Youth Term Life Insurance
  • Overview
  • Tell Me More
  • FAQs
  • Contacts

At a Glance

This year, you can give your children and grandchildren the usual toys. But why not give them a gift that could last a lifetime - AFSA's Youth Term Life Plan.

With the AFSA Youth Term Life Plan, you can help guarantee a lifetime of protection for the special children in your life. The Plan makes a thoughtful gift for a holiday, birthday, graduation, or other special occasion in a child's life.

Plan Highlights

  • Provides protection that grows to $2,000, $5,000, or $10,000
  • Guaranteed conversion to a whole life or group term life policy once your children or grandchildren reach age 23
  • Modest one-time premium of $75, $150, or $300 per child

Protection for All the Children in Your Family

Your children and grandchildren age 15 days to 18 years qualify for AFSA Youth Term Life protection as long as the child's parent or guardian is an active member of AFSA and authorizes the Enrollment Form.

Economical Coverage

For each child, you pay just a one-time premium of only $75 for the $2,000.00 coverage, $150 for the $5,000.00 coverage, or $300 for the $10,000.00 coverage. It's your choice.

Protection That Grows as They Grow

Every birthday makes the coverage more valuable. Face value begins modestly at $1,000.00, $2,500.00, or $5,000.00 (whichever you choose) for children in the first year of life; after that, the face amount increases by $50, $125, or $250 every year. The AFSA Youth Term Life protection keeps growing until age 21 when your children are protected for $2,000.00, $5,000.00, or $10,000.00. The following table shows how the benefit grows each year.

Face Value
Attained Age $2,000.00 Coverage $5,000.00 Coverage $10,000.00 Coverage
15 days-1 year $1,000.00 $2,500.00 $5,000.00
2 $1,050.00 $2,625.00 $5,250.00
3 $1,100.00 $2,750.00 $5,500.00
4 $1,150.00 $2,875.00 $5,750.00
5 $1,200.00 $3,000.00 $6,000.00
6 $1,250.00 $3,125.00 $6,250.00
7 $1,300.00 $3,250.00 $6,500.00
8 $1,350.00 $3,375.00 $6,750.00
9 $1,400.00 $3,500.00 $7,000.00
10 $1,450.00 $3,625.00 $7,250.00
11 $1,500.00 $3,750.00 $7,500.00
12 $1,550.00 $3,875.00 $7,750.00
13 $1,600.00 $4,000.00 $8,000.00
14 $1,650.00 $4,125.00 $8,250.00
15 $1,700.00 $4,250.00 $8,500.00
16 $1,750.00 $4,375.00 $8,750.00
17 $1,800.00 $4,500.00 $9,000.00
18 $1,850.00 $4,625.00 $9,250.00
19 $1,900.00 $4,750.00 $9,500.00
20 $1,950.00 $4,875.00 $9,750.00
21-22 years $2,000.00 $5,000.00 $10,000.00
23+ Conversion Privilege

Guaranteed Lifetime Protection as Adults

Today, many young Americans who reach adulthood cannot get life insurance because of an illness or injury they had as children or because of conditions in their work environment. Others must pay higher premiums to get the life protection they need to protect their family.

Through the AFSA Youth Term Life Plan, you can help build a foundation for your children's and grandchildren's future. At age 23, your children will be given the guaranteed option to convert their AFSA Youth Term Life protection to $10,000.00 or $20,000.00 of a whole life or group term life policy with cash values. Additional premiums will be charged later on to continue coverage under the permanent life policy. Please refer to your Certificate of Insurance for more information.

When Your Gift Begins

Your children's or grandchildren's protection in the AFSA Youth Term Life Plan will begin on the first day of the month following acceptance of the Enrollment Form by Hartford Life Insurance Company and the payment of the required premium. Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at your convenience and at no expense to you. An individual's coverage terminates the first day of the month coinciding with or next following age 23.

In the case of material misrepresentation on the Enrollment Form or suicide during the first two years of coverage, no benefits will be paid, and all premiums will be refunded, minus any claims paid.

The benefits and rates for this group policy are guaranteed for 31 days. After that date, benefits may be changed for all persons covered by this Plan. You can never be singled out for a change in benefits and we will notify you in advance in writing of any change.

Plan Details
  Summary* 
Type of Insurance  Youth Life Insurance 
Designed for  AFSA members' children and grandchildren age 15 days to 18 years 
Underwritten by  Hartford Life Insurance Company

The Hartford is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life Insurance Company 
Policy form  SRP-1153 A (HL) (1551)-1 
Group Policy Number  AGL-1551 
Issue Ages  15 days to 18 years 
Coverage Amounts  $2,000, $5,000 or $10,000 
Conversion Privilege  Convertible at age 23 
Rate Schedule  Single premium pays the policy to age 23 

NOTICE OF INSURANCE INFORMATION PRACTICES

To properly underwrite and administer your application for insurance coverage, we must collect certain information concerning your insurability. You are our most important source of information, but we may also contact other sources such as medical professionals and institutions, employers and other insurance companies. While all information regarding your insurability will be treated as confidential, in some situations, and in compliance with applicable law, we may disclose necessary items of information to third parties without your specific authorization.

INVESTIGATIVE CONSUMER REPORTS

As part of our procedure for processing your application, an investigative consumer report may be prepared by an outside insurance reporting organization. Personal information may be collected from others regarding your general reputation and lifestyle. If an interview is conducted with someone other than you, we will inform you of your right to be interviewed in connection with the preparation of the investigative consumer report. You have the right to send a written request within a reasonable period of time to receive additional detailed information about the nature and scope of this investigation.

PERSONAL HISTORY INTERVIEW

To provide you, our client, with the best possible service, we may also conduct what we call a personal history interview. This is a phone call placed from our underwriting office. Its purpose is to make sure that the application information is complete. Our interviewers are trained to conduct their calls in a friendly, professional manner. The nature of the information discussed is always treated as personal and confidential and will only be used to assess your eligibility for insurance.

MEDICAL INFORMATION BUREAU (MIB) PRE-NOTICE

Information regarding your insurability will be treated as confidential. Hartford Life Insurance Company or Hartford Life and Accident Insurance Company or its reinsurer(s) may, however, make a brief report thereon to the MIB, Inc., formerly known as Medical Information Bureau, a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its members. If you apply to another MIB member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request, will supply such company, with the information about you in its file. Upon receipt of a request from you, MIB will arrange disclosure of any information in your file. Please contact MIB at (866) 692-6901 (TTY (866) 346-3642 ). If you question the accuracy of the information in MIB's file, you may contact MIB and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of MIB's information office is 50 Braintree Hill Park, Suite 400, Braintree, Massachusetts 02184-8734. Hartford Life Insurance Company, Hartford Life and Accident Insurance Company , or their reinsurers, may also release information from their files to other insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Information for consumers about MIB may be obtained on its website at www.mib.com.

ACCESS, CORRECTION AND DISCLOSURE

You can obtain access to personal information about you contained in our policy files by sending us a written request. You may also request any necessary corrections, amendments or deletion of any information in our files which you believe to be inaccurate or irrelevant. Hartford Life Insurance Company or Hartford Life and Accident Insurance Company or its reinsurer(s) may release information in their files to other life insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Also, please be advised that personal and confidential information collected by us may, in certain circumstances, be disclosed to third parties without authorization. A notice providing further description of the circumstances under which information about you may be disclosed and the types of persons and organizations to whom it may be disclosed will be sent to you upon your written request. If you desire further information or access to your personal information, please send your written request to: Hartford Life Insurance Company or Hartford Life and Accident Insurance Company, One Hartford Plaza, Hartford, CT 06155. The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life Insurance Company. PA-9369

This website explains the general purpose of the insurance described, but in no way changes or affects the as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Answers about the plan, including eligibility, options, enrollment, customer service and more.

Issuance of this policy is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you'd like. Please call toll-free 1-800-882-5541.
To print an application, click the "Application & Brochure" button corresponding with your state of residents.
You will have 30 days from the date of receipt to review the insurance certificate. If you are not satisfied with the terms of the certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full, minus any claims paid.

We're here to help! Please contact us in whatever manner is most convenient for you.

Administered by:

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398

Phone: 1-800-882-5541

(Mon-Fri 7:30 a.m. to 5:00 p.m. and Sat-Sun 8:00 a.m. to 5:00 p.m., Central)

Email: afsa.service@mercer.com

Underwritten by:

Hartford Life Insurance Company
One Hartford Plaza
Hartford, CT 06155

Website: http://www.mercer-web.com/products/thehartford.html

Our Role & Compensation

Details of Mercer disclosure of the compensation.

Read More