Life Insurance

Now Available up to $50,000.

Life Insurance Benefits

Each member enrolled will receive a certificate giving a complete statement of the benefits as outlined. Attached Riders will detail additional benefits.

Monthly Contributions (Guard Member)
Life Insurance for Dependents
Spouse $5,000 $10,000
Children (Birth to 21 years of age) $5,000 $10,000
* Remains in effect to age 25 if Dependent is Full-time Student
Dependent Insurance (Includes Spouse)

Cannot exceed 50% of Member's Coverage

$5,000 Coverage - $3.35
$10,000 Coverage - $6.70

Spouse Insurance

Cannot exceed Member's Coverage

$5,000   Spouse Insurance $2.00
$10,000 Spouse Insurance $4.00
$15,000 Spouse Insurance $6.00
$20,000 Spouse Insurance $8.00
$25,000 Spouse Insurance $10.00
Life Insurance Benefits

$10,000, $20,000, $30,000, $40,000 or $50,000

Benefit payable in event of death from any cause (subject to contestability).
Coverage is twenty-four hours a day, 365 days a year.
No War Clause.
No Aviation Exclusion.
No Hazardous Duty or Civilian Occupation Restriction.
Full Conversion privilege upon termination regardless of health (see conversion Privilege section below).


$10,000 Basic Benefit

Any member, within the ninety (90) days after joining the National Guard, may enroll prior to the 91st day after joining, without furnishing evidence of insurability.

If a member does not apply within the ninety (90) day period after joining the National Guard, he may still apply, but the Company reserves the right to accept or reject his application.

Members have the option of applying for additional insurance, up to $50,000, by submitting evidence of insurability satisfactory to the Company.


Benefits will be paid to the member's named beneficiary in a lump-sum payment. If no beneficiary is living at the time of death of the insured member, the amount shall be paid to the duly qualified executors or administrators of the member's estate.


Optional Coverage will terminate the date the policy or section of the policy under which coverage is offered ends, or the last day of the month for which contributions have been paid (subject to the Grace Period).

Optional Coverage may be continued after leaving the National Guard until age 65.

The benefit(s) elected will remain level until age 60. When the Insured attains age 60 (Guard Member, Spouse or Dependent), the benefits will be reduced by 50% and the contribution will remain the same. All optional coverages expire on the last day of the month in which the member attains age 65.

Conversion Privilege

If elected benefit ceases because of termination of membership in the classes elegible for coverage under this program or separation from the National Guard, coverage may be converted to an individual policy within 31 days. See your certificate for details and requirements.