These days, you can get life protection from almost anywhere - Internet quote services, insurance agents, employers, even from companies advertised on TV. With all these options, trying to select the best coverage is often difficult. But when it comes down to it, it’s not likely those plans fit your unique situation as an AFSA member.

AFSA realizes plans available to the general public don't typically meet the special needs of its members. So, we went to the company that backs our stellar FlightCare program, The Hartford. Hartford Life Insurance Company was eager to help us create a term life plan exclusive to AFSA members.

The result? The AFSA Term Life Plan, top-notch life protection available only to AFSA members and families.

PLAN HIGHLIGHTS

• AFSA members and spouses under age 65 qualify for up to $100,000.00 in protection
• Over age 65 qualify for up to $50,000.00 protection available to age 85
• Dependent children ages 6 months to 19 years (23 if a full-time student) qualify for up to $2,500.00 in coverage
• Pay economical group rates thanks to the buying power of more than 130,000 AFSA members
• No physical exam usually required
• Collect up to 50% for Terminal illness
• Waiver of premium for Total disability

Up to $100,000.00 of Protection to Age 65
If you're under age 65, you can apply for up to $100,000.00 of coverage. This decreases to $50,000.00 at age 65.

Up to $50,000.00 of Protection to Age 85
If you become insured before age 65, you can keep up to $50,000.00 of insurance to age 85. That's long-lasting protection you can use to supplement an existing policy or use as your primary source of protection.

Spouse Protection
Your spouse under age 65 can also apply for up to $100,000.00. Today, even a non-working spouse usually needs adequate life insurance protection, often $50,000, $75,000.00, or even more. Your spouse can not be legally separated or divorced from the member.

Children's Protection
For just $6 a year, you can insure all your dependent children ages 6 months to 19 years (23 if a full-time student).

Economical Group Rates
You have the buying power of over 130,000 AFSA members to help keep the premiums economical.

You'll be billed four times a year. All billing modes except annual will include a $2.00 billing fee. Rates are based on member's attained age each January 1st. Your rates will not change unless they are changed for all insureds in your classification. Rates and benefits depicted are subject to change, but will not be changed more frequently than once in a 12-month period.

*Rates for renewal only.

No Physical Exam Usually Required
No medical exam is usually needed - even if you apply for $100,000.00. Answer the questions regarding your health on the application form. Your coverage will, in part, be contingent on these answers. And if you're Active Duty and apply for coverage within 60 days of becoming an AFSA Member, or if you're under age 40 and a member of the Air Force Active Reserve or Air National Guard, you're eligible for $20,000.00 of term life protection without providing a Statement of Health to the insurance company.

Guaranteed Acceptance Feature
AFSA members with health problems WILL be issued insurance coverage. If, for reasons of health, you or your spouse are not eligible for the coverage you apply for, you will automatically be offered $20,000.00 of Guarantee Issue Coverage on this modified basis: Your first-year coverage will be 20% of this policy amount, and you'll get an additional 20% each year until, beginning with the fifth year, you'll have the full face amount, up to a maximum of $20,000.00.

Worldwide Coverage
You're covered 365 days a year, wherever you are. The only exclusion is suicide within the first two years from the effective date of each person's coverage.

Guaranteed Convertible to Individual Life Insurance
You may convert your Term Life Insurance to a permanent individual life insurance policy, subject to the policy provisions, offered by the insurance company if coverage ends for any reason except nonpayment of premiums. Your Certificate of Insurance contains details on the conversion privilege.

Collect Up to 50% For Terminal Illness
If your doctor diagnoses you with a life expectancy of six months or less, you can collect up to 50% of your benefits before you die - to use however you wish. Receipt of accelerated benefits may be taxable. Seek assistance from your personal tax advisor for more information.

Waiver of Premium for Disability
Waiver ends when you are no longer totally disabled or no longer meet the eligibility requirements. If you become totally disabled while covered under the Term Life Plan, your premiums will be waived during your disability - as long as your disability begins before age 60 and you have been totally disabled for at least six consecutive months.

Please note: Other benefit amounts are available. For more information, please call the Plan Administrator TOLL FREE 1-800-882-5541. (Our hearing-impaired or voice-impaired members may call the Relay Line at 1-800-855-2881.)

Effective Date
Your AFSA Term Life Plan will become effective on the first day of the month after your application has been approved and your first premium is received.

Your spouse will automatically be the beneficiary for the Term Life Plan. If your spouse is no longer living, your benefits will be paid to your children, parents, brothers and sisters, or estate (in that order). You will automatically be set up to collect benefits for your spouse's protection. If you'd like to designate a different beneficiary, contact the Plan Administrator.

Termination information
Your Term Life Plan will continue as long as you maintain your AFSA membership, pay your premiums when due, your term of coverage has not expired and the Master Policy stays in force. Your dependent’s coverage will remain in effect as long as your coverage is active, premiums are paid, and they meet the eligibility requirements.

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, 200 Hopmeadow St., Simsbury, CT 06089.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy 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 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.

To download an Application for AFSA’s Term Life Plan, visit the Form’s section and download a no-obligation application and brochure containing detailed plan information and plan provisions.

Mail your completed Application.

AFSA Insurance Plans
PO Box 14464
Des Moines, IA 50306

DO NOT SEND MONEY
You’ll receive a Certificate of Insurance once you’re approved. Take 30 days to examine it. If you like what you see, then send in your premium payment. If not, then do nothing. (That will end it. You’re under not obligation.)
http://www.afsainsurance.com/PersonalInsurance/LifeInsurance/TermLifeInsurancePlan.aspx