Term Life and Level Term Life Coverage

Term Life Insurance provides coverage for a specific period of time. The NYSUT Member Benefits Trust-endorsed Term Life Insurance plan provides benefits up to $1 million, if under age 65*.

• Coverage for you, your lawful spouse or certified domestic partner and even your children
• Accelerated benefits if you or your insured lawful spouse or certified domestic partner should be diagnosed as terminally ill
• 15 percent discount for members who are eligible for, and choose to pay through, payroll deduction or pension deduction

To get a personalized rate quote, access our interactive rate calculator.

*Coverage may vary and may not be available in all states.

Level Term Life Insurance provides life insurance coverage you can depend on for up to 20 years with premiums that are not scheduled to increase while also ensuring benefit options will not decrease. The plan provides benefits up to $1 million, if under age 65.

• Choose the length of term that’s right for you with 10-, 15- and 20-year options available*
• Coverage for you or your lawful spouse or certified domestic partner
• Accelerated benefits if you or your insured lawful spouse or certified domestic partner should be diagnosed as terminally ill
• 15% discount for members who are eligible for, and choose to pay through, payroll deduction
• Level Term Life Insurance offers premiums that will not increase for the length of term you select. Your premium will remain level and your benefit amount will not decrease during the initial term due to your age or health status. (The insurance company does reserve the right to change premium rates, but may only do so for all insureds covered under the group policy.)

To get a personalized rate quote, access our interactive rate calculator.

*You and your spouse (or certified domestic partner) are eligible for the 20-year plan if under age 55, the 15-year plan if under age 60 and the 10-year plan if under age 65.

Will Preparation Services

If you’re enrolled in the Term Life or Level Term Life Insurance coverage, you and your spouse may take advantage of Will Preparation services at no cost to you. Virtually everyone needs a will.  Without a will, a person’s assets are generally distributed according to state law, regardless of his/her actual intentions. Having a will can help you set important decisions—such as who inherits your property, who handles your affairs, and who will care for your children.

Estate Resolution Services 

Settling an estate can be a complex and lengthy process, but it doesn’t have to be. The resources and services we offer you and your beneficiaries through MetLife Legal Plans are there to help. With your Term Life or Level Term Life coverage, you get expert legal guidance at no extra cost. Whenever you or your representative have a question about the probate process or the court representation needed, unlimited consultations with a plan attorney can leave you feeling confident with your decisions. 

How can I access these services?

It’s easy to use the Will Preparation and Estate Resolution services. Simply call MetLife Legal Plans’ Toll-Free Number, 1-800-821-6400, Monday – Friday, 8:00 a.m. – 7:00 p.m. Eastern Time to speak to a representative. You’ll be asked to provide your plan sponsor’s name (NYSUT), and the last 4 digits of the policyholder’s Social Security number. The representative will assign you a case number and help you locate a participating plan attorney near you.