If something in your life has recently changed—such as pay increases or promotions, marriages, purchasing a larger home or having children—you probably need to add to your coverage. As an AOPA member, you qualify for group term life coverage specifically designed for your active lifestyle—at an affordable group rate and with no general aviation exclusions. Currently, you and your spouse1 under age 66 can apply for $5,000 up to $1,000,000 in affordable life insurance through the AOPA Group Term Life Insurance Plan.
(AOPA Member Only Benefit)
Up to $1,000,000 in benefits – You and your spouse1 under age 66 qualify for $5,000 up to $1,000,000 in group term life insurance benefits. Your dependent children age 15 days to 19 years (or up to 25 for full-time students) qualify for $5,000 or $10,000 of coverage.
Coverage continues in force until the group policy anniversary date after you reach age 70, when benefits reduce 50%. After your 75th birthday, benefits reduce another 75%. Benefits end on the premium renewal date on or after your 80th birthday.
Pays “living benefits” – If you are diagnosed as terminally ill with less than 12 months to live, you can request one advance payment equal to 80% of your in force life insurance, or $500,000, whichever is less, to be paid while you are alive through the plan’s Accelerated Life Benefit. You can use this money any way you wish—to help pay for medical expenses, homemaker services or other expenses. The remainder of your benefit amount will be paid to your beneficiary(ies) after your death. (Please note: Receipt of the accelerated benefit may be taxable, or may adversely affect your eligibility for Medicaid or other government benefits. You should consult your personal tax advisor to assess the impact of this benefit.)
No general aviation exclusions – This plan does not have any general aviation exclusions, unlike some life insurance plans that exclude aviation-related activities.
Portable coverage – You can take this coverage with you if you leave your current job or move. It is not tied to your career or to any one employer.
Affordable group rates – As an AOPA member, you pay an affordable group rate for this coverage. Please see the Rates tab above for pricing.
Conversion privileges – When your coverage terminates or reduces, your life insurance can be converted to an individual whole life policy within 31 days—without regard to your health at that time. This privilege also applies to spouse1 and child coverage.
1Domestic Partner includes your registered Domestic Partner if you and your Domestic Partner are registered as domestic partners, civil union partners or reciprocal beneficiaries with a government agency or office where such registration is available. It also includes your non-registered Domestic Partner in whom you have an insurable interest. By enrolling such Domestic Partner for coverage and signing this enrollment form, you are attesting to your insurable interest.
Offers you and your spouse/domestic partner unlimited face-to-face or telephone meetings with an attorney, from MetLife Legal Plans’ network of over 18,000 participating attorneys, to prepare or update a will, living will, and Power of Attorney.
Estate representatives and beneficiaries may receive unlimited face-to-face legal assistance with probating your and your spouse/domestic partner’s estate. Beneficiaries can also consult an attorney, from MetLife Legal Plans’ network of over 18,000 participating attorneys, for general questions about the probate process.
Provides you and your dependents up to five private counseling sessions with a professional grief counselor — per event — to help cope with a loss, no matter the circumstances, whether it’s a death, an illness or divorce. Sessions may also be held over the phone.
Services designed to simplify the funeral planning process for your loved ones and beneficiaries to assist them with organizing an event that will honor a loved one’s life from a self-paced funeral planning guide to services such as locating funeral homes, florists and local support groups.
1Will Preparation and MetLife Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and affiliates, Warwick, Rhode Island. For New York sitused cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond Will Preparation. Tax Planning and preparation of Living Trusts are not covered by the Will Preparation Service. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.
2Grief Counseling and Funeral Planning Assistance are provided through an agreement with LifeWorks US Inc. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. The Grief Counseling program does not provide support for issues such as: domestic issues, parenting issues, or marital/relationship issues (other than a finalized divorce). This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred.
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.
Life insurance coverage is provided under the terms of a group life insurance policy, Group Policy 229348 issued and delivered in the state of New Jersey, and governed by its laws, to the Aircraft Owners and Pilots Association as the policyholder. Group Term Life Insurance underwritten by Metropolitan Life Insurance Company New York, NY 10166. This is a paid endorsement. AOPA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan. The policy is administered on behalf of Metropolitan Life Insurance by Mercer Health & Benefits Administration LLC, an insurance administrator licensed in the state of New Jersey. In CA d/b/a Mercer Health & Benefits Insurance Services LLC AR Insurance License #100102691 • CA Insurance License #0G39709. Our Role and Compensation
With this benefit, you may request one advance payment equal to 80% of your in force life insurance, or $500,000, whichever is less, to be paid while you are still alive if you are diagnosed with a terminal illness with less than 12 months to live. You can use your life insurance proceeds to help pay medical or other expenses during this difficult time. Your beneficiary would then receive the remainder of your benefits after your death. Receipt of the accelerated benefit may be taxable, or may adversely affect your eligibility for Medicaid or other government benefits. You should consult your personal tax advisor to assess the impact of this benefit.
Proof of good health is required for approval of coverage. This may or may not include a medical exam. If an exam is required, it will be performed at your convenience and at no expense to you.
Most likely you already have some life insurance—but is it enough and does it cover your general aviation activities? Inflation, economic conditions, and lifestyle changes can all eat away at the value of that life insurance. If something happened to you, your current life insurance may not be enough to adequately support your loved ones. AOPA Group Term Life Insurance makes it easy and affordable for you to obtain additional life insurance.
There are no general aviation exclusions under this plan. Your aviation activities are covered, unlike some life insurance plans that exclude flying in recreational or commercial aircraft.