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American Benefits Association
ABA Corporate Offices
(631) 366-2794
operations@abbcinc.com
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Accident Injury Benefit Membership Vision Benefit
Membership
ABA MEMBERSHIP
Prices Add to Cart
  • As a member of the American Benefits Association, you can participate in ABA's exclusive member only group benefits program.  Join today to save thousands of dollars per year on every day services and purchases through ABA's Lifestyle Benefits Package. These benefits can be used for anyone in your household, including your pets.  Membership also includes Guaranteed Issue Term Life Insurance and Accidental Death Insurance.  Anyone 18 - 75 is eligible to JOIN and access these terrific benefits and services.

    WellCard HealthABA's Basic Membership Package includes:

    • Basic Guaranteed Issue Group Term Life Insurance 
    • Accidental Death Insurance
    • Pet Assure Discount Program
    • Discount Pet Rx
    • Legal Club which includes:
      • FREE & Discounted legal services
      • Tax Preparation
      • Financial Education & Credit Counseling
      • Financial Services
      • Identity Theft & Restoration

     

    The ABA Basic Membership is currently available in the following states:  AL, AZ, CA, DC, FL, GA, IA, ID, IL, IN, KY, MI, MO ,MS, ND, NE, NJ, NM, OH, OK, PA, SC, SC, TN, TX, VA, WV & WY with more states to come.......

    Members have the option to choose the Group Term Life Benefit* that fits their needs and budget.

    Rates reflected below include Membership Dues, all Discount Membership Benefits plus Group Term Life & Accidental Death.

     

    $10,000

    $20,000

    $30,000

    $40,000

    $50,000

    Ages 18-34

    $19.95

    $24.95

    $29.95

    $34.95

    $39.95

    Ages 35-44

    $24.95

    $29.95

    $34.95

    $39.95

    $44.95

    Ages 45-54

    $29.95

    $34.95

    $39.95

    $44.95

    $49.95

    Ages 55-64

    $34.95

    $49.95

    $72.95

    $82.95

    $98.95

    Ages 65-75

    $98.95

    $148.95

    $213.95

    $273.95

    $343.95

     

     

     

     

     

     

     

     

     

    *Group Term Life Benefit Payout:

    Certificate Year 1 - 120% of all GTL premiums paid

    Certificate Year 2 - 20% of the Ultimate Face Amount

    Thereafter - Ultimate Face Value

    For Accidental Death - Ultimate Face Value in all years.

    ABA Membership Discount Service Plan fees are non-refundable

     

    ABA Basic Group Term Life and Accidental Death Insurance coverage included with the ABA Basic Membership covers ONLY the primary member.  DIscount Dental. Hearing, Vision, Prescription, Lab & Imaging Services and PET Assure are NOT HEALTH INSURANCE POLICIES.  These plans provide discounts at certain healthcare providers for medical services.  Actual services, cost and savings may vary by provider, service and geographical location.  WellCard Health is not available in the following states:  AK, MT and VT.  Membership benefits are subject to change.

Accident Injury Benefit
Accident Injury Benefit
Brochure More Info Enroll Now
  • Product
    $26.00 per Month for Member
    $29.00 per Month for Member plus Spouse
    $36.00 per Month for Member plus Child(ren)
    $49.00 per Month for Member plus Family
  • Membership Accident Benefit Option

    ABA Members can expand their Basic Association membership and elect this supplemental benefit.  This benefit includes:

    • The option to purchase Guaranteed Issue Accident Insurance coverage
    • Coverage available for spouse / partner.
    • Includes $10,000 accidental death and dismemberment coverage.

     

    Accidents happen. Don't be caught unprepared!

    Medical insurance has deductibles and co-payments. If you miss work due to accidental injury, accident insurance pays you Cash to pay your monthly bills.

    For more information or to elect this membership option, click Join Now.

    The Membership Accident Benefit is an open enrollment option.  Members can elect to enroll during Basic Membership enrollment or anytime thereafter.

     

  • States Available - AK, AL, AR, AZ, CA, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MI, MO, MS, ND, NE, NJ, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, VA, WI, WV, WY

    States Not Available - CO, DE, LA, ME, MD, MN, MT, NH, NY, NC, OR, PR, UT, VT, WA
Vision Benefit
VSP Vision Service Plan - Standard Plan
Brochure Benefits Summary Enroll now
  • Product
    $12.58 per Month for Member
    $20.12 per Month for Member plus Spouse
    $20.54 per Month for Member plus Child(ren)
    $33.12 per Month for Member plus Family
  • Get the best eyecare and eyewear with the VSP® Vision Care Plans

    • $10 co-pay for Well/Vision Exam.
    • You’ll get the best care from a VSP® provider including a WellVision Exam® - the most comprehensive exam designed to detect eye and health conditions.
    • Choice of providers – The decision is yours to make – choose a VSP doctor, a participating retail chain or any out-of-network provider.

     

    Click "ENROLL NOW" on the top right corner to elect enrollment.

Vision Benefit
VSP Vision Service Plan - Premium Plan
Brochure Benefits Summary Enroll now
  • Product
    $21.46 per Month for Member
    $34.34 per Month for Member plus Spouse
    $35.06 per Month for Member plus Child(ren)
    $56.52 per Month for Member plus Family
  • Get the best eyecare and eyewear with the VSP® Vision Care Plans

    • $10 co-pay for Well/Vision Exam.
    • You’ll get the best care from a VSP® provider including a WellVision Exam® - the most comprehensive exam designed to detect eye and health conditions.
    • Choice of providers – The decision is yours to make – choose a VSP doctor, a participating retail chain or any out-of-network provider.

     

    Click "ENROLL NOW" on the top right corner to elect enrollment.

Supplemental Membership Options
Supplemental Voluntary Group Term Life Benefit
Information
  • ABA Members can expand their Basic Association Membership Group Term Life Insurance benefit by purchasing additional coverage under the Associations NEW Guaranteed Issue supplemental coverage option.

    ABA’s Supplemental Group Term Life Benefit, issued by Standard Insurance Company offers members:

    • The ability to voluntarily add an additional $10,000 - $150,000 Group Term Life benefit.
    • Purchase $10,000  to $50,000 supplemental Group Term benefit for their spouse / partner
    • NO doctors exam or any medical questions required to qualify.
    • Affordable, Monthly Group Costs.
    • Supplemental Life benefit features include accidental death benefits, Travel Assistance program providing members and their families a range of professional, 24-hour medical and legal assistance while traveling including a Repatriation benefit if death occurs more than 200 miles from the members home. A Seat Belt Benefit and an Air Bag Benefit are also included in all members AD&D coverage.
    • Supplemental Group Term Life monthly costs are age banded:
    • Ages 18-39, 40-49, 50-59, or 60-69,

    ABA Members must be:

    • An ABA Member in good standing
    • Actively employed for wage or profit a minimum of 20 hours per week.
    • Provide evidence of income earned via employment.

    Participating Members must elect optional supplemental benefits within the first 31 days following the effective date of ABA membership. Evidence of insurability will be required for any supplemental benefit applied for by a member, if elected after 31 days of membership. All coverage subject to the terms, conditions and exclusions of Group Term Life Policy# 158869 issued to the American Benefits Association by Standard Insurance Company,        PO Box 711, Portland, Ore. 97207-0711.


  • States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, WI, WV, WY

    States Not Available - AK, MT, SD, UT, VT, WA
Child (ren) Life Benefit
Optional Child(ren) Group Term Life Benefit Coverage
More Info
  • Product
    $6.00 per Month for $10,000 Term Life Insurance
  • Members can add $10,000 Group Term Life Coverage with AD&D for all their financially dependent children.  

    Dependent children are covered from 14 days of age to age 21, or 26 if full-time student.

    Membership provides an optional Child Term Rider that many families consider necessary protection. All dependent children are covered under one budget friendly cost.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    ***This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. 

     

     

Critical Illness Benefit
Critical Illness Benefit $10,000 Coverage
Prices Brochure More Info Enroll Now
  • Critical Illness Benefit - $10,000 Coverage

    Colonial Life Group Critical Care  (all states with the exception of New York)

    ABA Member Option – Basic Critical Illness Benefits with Subsequent Diagnosis, Cancer and the Cancer Treatment and Care Benefit.

    ABA Members can expand their Membership benefits by electing this Group Critical Illness Benefit issued by Colonial Life.

    Enrollment options are available for active members, their spouse – partner, and their eligible dependents. Consult your dedicated ABA Membership Advisor for details.

    Plan Features:

    • Guaranteed Acceptance
    • LUMP Sum payment allows ABA Members the flexibility to better plan their treatment and care.
    • Members can elect the benefit amount that best meets their personal needs and budget.
    • $10,000 benefit amount.
    • Ongoing benefits for cancer treatment and care.
    • Plan may PAY multiple times for a covered critical illness.

    A serious medical event such as cancer, heart attack or stroke could leave you in a period of financial difficulty. Major medical coverage still has uncovered expenses of deductibles, co-payments, travel expenses to and from treatment centers and the loss of wages or salary.

    This benefit option is NOT available to residents of the State of New York.

    The Critical Illness Benefit is an open enrollment option.  Members can elect to enroll during Basic Membership enrollment or anytime thereafter.

     

    Critical Illness, (Group Critical Care Plan) issued to ABA by Colonial Life & Accident, a subsidiary of Unum Corporation.

  • States Available - AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

    States Not Available - NY
Critical Illness Benefit
Critical Illness Benefit $5,000 Coverage
Prices Brochure More Info Enroll Now
  • Critical Illness Benefit - $5,000 Coverage

    Colonial Life Group Critical Care  (all states with the exception of New York)

    ABA Member Option – Basic Critical Illness Benefits with Subsequent Diagnosis, Cancer and the Cancer Treatment and Care Benefit.

    ABA Members can expand their Membership benefits by electing this Group Critical Illness Benefit issued by Colonial Life.

    Enrollment options are available for active members, their spouse – partner, and their eligible dependents. Consult your dedicated ABA Membership Advisor for details.

    Plan Features:

    • Guaranteed Acceptance
    • LUMP Sum payment allows ABA Members the flexibility to better plan their treatment and care.
    • Members can elect the benefit amount that best meets their personal needs and budget.
    • $5,000 benefit amount.
    • Ongoing benefits for cancer treatment and care.
    • Plan may PAY multiple times for a covered critical illness.

    A serious medical event such as cancer, heart attack or stroke could leave you in a period of financial difficulty. Major medical coverage still has uncovered expenses of deductibles, co-payments, travel expenses to and from treatment centers and the loss of wages or salary.

    This benefit option is NOT available to residents of the State of New York.

    The Critical Illness Benefit is an open enrollment option.  Members can elect to enroll during Basic Membership enrollment or anytime thereafter.

     

    Critical Illness, (Group Critical Care Plan) issued to ABA by Colonial Life & Accident, a subsidiary of Unum Corporation.

  • States Available - AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

    States Not Available - NY
Critical Illness Benefit
Group Specified Disease Benefit $10,000 Coverage (NY Only)
Prices Brochure More Info Enroll now
  • Group Specified Disease Benefit - $10,000 Coverage

    Paul Revere Group Specified Disease Benefit – New York Only

    ABA Member Option – Basic Critical Illness Benefits with Subsequent Diagnosis, Cancer and the Cancer Treatment and Care Benefit.

    ABA Members can expand their Membership benefits by electing this Group Critical Illness Benefit issued by The Paul Revere Life Insurance Company.

    Enrollment options are available for active members, their spouse – partner, and their eligible dependents. Consult your dedicated ABA Membership Advisor for details.

    Plan Features:

    • Guaranteed Acceptance
    • LUMP Sum payment allows ABA Members the flexibility to better plan their treatment and care.
    • Members can elect the benefit amount that best meets their personal needs and budget.
    • $10,000 benefit amount.
    • Ongoing benefits for cancer treatment and care.
    • Plan may PAY multiple times for a covered critical illness.

    A serious medical event such as cancer, heart attack or stroke could leave you in a period of financial difficulty. Major medical coverage still has uncovered expenses of deductibles, co-payments, travel expenses to and from treatment centers and the loss of wages or salary.

    This benefit option is ONLY available to residents of the State of New York.

    The Group Specified Disease Benefit is an open enrollment option.  Members can elect to enroll during Basic Membership enrollment or anytime thereafter.

     

    The Group Specified Disease Plan is issued to ABA by The Paul Revere Life Insurance Company. Policies if approved, are underwritten in New York by The Paul Revere Life Insurance Company.

  • States Available - NY

    States Not Available - AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Critical Illness Benefit
Group Specified Disease Benefit $5,000 Coverage (NY Only)
Prices Brochure More Info Enroll now
  • Group Specified Disease Benefit - $5,000 Coverage

    Paul Revere Group Specified Disease Benefit – New York Only

    ABA Member Option – Basic Critical Illness Benefits with Subsequent Diagnosis, Cancer and the Cancer Treatment and Care Benefit.

    ABA Members can expand their Membership benefits by electing this Group Critical Illness Benefit issued by The Paul Revere Life Insurance Company.

    Enrollment options are available for active members, their spouse – partner, and their eligible dependents. Consult your dedicated ABA Membership Advisor for details.

    Plan Features:

    • Guaranteed Acceptance
    • LUMP Sum payment allows ABA Members the flexibility to better plan their treatment and care.
    • Members can elect the benefit amount that best meets their personal needs and budget.
    • $5,000 benefit amount.
    • Ongoing benefits for cancer treatment and care.
    • Plan may PAY multiple times for a covered critical illness.

    A serious medical event such as cancer, heart attack or stroke could leave you in a period of financial difficulty. Major medical coverage still has uncovered expenses of deductibles, co-payments, travel expenses to and from treatment centers and the loss of wages or salary.

    This benefit option is ONLY available to residents of the State of New York.

    The Group Specified Disease Benefit is an open enrollment option.  Members can elect to enroll during Basic Membership enrollment or anytime thereafter.

     

    The Group Specified Disease Plan is issued to ABA by The Paul Revere Life Insurance Company. Policies if approved, are underwritten in New York by The Paul Revere Life Insurance Company.

     

  • States Available - NY

    States Not Available - AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Phone Promotion
Sprint/Verizon FREE PHONE
  • In appreciation for your Membership, we would like to offer you something very special.

    A FREE Android™ Smartphone offer

    (New or upgrade 2 year activation required)

    Choose from new phones like Samsung, LG, HTC and more.  If you are looking to upgrade your existing plan or want a new plan, with a 2 Year Activation, any of the phones you see on the following link can be yours.  What great gifts these would be!

    Click the link below 

    http://1keystone.wasvcs.com/catalog/list 

    to view the SmartPhones available now.

     

    We hope you will take advantage of this offer and communicate it

    with all your friends, family and customers.   

     

    Click here for a Powerpoint presentation on this offer.

     

    Free phone offer is only available with select service plans, data and messaging features and a two-year subscriber agreement. Price valid for primary and secondary lines only. Offer is subject to identity, credit and/or eligibility check. Contract renewal and upgrade options may also be available for existing eligible customers, however price may vary. Service may not be available in all markets or on all wireless carriers. Activation/upgrade fees, early termination fees, and additional restrictions apply. Consumers are required to pay regulatory fees and applicable sales taxes based on their location. Must be 18 or older to qualify. Void where restricted or prohibited by law. Not valid with any other offer or for business accounts. Limited time offer that is subject to change and only valid in the United States. See full offer for details. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life (Ages 18 - 29)
Prices Information Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment)

    To select this GUARANTEED ISSUE ABA Member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

     

    States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WI, WV, WY

    States Not Available - AK, MT, NY, SD, UT, VT, WA

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life (Ages 30 - 34)
Prices More Info Enroll Now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment)

     

    To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefitat the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

     

    States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WI, WV, WY

    States Not Available - AK, MT, NY, SD, UT, VT, WA

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life (Ages 35 - 39)
Prices More Info Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

     

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment) To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

     

    States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WI, WV, WY

    States Not Available - AK, MT, NY, SD, UT, VT, WA

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life (Ages 40 - 44)
Prices More Info Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment) To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

     

    States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WI, WV, WY

    States Not Available - AK, MT, NY, SD, UT, VT, WA

     

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life (Ages 45 - 49)
Prices More Info Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment) To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

     

    States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WI, WV, WY

    States Not Available - AK, MT, NY, SD, UT, VT, WA

     

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Age 55 - 59)
Add Spouse
  • Product
    $6.90 per Month for $10,000 Term Life Insurance
    $13.80 per Month for $20,000 Term Life Insurance
    $20.70 per Month for $30,000 Term Life Insurance
    $27.60 per Month for $40,000 Term Life Insurance
    $34.50 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

     

     

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life (Ages 50 - 54)
Prices More Info Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment) To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

     

    States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WI, WV, WY

    States Not Available - AK, MT, NY, SD, UT, VT, WA

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life (Ages 60 - 64)
Prices Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment) To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

     

    States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WI, WV, WY

    States Not Available - AK, MT, NY, SD, UT, VT, WA

Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life (Ages 65 - 69)
Prices Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment)

    To select this GUARANTEED ISSUE ABA Member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

     

    States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WI, WV, WY

    States Not Available - AK, MT, NY, SD, UT, VT, WA
Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life (Ages 70 - 74)
Prices Enroll now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment)

    To select this GUARANTEED ISSUE ABA Member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

     

    States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WI, WV, WY

    States Not Available - AK, MT, NY, SD, UT, VT, WA
Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life (Ages 75+)
Prices
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment)

    To select this GUARANTEED ISSUE ABA Member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

     

    States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WI, WV, WY

    States Not Available - AK, MT, NY, SD, UT, VT, WA
Guaranteeed Issue Life Benefit
Supplemental Voluntary Group Term Life (Ages 55 - 59)
Prices More Info Enroll Now
  • ABA Members can expand their Basic Association Membership Life Insurance coverage and elect this EXCLUSIVE ABA Member only Buy-Up Option.

     

    This supplemental option offers you the ability to purchase:

     

    ABA’s Supplemental Group Term Life Plan, insured by 5 Star Insurance Company, allows members to:

    • Purchase additional Guaranteed Issued Group Term Life coverage in increments from $10,000 - $150,000.
    • Elect coverage for your spouse / partner and any eligible child dependents under this option.
    • Requires NO Doctors or Para-Med Exam.
    • Has NO Medical Questions.
    • Is priced to fit our member’s monthly budget.

     

    To qualify you must be an ACTIVE ABA Member in good standing working a minimum of 30 hours per week (W-2 or Self Employed individuals can qualify for enrollment) To select this GUARANTEED ISSUE ABA member only option, Click "Add Optional Benefit”at the top of this page.

     

    Members can also add up to $300,000 Simplified Issue with medical underwriting.  Please contact ABA for a Simplified Issue application, 631-366-2794 or e-mail operations@abbcinc.com

     

    Supplemental rates subject to change when a member enters a new age band / bracket. Supplemental benefits are subject to benefit reductions as follows:

     

    Supplemental Benefit Coverage is subject to age reductions:

    • Age 70 reduces by 35%
    • Age 75 reduces by 55%
    • Age 80 reduces by 70%
    • Age 85 reduces by 80%
    • Age 90 reduces by 85%

     

    Members MUST elect to enroll in this benefit at the time of enrollment or within 31 days of enrollment. If enrollment for supplemental coverage is requested after 31 days, evidence of insurability is required.  The supplemental option is then no longer guaranteed issued. 

     

     

    States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WI, WV, WY

    States Not Available - AK, MT, NY, SD, UT, VT, WA

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Age 18 - 29)
Add Spouse
  • Product
    $1.00 per Month for $10,000 Term Life Insurance
    $2.00 per Month for $20,000 Term Life Insurance
    $3.00 per Month for $30,000 Term Life Insurance
    $4.00 per Month for $40,000 Term Life Insurance
    $5.00 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

     

     

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Ages 30 - 34)
Add Spouse
  • Product
    $1.10 per Month for $10,000 Term Life Insurance
    $2.20 per Month for $20,000 Term Life Insurance
    $3.30 per Month for $30,000 Term Life Insurance
    $4.40 per Month for $40,000 Term Life Insurance
    $5.50 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

     

     

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Ages 35 - 39)
Add Spouse
  • Product
    $1.30 per Month for $10,000 Term Life Insurance
    $2.60 per Month for $20,000 Term Life Insurance
    $3.90 per Month for $30,000 Term Life Insurance
    $5.20 per Month for $40,000 Term Life Insurance
    $6.50 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

     
Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Ages 40 - 44)
Add Spouse
  • Product
    $1.80 per Month for $10,000 Term Life Insurance
    $3.60 per Month for $20,000 Term Life Insurance
    $5.40 per Month for $30,000 Term Life Insurance
    $7.20 per Month for $40,000 Term Life Insurance
    $9.00 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

     

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Ages 45 - 49)
Add Spouse
  • Product
    $2.80 per Month for $10,000 Term Life Insurance
    $5.60 per Month for $20,000 Term Life Insurance
    $8.40 per Month for $30,000 Term Life Insurance
    $11.20 per Month for $40,000 Term Life Insurance
    $14.00 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Ages 50 - 54)
Add Spouse
  • Product
    $4.50 per Month for $10,000 Term Life Insurance
    $9.00 per Month for $20,000 Term Life Insurance
    $13.50 per Month for $30,000 Term Life Insurance
    $18.00 per Month for $40,000 Term Life Insurance
    $22.50 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Age 60 - 64)
Add Spouse
  • Product
    $10.60 per Month for $10,000 Term Life Insurance
    $21.20 per Month for $20,000 Term Life Insurance
    $31.80 per Month for $30,000 Term Life Insurance
    $42.40 per Month for $40,000 Term Life Insurance
    $53.00 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

     

     

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Age 65 - 69)
Add Spouse
  • Product
    $18.80 per Month for $10,000 Term Life Insurance
    $37.60 per Month for $20,000 Term Life Insurance
    $56.40 per Month for $30,000 Term Life Insurance
    $75.20 per Month for $40,000 Term Life Insurance
    $94.00 per Month for $50,000 Term Life Insurance
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

     

     

Spouse Life Benefit
Optional Spouse Group Term Life Benefit (Ages 70 - 74)
Information Join Now
  • Enrollment
    $20.00 one-time for Non-Refundable
    Product
    $34.95 per Month for ABA Membership
  • ABA Members can opt to purchase a Supplemental Group Term Life Benefit with AD&D for their spouse.

    Spouse can elect a $10,000 GUARANTEED ISSUE benefit upon enrollment and up to $50,000 Simplified Issue. The Group Life Insurance Enrollment form MUST be completed and approved through Underwriting for any benefit over $10,000. 

    Requirements for coverage:

    • Member MUST purchase a Supplemental Term Life Buy-Up of at least $10,000 for their spouse to be eligible for coverage.
    • Spousal monthly rate is determined by the Spouse’s current age.
    • Spousal benefit cannot exceed Member’s supplemental benefit.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    If an association member choses to place extended association benefits or supplemental coverage on a Spouse or a Partner in marriage, that Spouse or Partner cannot have a separate membership on their own. If a Spouse or a Partner elects to become a member on their own, they must terminate their extended Spouse or Partner benefits provided from the primary membership of their husband or wife. An individual cannot have both membership positions in the association, they need to decide to have one position over the other only.

    Benefits will only be paid from one membership or a Spouse/Partner relationship in the association.

     

     

  • States Available - AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY

    States Not Available - AK, MT, VT
Child (ren) Life Benefit
Optional Child(ren) Group Term Life Benefit
More Info Enroll Now
  • Product
    $2.00 per Month for $10,000 Term Life Insurance
  • Members can add $10,000 Group Term Life Coverage with AD&D for all their financially dependent children.  

    Dependent children are covered from 14 days of age to age 21, or 26 if full-time student.

    Membership provides an optional Child Term Rider that many families consider necessary protection. All dependent children are covered under one budget friendly cost.

     

    Members can ONLY elect this guaranteed issue option if they have also added additional supplemental coverage. This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. This is NOT a stand-alone benefit and must be elected within the first 31 days of membership to qualify.  Benefit is subject to all terms, conditions and exclusions of the Associations Group Master Policy.

    ***This benefit is a rider to The Members Certificate of Coverage under the Voluntary - Supplemental Group Term Life Coverage option. 

     

     

ABA Corporate Offices  • American Benefits Association  • Phone: (631) 366-2794  • operations@abbcinc.com

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