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2015 Premium Credits

Term Life

ACOG members have enjoyed an 8% premium credit since 2013. Effective July 1, 2014, members will receive an additional 7% rate decrease. The rate displayed below includes your 8% premium credit, but not this most recent decrease.

To calculate your annual premium, please subtract 7% from the quote shown below.

Level Term Life

Effective July 1, 2014, ACOG members will receive a 10% rate decrease for their Level Term Life policy. The rate displayed below does not reflect this 10% premium credit.

To calculate your annual premium, please subtract 10% from the quote shown below.

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, 2011. 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 The United States Life Insurance Company in the city of New York, Policy Numbers G-510,033 (10-Year Level Term Life), G-510,034 (20-Year Level Term Life).