2019-2020 Premium Credits

Term Life

Effective July 1, 2019, ACOG members continue to receive a 10% premium credit on their term life policy. The rate displayed below reflects that credit. Note: Premium credits are not guaranteed and are subject to change each year on July 1st.

Level Term Life

Effective July 1, 2019, ACOG members receive a 5% premium credit on their level term life policy. The rate displayed below reflects that credit. In addition, first-time buyers will receive a 30% discount on their premium the first year and a 20% discount on their premium the second year. Note: Premium credits are not guaranteed and are subject to change each year on July 1st.

Life Insurance Rate Quote

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Your Rates

Group 10-Year Level Term Life
  Annual Rate Rate over 10-year period
Group Term Life
Group 10-Year Level Term Life Preferred
Group 10-Year Level Term Life Select
Group 10-Year Level Term Life Standard
Group 20-Year Level Term Life
Annual Rate Rate over 20-year period
Group Term Life
Group 20-Year Level Term Life Preferred
Group 20-Year Level Term Life Select
Group 20-Year Level Term Life Standard

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The premium contributions for all life plans quoted reflect the current rates and benefit structure as of July 1, 2019. Premium may be paid annually, semi-annually, or quarterly. The premium is based upon the member's and spouse's gender, amount of insurance requested, usage of tobacco/nicotine products, health status and attained age on the date the coverage is issued.

The premium at which you enter the plan is projected to remain the same for the initial 10-year or 20-year term and will not change due to your age or a change in your health status. While premiums are projected to remain level for the initial period, the insurance company reserves the right to change rates for all insureds only once in a 12-month period. For the Level Term Life plans, only non-smokers meeting the highest underwriting standards will qualify for "Preferred" rates. Other non-smokers may qualify for higher "Select" or "Standard" rates. (Note: Smokers may only qualify for "Standard" rates.) Upon approval of your application, you will be notified of the rate classification for each approved person.

The ACOG Group Life Plans are underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010, under Group Policy No. G-30461-0 on Policy Form GMR-FACE/G-30461-0 (10-year Level Term Life) and under Group Policy No. G-30462-0 on Policy Form GMR-FACE/G-30462-0 (20-year Level Term Life).