Term Life Insurance

What is Life Insurance?

In the simplest of words, 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.

For specific rate information, please contact our Member Services Department at 1-800-464-0452 or email is at info@cityemployeesclub.com

Do I Need Life Insurance?

This is perhaps the most important question to ask and the question can be answered with another question. If you die, will you leave behind people that are dependent on you financially? If you answered yes, then it is very likely that you need life insurance.

Now I know that I need it, how much do I need?

This is where the power of the Club is most visible. Our Member Services Counselors are licensed and have years of experience to make sound recommendations on how much coverage is appropriate for you. Please contact Club Headquarters at 1-800-464-0452 to speak to one of our counselors.

What’s unique about the Club’s Life insurance?

Our term life insurance offers a host of other benefits you won’t find with other plans. 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 and Dependent Benefits Available

Unlike plans that restrict spouses to much lower coverage limits, Term Life Insurance from the Club allows nonemployee spouses to enroll for up to $300,000 in policy benefits — even if the employee husband or wife doesn’t participate in the plan. Dependent benefits are available, too.

If you haven’t protected your family with life insurance yet, it’s time to discover how affordable the best can be. And if you’re still with another life plan, it’s time to take a look at what you’re missing! LACEA life insurance delivers broader coverage options for you and your family…the solid reliability of The United States Life Insurance Company…and you may even get money back at the end of the year.

Did you say money back?

It may sound amazing, but each year, after we pay all claims and expenses, we divide any leftover premium payment money and return it to our members! Only one term insurance plan does that: the one from the City Employees Club of Los Angeles.

When could I get coverage for my spouse?

Anytime – even if you’re not a member, and even if you stay with another plan. You can apply for up to $300,000 in coverage – much higher than most other plans. Your better half’s coverage amount isn’t tied to yours. And your spouse becomes eligible for a yearly refund check too.

Where else could I find a program like this?

Nowhere. That’s why it’s especially nice to know your great term life coverage isn’t tied to your current job – you can take it with you if you leave the City or DWP before age 60. After 60, you are eligible for LACEA Retiree Life coverage.

Additional Information

Eligibility: You are eligible to apply for life coverage if you are a member of the City Employees Club of Los Angeles and actively working full-time.

Effective Date: Coverage will be effective on the 1st of the month coinciding with or next following the date your request is approved by United States Life.

Date Insurance Ends: As long as you remain actively at work, continue to pay premiums when due, and the group policy remains in effect, your coverage will not end. At Age 70, coverage reduces to either $51,000 or $10,000.

Exclusions/Limitations: Certain exclusions apply. See your Certificate of Insurance for details. If a person commits suicide within two years from the date coverage takes effect, liability will be limited to the return of premiums paid, plus interest.

How Do I Apply?

APPLY TODAY!

Call to have an application mailed to you at 1-800-464-0452 or email us at info@cityemployeesclub.com.

Please indicate what department you currently work for so our counselors can respond back to your immediately.

Who's My Counselor?

Got more questions? Not sure what to do now? Contact our Member Service Department and one of our counselors can help answer all your questions. All of our counselors are licensed and qualified to help you.

Who's your department counselor?