SEIU Guaranteed Issue Life Insurance
Members under 65 and actively at work are guaranteed acceptance to this life insurance plan. Help protect your family from unexpected funeral, medical and legal bills.
SEIU Group Term Life Insurance
Enroll now for affordable group rates
Need a printed application?
Please call us at 1-844-836-7348 or email us at
ask-us@seiumb.com and we will mail you one as soon as possible.
In partnership with
OVERVIEW
SEIU Group Term Life Insurance (GTL), issued by The Prudential Insurance Company of America, is an affordable way to help replace income, pay medical bills and final expenses, or leave a legacy after your passing
This group term life insurance coverage provides SEIU members with affordable, flexible protection that supports families during life’s most difficult moments. Understanding the key benefits of term life insurance can help members make confident, informed choices.
Affordable group rates- Flexible coverage from $25,000 to $300,000
- No premiums if on strike for up to 90 days
- 75% of your benefit can be paid while you’re alive1
- Optional coverage for family members
Is SEIU Group Term Life Insurance Right For You?
Service workers often face unique challenges that make life insurance particularly important:
- Healthcare workers may be exposed to infectious diseases or other workplace hazards, increasing the need for comprehensive coverage.
- Public service workers often face higher occupational risks, making life insurance a crucial part of their financial safety net.
- Property service workers in maintenance or janitorial roles may have jobs that could result in injury, emphasizing the need for coverage that supports their loved ones.
- Child care workers often work in lower-income roles where affordable life insurance can provide critical peace of mind for their own loved ones.
BENEFIT DETAILS
SEIU Group Term Life is often more affordable than individual life insurance and provides important coverage that can help protect your family from hardship
Affordable group rates for the whole family
Members, spouses, domestic partners and dependent children are all eligible for exclusive rates.2
Flexible coverage levels
Members are eligible for a range of coverage, from $25,000 to $300,000. There’s no long-term commitment. You decide how long you want coverage—and you can always increase or decrease it.3
Full benefits until 65
Once you’re approved, your coverage remains in place—even if your health changes. You can’t be dropped for health reasons. Premiums increase every five years, based on age.
Up to 75% paid with terminal illness
A majority of your benefit can be paid while you’re alive. If you become terminally ill, accelerated benefits can help your family with related expenses.1
Strike-waived premiums
You pay no premiums if you are out on strike, for up to 90 days. The SEIU Group Term Life Insurance Plan will waive your Life Insurance premium after the 31st day you are on strike until the date the strike ends or the date 90 days from the start of the strike, whichever occurs first.
These features represent some of the strongest benefits of term life insurance, providing predictable coverage that adjusts to members’ needs without hidden fees or complex terms.
HOW TO GET THIS
How to apply for SEIU Group Term Life Insurance
Choose your coverage amount
Decide on the right amount of coverage for you and your family. Use these rate charts to determine how much a policy may cost based on your age and the coverage amount.
$25,000 Rate Chart
$50,000 Rate Chart
$100,000 Rate Chart
$150,000 Rate Chart
$200,000 Rate Chart
$250,000 Rate Chart
$300,000 Rate Chart
Submit an application
- Make sure you’re signed in to your SEIU Member Benefits account.
Apply for insurance online, or by mailing/faxing an application. - Select the “Apply Now” button above to launch the online application through Prudential’s secure portal. Depending on coverage amount, you may need to answer health questions for underwriting.
OR
If you would like a printed application, please call us at 1-844-836-7348 or email us at ask-us@seiumb.com and we will mail you one as soon as possible. - Once approved, you will receive your coverage verification kit and premium notice.
INSTANT RATE QUOTE
Calculate your SEIU Group Term Life Insurance rate
FAQs
Have questions? See answers to frequently asked questions below or contact us at 1-844-836-7348.
SEIU Group Term Life Insurance (GTL), issued by The Prudential Insurance Company of America (Prudential), offers optional group term life insurance to all members in good standing. GTL features include flexible coverage levels from $25,000 to $200,000 (in $25,000 increments) in addition to benefit amounts of $250,000 and $300,000, with no set term limits.
For example, if a member purchases SEIU Group Term Life Insurance at age 32, they may keep it for as long as they want, provided they continue to pay their premiums and maintain membership. Premiums are based on your age at the time you initially enroll. The premiums will increase each time you enter into a different 5-year age bracket (which occur when you turn 35, 40, 45, 50, etc.).
Your full benefit is guaranteed not to decrease before you turn 65. Then, at age 65, when your need for life insurance has decreased, the benefit amount reduces to 75% of the initial amount, and at age 70 to 50% of the initial amount. Coverage terminates at age 75.
For example, if a member purchases SEIU Group Term Life Insurance at age 32, they may keep it for as long as they want, provided they continue to pay their premiums and maintain membership. Premiums are based on your age at the time you initially enroll. The premiums will increase each time you enter into a different 5-year age bracket (which occur when you turn 35, 40, 45, 50, etc.).
Your full benefit is guaranteed not to decrease before you turn 65. Then, at age 65, when your need for life insurance has decreased, the benefit amount reduces to 75% of the initial amount, and at age 70 to 50% of the initial amount. Coverage terminates at age 75.
The Prudential Insurance Company of America is the carrier. Our over 50-year relationship with the company is based on a rigorous process of evaluating the marketplace to find the best products and services for SEIU members. You can count on Prudential’s experience to offer the quality and service you deserve.
It’s easy to apply for coverage. In most cases, to qualify you need to answer a few simple health questions about your medical history. Although medical exams are not typically required, it may be necessary depending on your medical history. You also must be an SEIU member to apply for and maintain coverage. Once you are covered, you don’t have to be concerned about losing your coverage as you get older or if your health changes.
SEIU members are eligible for a range of coverage—anywhere from $25,000 up to a maximum of $300,000.
Yes, coverage can be increased anytime; however, it will be subject to underwriting approval and cannot exceed $300,000. (Amounts vary depending on the age of the member.)
SEIU Group Term Life coverage is portable. As long as you remain an SEIU member and continue to pay your premiums when they are due, your coverage will remain in effect even if you change jobs or retire. Coverage terminates at age 75.
Thanks to the buying power of SEIU and our two million members, affordable rates have been negotiated for members and their spouses/domestic partners. Premiums are competitive across rate categories.
The rates for smokers are higher. For example, on a face amount of $200,000, a member 25 to 29 years old would receive a rate of $30.00 monthly versus $18.00 for a non-smoker in the same age bracket.
Yes, as long as the SEIU member has Group Term Life, coverage is available to the spouse (or domestic partner where permissible by law) of a member for up to 50% of the member’s coverage amount and to their children at flat coverage amounts of $5,000 or $10,000.
Yes, with the Accelerated Death Benefit Option, if you become terminally ill, you may elect to receive 75% of your life insurance coverage while you are still living. The money can be used for any purpose such as medical bills, outstanding debts or mortgage payments. This option will reduce your death benefit by 75%. To be eligible for this option, you must be diagnosed with a fatal illness and given 6 months or less to live.
The Accelerated Death Benefit option is a feature that is made available to group life insurance participants. It is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for those types of insurance coverage. The death benefit is reduced by the amount of the accelerated death benefit paid. There is no administrative fee to accelerate benefits. Receipt of accelerated death benefits may affect eligibility for public assistance and may be taxable. The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefits and is considered terminally ill. You may wish to seek professional tax advice before exercising this option.
The Accelerated Death Benefit option is a feature that is made available to group life insurance participants. It is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for those types of insurance coverage. The death benefit is reduced by the amount of the accelerated death benefit paid. There is no administrative fee to accelerate benefits. Receipt of accelerated death benefits may affect eligibility for public assistance and may be taxable. The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefits and is considered terminally ill. You may wish to seek professional tax advice before exercising this option.
Additional Information
This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states. Coverage may not be available in all states.
SEIU has retained Members United Insurance Agency to manage Insurance Programs for its Members. Members United Insurance Agency is not affiliated with the Prudential Insurance Company of America.
1. Accelerated Death Benefit option is a feature that is made available to group life insurance participants. It is not a health, nursing home or long-term care insurance benefit and is not designed to eliminate the need for those types of insurance coverage. The death benefit is reduced by the amount of the accelerated death benefit paid. There is no administrative fee to accelerate benefits. Receipt of accelerated death benefits may affect eligibility for public assistance and may be taxable. The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefits and is considered terminally ill. You may wish to seek professional tax advice before exercising this option.
2. Includes domestic partner or registered domestic partner. Spouse cannot enroll for coverage unless member also enrolls.
3. Subject to underwriting approval. Coverage cannot exceed $300,000.
Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details including any policy exclusions, limitations and restrictions which may apply. Contract Series: 83500 and 31300. CA COA# 1179. NAIC# 68241.
1069807-00012-00