Plan Overview
Providing for your family’s future can require sound financial planning and the ability to help prepare for the unexpected. If something should happen to you, you’d want your family to go on living their accustomed lifestyle, without being forced to abandon plans and dreams. NSPE Member Insurance Program's Term Life plan helps to provide financial security and essential protection and economy to you, your family and employees.
Features of this plan include:
- Coverage up to $500,000
- Non-Tobacco User Rates
- Accelerated Death Benefit Rider
- Accidental Death Benefit Option
- And much more!
With this Term Life insurance plan, you can have peace of mind that those you love will be provided for if you can't be there yourself. Sign up today!
Underwritten by Hartford Life and Accident Insurance Company, Simsbury CT 06089
Policy Form GBD-1000 A (1528)
Frequently Asked Questions
How do I calculate the rate on an NSPE Group Life Insurance Plan?
Premium contributions for both the member and spouse are based on the member's age and increase as the member grows older. Rates also increase when member is a tobacco user. Premiums may be periodically increased on plans to reflect plan utilization and help ensure their financial stability.
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Calculate how much insurance you need first.
Can my spouse obtain separate coverage?
No, but your spouse and dependent children are eligible for coverage is you are currently insured or request coverage too.
How long does the application process take? When will my coverage become effective?
For some plans, coverage becomes effective within a few days of receiving your application. For others, the process is longer because of required medical underwriting procedures. The "underwriting process" depends on many factors: the number of persons to be insured, their ages, the amount of coverage for which you apply, your medical history and that of your family members (if requesting dependent coverage), and the type of coverage requested.
Do I have to take a medical exam, blood test, or other health analysis?
Whether or not you must undergo medical testing depends on the plan you are requesting, your age, the amount of coverage for which you apply, and your individual medical history.
Can coverage continue if I am out of the country?
Call the Administrator for more details, as coverage varies depending on the plan.
Who is the carrier on the Group Term Life Insurance Plan?
The NSPE Group Term Life Insurance plan is underwritten by The Hartford Life and Accident Insurance Company, Simsbury CT 06089.
Who Administers the Program?
The NSPE Group Insurance Program is administered by Pearl Insurance Group, LLC. Pearl Insurance strives to provide NSPE members with the most relevant, competitively priced member benefit insurance packages for individuals and their families. Pearl Insurance has been providing associations like the NSPE with quality group coverage for over 55 years.