Personalized Rate Calculator — 5 Year Banded Term Life Insurance

Between $10,000 and $750,000.

Premiums may vary with amount of benefits:

Member
Age:	Under 30 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59
Benefit Amount:	$10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $110,000 $120,000 $130,000 $140,000 $150,000 $160,000 $170,000 $180,000 $190,000 $200,000 $210,000 $220,000 $230,000 $240,000 $250,000 $260,000 $270,000 $280,000 $290,000 $300,000 $310,000 $320,000 $330,000 $340,000 $350,000 $360,000 $370,000 $380,000 $390,000 $400,000 $410,000 $420,000 $430,000 $440,000 $450,000 $460,000 $470,000 $480,000 $490,000 $500,000 $510,000 $520,000 $530,000 $540,000 $550,000 $560,000 $570,000 $580,000 $590,000 $600,000 $610,000 $620,000 $630,000 $640,000 $650,000 $660,000 $670,000 $680,000 $690,000 $700,000 $710,000 $720,000 $730,000 $740,000 $750,000
Accidental Death:	None $100,000 $250,000 $300,000 $400,000 $500,000
	Smoker  Non-smoker
Spouse
Benefit Amount: (Spouse benefit cannot exceed member amount)	None $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $110,000 $120,000 $130,000 $140,000 $150,000 $160,000 $170,000 $180,000 $190,000 $200,000 $210,000 $220,000 $230,000 $240,000 $250,000 $260,000 $270,000 $280,000 $290,000 $300,000 $310,000 $320,000 $330,000 $340,000 $350,000 $360,000 $370,000 $380,000 $390,000 $400,000 $410,000 $420,000 $430,000 $440,000 $450,000 $460,000 $470,000 $480,000 $490,000 $500,000 $510,000 $520,000 $530,000 $540,000 $550,000 $560,000 $570,000 $580,000 $590,000 $600,000 $610,000 $620,000 $630,000 $640,000 $650,000 $660,000 $670,000 $680,000 $690,000 $700,000 $710,000 $720,000 $730,000 $740,000 $750,000
Accidental Death: (Spouse benefit cannot exceed Member amount)	None $100,000 $250,000 $300,000 $400,000 $500,000
	Smoker  Non-smoker
Children
Coverage for children:	Yes No
Accidental Death:	None $25,000 $50,000

To see complete Life rate chart, click here. Access the complete AD&D rate chart here.

Although not promised or guaranteed, the Plan has a long history of earned dividends, which you should keep in mind in any rate comparisons. We ask that you leave any dividends with the Endowment. If you do so, you will be eligible for a charitable contribution deduction on your individual tax return. Members may also annually request that experience credits be refunded to them. (See Assignment of Dividends section for further details.)

Premium rates for Term Life for the Member and spouse are based on the Member's age when coverage becomes effective and increase on the June 1st on or next following a change in age categories until age 60. Term Life rates increase every 5 years starting at age 30. These are the current rates and reflect the current benefit structure. New York Life can change the premium rates on any premium due date (but only once in any 12-month period), and on any date on which benefits are changed. However, your rates may change only if they are changed for all others in the same class of insureds under this group policy. For example, a class of insureds is a group of people with the same issue age.

Benefit options are not guaranteed and are subject to change if agreed to by New York Life Insurance Company and the ABE.

Due to rounding, premiums may differ by pennies when billed.

Child's Term Life Schedule of Benefits and Quarterly Premium: $5,000 Coverage. One $2.50 quarterly premium covers all eligible dependent children regardless of number.

For Term Life, see chart in product description for reducing amounts of insurance after age 59 and all other plan features. Contact the ABE for Member and spouse rates after Member's age 59. Coverage terminates on the policy anniversary on or next following the Member's 75th birthday.

Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy Form GMR-FACE/G-2766-3 (Term Life) and G-11461 ( AD&D).

Member must be insured to insure spouse/children.

We will be happy to answer your questions. Just call 1-800-621-8981 or e-mail us at information@abendowment.org