New coverage is only available to California residents.

What is Group Term Life Insurance?

It's a type of insurance that issues a specific amount of money to beneficiaries upon your death. The one offered by the Club is a 5 year, guaranteed renewable, group term. Term life insurance is the original form of life insurance and is considered to be pure insurance protection because it builds no cash value. Once approved, the plan cannot be cancelled or terminated for any reason other than by the policyholder or for nonpayment of premiums. The premiums change once every five years.

Why get life insurance?

Even if you're not supporting a family, there are many reasons to have life insurance. Life insurance can be used to pay off any outstanding mortgage balance. It can be used to replace the lost income so the survivor can maintain the same standard of living. Why burden your loved ones with funeral expenses, burial cost, and medical bills?

Why Get Life Insurance from the Club?

  • Annual Refund Check: Each year, after we pay all claims and expenses, we divide any leftover premium payment money and return it to our members!
  • Portability: Coverage is fully portable (to age 60) at the employee rate if you terminate your employment for any reason. A Terminal Illness Benefit is available — so if you're diagnosed with a terminal illness, you can access up to 60% of your benefits (less the discount) to help alleviate the financial strain.
  • Spouse/Domestic Partner & Dependent Coverage Available: to nonemployee spouses and dependents for up to $300,000, and Dependents $10,000 up to age 26 (in California).
  • Automatic Payroll/ Retiree Deductions so you don't have to worry about additional bills.
  • Terminal Illness Benefits: if you're diagnosed with a terminal illness, you can access up to 60% of your benefits (less the discount) to help alleviate the financial strain.


LA County, State of California, and LAUSD employees are not currently eligible for enrollment.

Downloadable Forms

Download our forms directly. You'll need to have Adobe Acrobat installed on your computer to view it.


Most Frequently Asked Questions

If I'm not a Club Member, can I just apply for Life insurance?

You must be a Club Member to enroll. You can also enroll for Club Membership and coverage at the same time.

Does the Club's coverage pay if I have other plans?

Yes, we will pay in addition to any other life insurance benefits you have.

Do I have to go to my doctor's office for an exam to apply?

Usually, you do not have to go to your own doctor however there are times when the medical underwriter will request additional information from your doctor and you will have to physically sign a release.

Is there a specific time or month to enroll?

Enrollment is accepted at any time.