New coverage is only available to California residents.

What is Group Term Life Insurance?

It's a type of insurance that issues a specific amount of money to beneficiaries upon your death. The one offered by the Club is a 5 year, guaranteed renewable, group term. Term life insurance is the original form of life insurance and is considered to be pure insurance protection because it builds no cash value. Once approved, the plan cannot be cancelled or terminated for any reason other than by the policyholder or for nonpayment of premiums. The premiums change once every five years.

Why get life insurance?

Even if you're not supporting a family, there are many reasons to have life insurance. Life insurance can be used to pay off any outstanding mortgage balance. It can be used to replace the lost income so the survivor can maintain the same standard of living. Why burden your loved ones with funeral expenses, burial cost, and medical bills?

Why Get Life Insurance from the Club?

  • Annual Refund Check: Each year, after we pay all claims and expenses, we divide any leftover premium payment money and return it to our members!
  • Portability: Coverage is fully portable (to age 60) at the employee rate if you terminate your employment for any reason.
  • Spouse/Domestic Partner & Dependent Coverage Available: to nonemployee spouses and dependents for up to $500,000, and Dependents $25,000 under age 26 (in California).
  • Automatic Payroll/ Retiree Deductions so you don't have to worry about additional bills.
  • Accelerated Benefit Option: If you are diagnosed with a terminal illness due to an injury or sickness, you have the option to request up to 80% of your benefits to help alleviate the financial strain.

LA County and LAUSD employees are not currently eligible for enrollment.

How to Enroll

Everyone's insurance needs are different. Please contact us for a FREE consultation or to request a Life Insurance application.

Most Frequently Asked Questions

If I'm not a Club Member, can I just apply for Life insurance?

You must be a Club Member to enroll. You can also enroll for Club Membership and coverage at the same time.

Does the Club's coverage pay if I have other plans?

Yes, we will pay in addition to any other life insurance benefits you have.

Do I have to go to my doctor's office for an exam to apply?

Usually, you do not have to go to your own doctor however there are times when the medical underwriter will request additional information from your doctor and you will have to physically sign a release.

Is there a specific time or month to enroll?

Enrollment is accepted at any time.