Group Level Term Life Insurance

Group Level Term Life Insurance  


This 10 and 20 year Group Level Term Life Insurance can provide you the opportunity to obtain important financial protection for your family at an affordable rate. This valuable benefit plan can go a long way in helping to protect your family from the costs they may be faced with in the event your (or your spouse’s) income is no longer available to them.

Key features include:

  • You may apply for up to $1,000,000 of coverage at competitive group premiums.
  • Rates are designed to remain level for the initial 10 or 20 years of the coverage*.
  • Your spouse is eligible for up to $1,000,000*.
  • Members and spouses under age 66 may apply.
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Group Level Term Life Insurance Coverage


Lock In Solid Benefits for a Full 10 or 20 Years



With benefits ranging from $200,000 to $1 million (in increments of $50,000), you can help build a strong financial safety net for your family with the Association sponsored Group 10-Year and 20-Year Level Term Life Insurance Plan. Plus, you can apply for spouse coverage up to an amount equal to yours.  Rates are designed to remain level during the first 10 or 20 years of the coverage*.

The County Medical Association/Society Sponsored Group Level Term Life Insurance program provides you with:

  1. Benefit choices up to $1,000,000
  2. Optional coverage for your spouse and dependent children
  3. Future Purchase Option – If you are approved for this option, you may receive a 10% increase of the initial face amount at each of the first five policy anniversaries beginning with the first anniversary and ending on the fifth anniversary as long as you accept each annual increase.

Choice of Benefit Amounts
You can apply for coverage from $200,000 up to $1,000,000 in $50,000 increments. You choose the coverage that’s right for you. As your needs change, you have the flexibility to apply for a change in your coverage. The maximum issue amount for spouses is $1,000,000 and for children is $10,000.

Who Can Apply
If you are an active Association/Society member or a spouse of a member, and are under age 66, you can apply for 10-year Group Level Term coverage. Members age 55 or under can apply for 20-year Group Level Term coverage. If you participate in this program, your spouse and your unmarried dependent children (at least 15 days old and under age 19 or under age 23, if a full-time student) can also be covered.

Underwriting Your Application
Acceptance into this plan is subject to medical evidence of insurability as approved by ReliaStar Life. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the insurance company will be conducted at your convenience and at no expense to you.

Conversion Privilege With No Medical Exam
You can convert to an individual whole life insurance policy without a physical examination or evidence of insurability. You must apply for and pay the first premium within 31 days after your group insurance stops. You may apply for any amount of coverage up to the amount of coverage that stopped, if you are no longer an Association/Society member, a spouse of a member, you attain age 75 or the Group Policy ends. (See your Certificate of Insurance for more details.)

Benefits are not payable for a suicide occurring within two years of the effective date of your initial or increased coverage.

Effective Date
Your coverage will become effective once AMBA has received your application, your coverage has been approved by ReliaStar Life, and the first premium payment is paid. If on that date you are not Actively-at-Work or your spouse is not able to carry on all the normal and customary activities of a person of like age and sex in good health, coverage will become effective on the first day of the next month following the date you complete 90 consecutive days of full-time active employment or after your spouse has been able to carry on all the normal and customary activities of a person of like age and sex in good health for 90 consecutive days.

Your coverage continues as long as you remain a member of the Association/Society, you pay your premiums, the Group Policy remains in effect, or you reach age 75. For members and spouses, your amount of insurance will decrease to 50% at age 70. Insurance terminates on the premium due date on or after your 75th birthday. Dependents’ coverage ceases when your coverage terminates, premiums are not paid, or they cease to be eligible dependents.

How To Apply and View Rates
Contact AMBA at 1-800-842-3761 for a brochure and application, or click on the "Apply Now" button to download an Enrollment Kit. This program is not available in all states.

For answers to any questions, please call us at 1-800-842-3761 or email us at [email protected].

Notice of Insurance Information Practices
Your application is our major source of information. However ReliaStar may also collect or verify information by contacting individuals or organizations that have information or records about you or others to be insured.

Serviced and administered by:
AMBA Administrators, Inc.
4050 NW 114th Street, Urbandale, Iowa 50322
[email protected] • CA Insurance License #0I96562 • 1-800-842-3761

Life insurance coverage is provided under the terms of a group life insurance policy, Group Policy #66997-1, issued and delivered in the state of Rhode Island to Association and Society Group Insurance Trust as the policyholder. The group life insurance policy is issued by ReliaStar Life Insurance Company, Minneapolis, Minnesota. The policy is administered on behalf of ReliaStar Life Insurance Company by AMBA Administrators, Inc., an insurance administrator licensed in the state of Rhode Island.

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of coverage. All coverage is subject to the terms of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern.


*The initial premium will not change for the first 10 or 20 years unless the insurance company exercises its right to change premium rates for all insureds covered under the group policy with 60 days advance notice.


This is a paid endorsement. The California Medical Association receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.

Policy Form #LPØ8GP



Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.


Association Member Benefits Advisors
4050 NW 114th Street
Urbandale, Iowa 50322
 M-F 8a-5p PST
[email protected]
  • Can my spouse/domestic partner obtain separate coverage?

    Yes, a spouse or domestic partner can obtain separate coverage.
  • How long does the application process take? When will my coverage become effective?

    The application process depends on many factors: the number of persons to be insured, their ages, the amount of coverage for which you apply, your medical history and that of your family members (if applying for dependent coverage), and the type of coverage applied for.
  • Do I have to take a medical exam, blood test, etc.?

    This depends on the plan you are requesting, your age, the amount of coverage for which you apply, and your individual medical history.
  • Can coverage continue if I am out of the country?

    Call the Administrator for more details as coverage varies depending on the plan.
  • Who are the current insurance carriers, and what are their ratings?

    This varies according to each plan. The Group Insurance Administrator seeks the best opportunities for our members, so the plans are underwritten by different insurance companies. All of the companies enjoy solid ratings by A.M. Best Company, which annually measures the financial strength of insurance companies.

    Association Member Benefits Advisors makes no representations or warranties, expressed or implied, concerning the financial condition or solvency of any insurers. A.M. Best’s Ratings are under continuous review and subject to change and/or affirmation. For the latest Best’s Ratings and Best’s Company Reports (which include Best’s Ratings), visit the A.M. Best website at See Guide to Best’s Ratings for explanation of use and charges. Best’s Ratings reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of AMBA or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Ratings. Best’s Ratings are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.
  • Who is AMBA Administrators, Inc., the Administrator of the Program?

    AMBA is the company contracted to manage the Group Insurance Program. AMBA is not affiliated with the insurance companies that underwrite each plan. 
  • Who recommends/approves benefit changes or premium changes?

    The insurance companies reserve the right to change rates. They usually report "plan experience" (or the number and size of claims made) twice a year and, if applicable, rate change recommendations. Using this information, the Group Insurance Administrator works with MSBA to evaluate the recommendations and decide what, if any, action (i.e. a rate change, a change in benefits, or even a change in insurance companies) is appropriate to maintain each plan's financial stability and competitive status. Actions are subject to MSBA Approval, and insured members are advised of MSBA's decision, prior to implementation.
  • What does the term Group mean?

    These are "group" plans, negotiated especially for MSBA Members and their spouses. This means that you cannot be singled out for a rate increase. Rates, although not guaranteed, can only be changed on a group basis.

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