$100,000 Life Insurance Protection for your family
Calculate just how economical your cost can be with NSO group buying power. Because a $100,000 cash benefit could make all the difference for your loved ones. And better protecting them may never be easier.
- Choose $25,000 to $100,000 coverage
- No medical exam is usually required
- Available to nurses and their spouses
- Easy, online application
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$100,000 Life Insurance Protection
for the family
Overview
You and your spouse, if applying, can choose the level of coverage that fits your needs - $25,000, $50,000, $75,000, or $100,000. The amount you choose today will never decrease as long as the coverage remains in force.
Lasting protection - at competitive group rates.
Term life insurance is basic, no-frills protection. That, and your NSO group rates, help make this a cost-effective way to better protect your loved ones, at a reasonable rate. Click here for a complete rate chart.
Usually no medical exam.
In most cases, a medical exam is not required. To apply, simply answer the brief health questions in the quick and easy online application. Issuance of a Certificate of Insurance or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.
Benefits are paid in addition to other coverage.
This plan stays with you until your coverage ends - even if you change jobs. And it pays in addition to any other insurance you have.
Regardless of any changes in your health, only you can cancel this coverage.
Your coverage cannot be cancelled by anyone but you, as long as you pay your required premiums when due, insurance does not end for your class, you remain a participant of the policyholder and the group policy remains in force. And your coverage can continue until you reach age 70.
No individual rate increases.
You can never be singled out for a rate increase, regardless of any changes in your health. Premiums can change only as you move into a new five-year age bracket or if they are changed for the entire group with 60 days notice.
"Living Benefit" for you...to use any way you choose.
This plan comes with an interesting benefit that enables you and your spouse, if applying, to request to collect 50% of the coverage amount up to a maximum of $50,000 in one lump sum if you are diagnosed with a terminal illness from which you are not expected to recover with six months or less to live. The remainder of your coverage would be paid to your beneficiary upon your death. Living benefits are subject to exclusions, and receipt of living benefits may be taxable (consult your tax advisor for details).
$100,000 Life Insurance Protection
for the family
Eligibility
This economical group term life insurance is for nurses and their lawful spouses ages 20 to 64 (subject to state availability). Your spouse may apply for this insurance coverage, even if you do not. The same provisions of the policy that apply to you also apply to an insured spouse.
$100,000 Life Insurance Protection
for the family
Economical Quarterly Rates
Remember your spouse is eligible for these group rates, too.
| $100,000 | $75,000 | $50,000 | $25,000 | |||||
|---|---|---|---|---|---|---|---|---|
| Age | Female | Male | Female | Male | Female | Male | Female | Male |
| Under 30 | $30.00 | $45.00 | $22.50 | $33.75 | $15.00 | $22.50 | $7.50 | $11.25 |
| 30-34 | 40.00 | 50.00 | 30.00 | 37.50 | 20.00 | 25.00 | 10.00 | 12.50 |
| 35-39 | 55.00 | 70.00 | 41.25 | 52.50 | 27.50 | 35.00 | 13.75 | 17.50 |
| 40-44 | 85.00 | 115.00 | 63.75 | 86.25 | 42.50 | 57.50 | 21.25 | 28.75 |
| 45-49 | 125.00 | 200.00 | 93.75 | 150.00 | 62.50 | 100.00 | 31.25 | 50.00 |
| 50-54 | 185.00 | 325.00 | 138.75 | 243.75 | 92.50 | 162.50 | 46.25 | 81.25 |
| 55-59 | 280.00 | 495.00 | 210.00 | 371.25 | 140.00 | 247.50 | 70.00 | 123.75 |
| 60-64 | 430.00 | 790.00 | 322.50 | 592.50 | 215.00 | 395.00 | 107.50 | 197.50 |
| 65-69* | 695.00 | 1,130.00 | 521.25 | 847.50 | 347.50 | 565.00 | 173.75 | 282.50 |
* Renewal Only
These economical quarterly premium rates are based on your actual age as of the effective date of your insurance. Premiums increase as you move from one age bracket to the next.
For your convenience, premiums are billed on a quarterly, semi-annual or annual basis. Coverage terminates upon attainment of age 70.
$100,000 Life Insurance Protection
for the family
What if I apply, then change my mind?
You'll have 30 days after you receive your Certificate of Insurance to make sure you're completely satisfied. If you change your mind, you can return your certificate within 30 days and get a full refund of any premium paid.
$100,000 Life Insurance Protection
for the family
Have Questions?
Start by clicking the tabs above for information.
If you still have questions, you may also call the plan administrator at 1-800-541-7644.
This is the only group term life insurance plan of its kind endorsed by Nursing2012, a leading nursing publication. Nursing2012 endorses Nurses Service Organization's products and services under a long-term financial agreement.
This plan is underwritten by American General Assurance Company, NAIC No. 68373, domiciled in the state of Illinois with a principal place of business of 1375 E. Woodfield Rd., Ste. 300, Schaumburg, IL 60173. It is currently authorized to transact business in all states plus DC, except NY and PR. In New York, this plan is underwritten by The United States Life Insurance Company in the City of New York, NAIC No. 70106, domiciled in the state of New York with a principal place of business of One World Financial Center, 200 Liberty Street, New York, NY 10281. It is currently authorized to transact business in all states plus DC, except PR. The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Assurance Company (AGAC) and The United States Life Insurance Company in the City of New York are each company's responsibility.
This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. G-500,639, Form No. AG-20040. In NY, Group Policy No. G-146,490, Form No. G-19000. Coverage may vary or may not be available in all states.
$100,000 Life Insurance Protection
for the family
How does online application work?
Online application is a quick and easy process.
- You'll first be asked what state you live in, so we can match your coverage to your state.
- You'll next be asked to confirm that you're OK submitting your information and signature electronically.
- You'll then complete and submit your application form, and receive a copy to print out and keep for your records, along with your confirmation.
