage for your dependent children.

* Low Group Rates for Term Life
* Family Coverage Available
* One Medical Question
* No Physical Exam
* Reliable Claims Payment
* Top-rated Customer Service


Coverage is provided by Guardian Life Insurance Company. Guardian is a leading provider in group and individual insurance coverage. Founded in 1860, The Guardian Life Insurance Company of America is one of the largest mutual insurance companies in the United States. Today, more than six million employees and their families rely on Guardian as their benefits partner.

These programs have been arranged through your Union as part of its continuing efforts to provide members access to additional benefits and will be administered by Group Benefit Associates and Guardian.

Eligibility

  • SAG-AFTRA union members in good standing OR on Honorable Withdrawal AND who have SAG-AFTRA Health Coverage.
  • Members age 70 and older must be individually underwritten and are subject to insurance carrier approval.
  • Spouses over age 70 are not eligible for coverage.
  • SAG-AFTRA union members on Financial Core status are not eligible.

Eligible Dependents include:

  • Your legal spouse who is under age 70.
  • Unmarried dependent children who are 14 or more days old, until they reach age 23 and your unmarried dependent children, from age 23 until they reach age 25, who are enrolled as full-time students at accredited schools.

 

Coverage Options

Policy Amounts

Member Benefit

$25,000
$50,000
$75,000
$100,000

Spouse Benefit*

50% of member coverage to a maximum of $25,000

Child Benefit**

$5,000

* Spouse coverage is based on your legal spouse being under the age of 70. Spouses over age 70 are not eligible for coverage. The spouse monthly premium is based on the SAG-AFTRA member's age. Premiums increase in five-year increments.

** Unmarried dependent children who are 14 or more days old until they reach age 23, and your unmarried dependent children from age 23 until they reach age 25, who are enrolled as full-time students at accredited schools. Coverage may be purchased on each and all children for one flat monthly premium. Each child is insured for $5,000 of benefit. Subject to state limits.

 

Conversion

Yes, with restrictions.

Accelerated Life Benefits

Yes. This plan includes an Accelerated Life Benefit Option. When a doctor certifies that you are terminally ill and not expected to live more than 6 months, you may request up to 50% of your life insurance amount to $100,000.

Benefit Reductions

35% at age 65, 60% at age 70, 75% at age 75, 85% at age 80

Monthly Premiums

Member Age:

18-29

30-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

  $25,000 Policy Election Amount

Member

25,000

10.00

10.25

10.75

12.75

16.00

20.25

29.00

41.25

61.00

Spouse

12,500

5.00

5.13

5.38

6.38

8.00

10.13

14.50

20.63

30.50

Child(ren)

5,000

1.05

1.05

1.05

1.05

1.05

1.05

1.05

1.05

1.05

  $50,000 Policy Election Amount

Member

50,000

12.00

12.50

13.50

17.50

24.00

32.50

50.00

74.50

114.00

Spouse

25,000

6.00

6.25

6.75

8.75

12.00

16.25

25.00

37.25

57.00

Child(ren)

5,000

1.05

1.05

1.05

1.05

1.05

1.05

1.05

1.05

1.05

  $75,000 Policy Election Amount

Member

75,000

14.00

14.75

16.25

22.25

32.00

44.75

71.00

107.75

167.00

Spouse

25,000

6.00

6.25

6.75

8.75

12.00

16.25

25.00

37.25

57.00

Child(ren)

5,000

1.05

1.05

1.05

1.05

1.05

1.05

1.05

1.05

1.05

  $100,000 Policy Election Amount

Member

100,000

16.00

17.00

19.00

27.00

40.00

57.00

92.00

141.00

220.00

Spouse

25,000

6.00

6.25

6.75

8.75

12.00

16.25

25.00

37.25

57.00

Child(ren)

5,000

1.05

1.05

1.05

1.05

1.05

1.05

1.05

1.05

1.05

 

Cancellation requests must be received in writing by mail, fax, or e-mail. Cancellations are not accepted via telephone.

Premiums increase on the month of your birthday as you enter the next 5 year age group.

Rates are subject to increase from year to year.

Ready to enroll?

Frequently Asked Questions

What is Voluntary Group Term Life Insurance?

Voluntary Group Term Life Insurance is an insurance program where members have the opportunity to choose a level of protection that best suits their needs and those of their family members for just a few cents a day.

What amounts are my dependents eligible for?

You can purchase life insurance for your spouse for 50% of the amount you selected for yourself to a maximum of $25,000. You may also select $5,000 coverage amount for each of your children.

What are the age limits to cover my dependent children?

Your unmarried dependent children are covered if over 14 days old until they reach age 23, and your unmarried dependent children from age 23 until they reach age 25, who are enrolled as full-time students at accredited schools.

Who can my dependent and I elect as our beneficiaries?

You may elect anyone you wish as your beneficiary(ies) except for your employer. You will be the beneficiary for all of your dependents.

How are my rates determined?

The member and spouse rates are based on the age of the member. The rates are grouped in five-year bands and will change as you move from one band to the next. The premiums are redetermined on the month of your birthday as you enter the next 5 year age band.

If my future needs change, can I increase my insurance?

Yes, but any increase is subject to evidence of insurability and insurance carrier approval.

If I leave SAG-AFTRA, can I continue my coverage?

No. You must be a member of the union in order to participate in this program.

Who is eligible to purchase this coverage?

SAG-AFTRA union members in good standing AND who have SAG-AFTRA Health coverage.

If I am no longer eligible for SAG-AFTRA Health coverage, can I remain on this plan?

No. Once a member loses their eligibility for coverage, that member can no longer participate in the plan. Please contact our office if your status changes.

How can I cancel my coverage?

You can cancel your GBA coverage by sending us a written request via email, fax or mail. Cancellations are not accepted via telephone.

What if I become terminally ill?

This plan includes an Accelerated Life Benefit Option. When a doctor certifies that you are terminally ill and not expected to live more than 6 months, you may request up to 50% of your life insurance amount to $100,000.