Term Life Tabbed Product Details
Save Money with Affordable Group Rates Term life.
Age is the participant's age as of last birthday.
Optional Accidental Death & Dismemberment Rider is available at an additional $0.017 per $1,000 of coverage per month.
Rates are the same for the Member's Spouse or Domestic Partner. Plan terms at age 70.
One monthly premium covers all children in the family.
(Cost from your age bracket) x (# of Units) = Monthly Premium
Example: Age 32, Non-Smoker
Amount of coverage desired: $50,000
How to Calculate Your PAYMENT OPTIONS:
Example: Quarterly payments: (monthly premium) x 3 = Quarterly payment
Semi-annual payments: (monthly premium) x 6 = Semi-annual payment $5.00 x 6 = $30.00
Annual payments: (monthly premium) x 12 = Annual payment $5.00 x 12 = $60.00
Call 1-888-423-8700 for more information.
If you submit a request for insurance (Statement of Health form) we will evaluate it. We will review the information you give to us and we may confirm it or add to it in the ways explained below.
This Privacy Notice is given to you on behalf of these companies:
Metropolitan Life Insurance Company, Paragon Life Insurance Company
Please read this Privacy Notice carefully. It describes in broad terms how we learn about you and how we treat the information we get about you. (If anyone else is to be insured, what we say here also applies to information about him or her.) We are required by law to give you this notice.
Why We Need to Know About You: We need to know about you (and anyone else to be insured) so that we can provide the insurance and other products and services you've asked for. We may also need information from you and others to help us verify identities in order to prevent money laundering and terrorism.
What we need to know includes address, age and other basic information. But depending on the type of product or insurance, we may need more information. This may include information about your finances, employment, health, hobbies or business conducted with us, with other MetLife companies (our "affiliates") or with other companies. Our affiliates currently include car and home insurers, securities firms, broker-dealers, a bank, a legal plans company and financial advisors.
How We Learn About You: What we know about you (and anyone else to be insured) we get mostly from you. But we may also have to find out more from other sources in order to make sure that what we know is correct and complete. Those sources may include adult relatives, employers, consumer reporting agencies, health care providers and others. Some of our sources may give us reports and may disclose what they know to others. We may ask for medical information about you from these sources. The Authorization that you sign when you request insurance permits these sources to tell us about you. So we may, for instance:
We may also ask a consumer reporting agency for a "consumer report" about you (or anyone else to be insured). Consumer reports may tell us about a lot of things, including information about your finances, employment, hobbies, mode of living, work history, and driving record.
The information may be kept by the consumer reporting agency and later given to others as permitted by law. The agency will give you a copy of the report it provides to us, if you ask the agency and can provide adequate identification. If you write to us and we have asked for a consumer report about you, we will tell you so and give you the name, address and phone number of the consumer reporting agency.
Another source of information is MIB Group, Inc. ("MIB"). It is a non-profit association of life insurance companies. We and our reinsurers may give MIB health or other information about you. If you apply for life or health coverage from another member of MIB, or claim benefits from another member company, MIB will give that company any information it has about you. If you contact MIB, it will tell you what it knows about you. You have the right to ask MIB to correct its information about you. You may do so by writing to MIB, Inc., P.O. Box 105, Essex Station, Boston, MA 02112, by calling MIB at (866) 692-6901 (TTY (866) 346-3642 for the hearing impaired), or by contacting MIB at www.mib.com.
How We Protect What We Know About You: We take steps we consider reasonable to make sure that what we know about you is treated confidentially. For example, our employees are told to take care in handling your information. They may get information about you only when there is a good reason to do so. We also take steps to make our computer databases secure and to safeguard the information we have about you.
How We Use and Disclose What We Know About You
We may use anything we know about you to help us serve you better. We may use it, and disclose it to our affiliates and others, for any purpose allowed by law. For instance, we may use your information, and disclose it to others, in order to:
Help us evaluate your request for a product or service
Help us process claims and other transactions
Confirm or correct what we know about you
Help us prevent fraud, money laundering, terrorism and other crimes by verifying what we know about you
Help us comply with the law
When we disclose information to others to perform business services for us, they are required to take appropriate steps to protect this information. And they may use the information only for the purposes of performing those business services. Other reasons we may disclose what we know about you include:
Doing what a court or government agency requires us to do; for example, complying with a search warrant or subpoena
Buy auto insurance online
Telling another company what we know about you, if we are or may be selling all or any part of our business or merging with another company
Giving information to the government so that it can decide whether you may get benefits that it will have to pay for
Telling a group customer about its members' claims or cooperating in a group customer's audit of our service
Telling your health care provider about a medical problem that you have but may not be aware of
Giving your information to a peer review organization if you have health insurance with us
Giving your information to someone who has a legal interest in your insurance, such as someone who lent you money and holds a lien on your insurance or benefits
Generally, we will disclose only the information we consider reasonably necessary to disclose.
We may use what we know about you in order to offer you our other products and services. We may share your information with other companies to help us. Here are our other rules on using your information to market products and services:
We will not share information about you with any of our affiliates for use in marketing its products to you, unless we first notify you. You will then have an opportunity to tell us not to share your information by "opting out."
Before we share what we know about you with another financial services company to offer you products or services through a joint marketing arrangement, we will let you "opt-out."
We will not disclose information to unaffiliated companies for use in selling their products to you, except through such joint marketing arrangements.
We will not share your health information with any other company, even one of our affiliates, to permit it to market its products and services to you.
How You Can See and Correct Your Information: Generally, we will let you review what we know about you if you ask us in writing. (Because of its legal sensitivity, we will not show you anything that we learned in connection with a claim or lawsuit.) If the law allows us to do so, we may disclose what we know about your health only through your health care provider. If you tell us that what we know about you is incorrect, we will review it. If we agree with you, we will correct our records. If we do not agree with you, you may tell us in writing, and we will include your statement when we give your information to anyone outside MetLife.
AGIA Insurance Services, Inc.
A.G.I.A., Inc., is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. John Wigle California Agent license number is 0482924. John Wigle Arkansas Agent license number is 46424.
The AFT+ Supplemental Life Insurance, Dependent Life Insurance, and Supplemental Accidental Death and Dismemberment Insurance is underwritten by:
Metropolitan Life Insurance Company
200 Park Avenue, New York, NY 10166
Group Policy Number 119160-1G
You want to keep your personal information, well, personal. As the program administrator we understand this and we work hard to keep information about your use of this website safe. Protecting your privacy when you use this website is our way of ensuring your trust in the programs we offer.
Please review this privacy statement carefully to understand what information we collect on the website, how it is used, and how you can work with us if you have a concern about your privacy. Please note that this website is not designed for use by children nor does the website seek to collect information on children who may visit the site.
We may need to update our website privacy statement as legal requirements or business needs require. Any alterations to these principles will be posted here for your review.
The Information We Collect
When you visit this website, we collect and store non-identifying information about your visit. This information may include the time and length of your visit, the pages you look at on our site, and the site you visited just before coming to ours. We may also record the name of your Internet service provider. We use this aggregate information to measure site activity as well as to generate ideas for enhancing our website to serve you. This information is not specific to any individual and cannot be used to identify you.
To help enhance the user experience online, the site also uses "cookies" so users do not have to re-enter information as they navigate the website. A cookie is a small amount of data that is sent to your browser from a Web server and stored on your computer's hard drive. Cookies are used to help personalize the online experience for the user-based on the action you request. If you submit your date of birth and group affiliation, you receive information about your available group programs. We do not share this information with outside organizations.
There are also several opportunities on our website for you to voluntarily provide us with personal information about your particular group and specific care needs. For example, we will need personal information from you when you enroll in accident insurance, submit a question online, or request product information. This information includes your name, mailing address, e-mail address, current coverage, and other similar information. We use your voluntarily provided personal information to provide you exceptional customer service and to create a more meaningful visit for you at this website. In addition to the information you voluntarily provide us with, we may also receive other non-public, personal information about you from other agents, brokers, administrators, investigators, insurance-support agencies, legal counsel, consumer reporting agencies and government reporting agencies. Any information obtained from a report prepared by an insurance-support organization may be retained by the insurance-support organization and disclosed to other persons.
By providing us with personal information so we may assist you on this website, you are "opting-in" to receive future communication from the website concerning information on products, promotions, or other services that we believe would be of interest to you. If, at any time, you receive a communication from the website that is unrelated to a transaction you have initiated and you would like not be contacted again, please contact us using the procedures outlined below under "Questions About Your Information" to "opt-out" from future communications.
We reserve the right to use your personal information for market research purposes to better serve you but we will not sell your voluntarily provided information and will not share it with unauthorized persons or organizations.
How do we use your information?
We collect, store and process your personally identifiable information on servers located in the United States. We use the information we collect about you in order to provide our services, process your transactions, and provide customer service. We provide access to personally identifiable information about our customers only to those employees who require it to provide our services, process customer payments and provide customer service.
Disclosure to Third Parties
This website does not sell or rent any of your personally identifiable information to affiliates or unaffiliated third parties. We will not share any of your personally identifiable information with third parties except in the circumstances described below or with your permission.
We share personally identifiable information with third parties that help us process the transactions you request.
Certain federal, state and local laws or government regulations may require us to disclose non-public personal information about you. In these circumstances, we will use reasonable efforts to disclose only the information required by law, subpoena or court order to be disclosed.
We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).
Terms of Service
Please Read This Entire Agreement Carefully
You must agree to these Terms of Service ("Agreement") in order to enter into a transaction on this website. Please read this Agreement carefully.
The Program Administrator provides this website, (collectively "Website" or "Site") the materials and services to you as a user conditioned upon and subject to your acceptance of this Agreement. By using and/or accessing this site or its services, you acknowledge that you have read, understand, and agree to be legally bound by this agreement.
The following defined terms are used in these Terms of Services:
“Program Administrator” means the entity that is offering and providing services through this website (collectively “Program Administrator” or “Administrator” or “we” or “us”).
“Carrier” means the insurance products described on this site are underwritten by reputable, licensed Underwriting Carrier(s).
“Service Provider” means service products are offered by a variety of reputable, approved vendors and their affiliates.
"Payee" means the merchant or other entity to which you authorize a bill payment to be directed.
"Payee Account" means the billing account with the merchant or other entity to which you authorize a bill payment to be directed. It may be represented by an account number, policy number, access number or code, or other number used by the merchant to identify your account.
"Payment Instruction" means your instruction and authorization to the program administrator to make a bill payment to a payee.
"Payment Account" means the bank account that you authorize the program administrator to debit by electronic funds transfer when you make your bill payment using account information from your personal checking or savings account.
"Payment Card" means the credit card or debit card that you instruct your program administrator to charge to pay your bill payment.
"Business Day" means Monday through Friday, excluding Federal Reserve holidays.
When you initiate a Payment instruction, you authorize your program administrator to charge your payment card or debit your payment account and remit funds to the payee. If we are unable to obtain funds for a bill payment for any reason associated with your payment card or payment account (for example, there is not a sufficient balance available on your payment card or in your payment account to cover the transaction), then we will not be able to complete your bill payment transaction. If there is a problem in processing your payment instruction, the program administrator may attempt to contact you, using the telephone number you have provided.
If the program administrator makes a bill payment to your payee account but is unable to obtain funds for that payment from your payment card or payment account, you agree that your bill payment to your payee account will be reversed.
You agree that from time to time the payment services contemplated under this agreement may be inaccessible or inoperable for any reason, including, without limitation: (i) equipment malfunctions; (ii) periodic maintenance procedures or repairs which may be undertaken from time to time; or (iii) causes beyond the program administrators control or which are not reasonably foreseeable to the program administrator.
Our Liability for Failure to Complete Transactions
The program administrator will use commercially reasonable efforts to process your bill payments in accordance with your Payment Instructions. However, we shall incur no liability if a bill payment is not made in a timely manner or if it is unable to complete any payments initiated by you through the Bill Payment Service because of the existence of any one or more of the following circumstances:
Sufficient funds are not available through your payment account or your payment card;
Failure of any payee to account correctly for or credit the payment in a timely manner, or otherwise mishandle or delay the payment;
The bill Payment service is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;
You do not provide us with all required information to complete the bill payment, such as your correct name, telephone number, or your complete and correct payee account information; or
Circumstances over which the program administrator has no control including, but not limited to large-scale technical malfunctions, including, but not limited to loss of access to the internet or loss of access to the Federal Reserve System, prolonged outages of phone lines, electricity or similar infrastructure, acts of nature, war, riot, civil disobedience or similar events of insurrection, governmental or court orders, regulatory or legislative changes by any local, state or federal governmental agency, strikes, work stoppages, or other similar occurrences or circumstances.
LIMITATION OF LIABILITY AND YOUR EXCLUSIVE REMEDY
In the absence of any of the exclusions set forth above, it shall be the program administrator’s responsibility to correct any transactions not completed in accordance with your payment instructions. In the event that the program administrator is unable to correct the transaction, we shall refund the amount of funds received from you and this refund shall constitute your sole remedy. In no event shall the program administrator’s liability to you ever exceed the amount of funds that we receive from your payment account or payment card for a bill payment. THE FOREGOING SHALL CONSTITUTE THE PROGRAM ADMINISTRATOR'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. THE USE OF THIS PAYMENT SERVICE IS AT YOUR SOLE RISK. IN NO EVENT SHALL [PROGRAM ADMINISTRATOR] BE LIABLE FOR ANY OTHER LOSS, INJURY, OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF YOUR USE OF THE BILL PAYMENT SERVICE. EXCEPT AS OTHERWISE EXPLICITLY SET FORTH HEREIN, WE SPECIFICALLY DISCLAIM AND YOU UNDERSTAND THAT WE MAKE NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESSED OR IMPLIED AND THE SAME ARE HEREBY EXCLUDED FROM THESE TERMS AND CONDITIONS AND ALL TRANSACTIONS CONTEMPLATED HEREBY. SOME STATES PROHIBIT THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, THUS THIS LIMITATION OF LIABILITY MAY NOT APPLY TO YOU.
Student health insurance
User Authentication and Security
The Bill Payment Service has been designed in compliance with the Payment Card Industry (PCI) Data Security Standards so that no one can access your payment account without proper user authentication. If you use this site, you are responsible for maintaining the confidentiality of your personal information, including your Payment Account Number, and for restricting access to your computer, and you agree to accept responsibility for all activities you initiate or that you authorize to be initiated or that are authorized utilizing your payment account or from your computer. You are solely responsible for all bill payments you authorize using the Bill Payment Service. If you permit other persons to use the Bill Payment Service or your bill payment authentication responses or other means to initiate a payment instruction on your behalf, you are solely responsible for any transactions they authorize.
If you believe that your authentication information or other personal information have been lost or stolen or that someone may attempt to use the Bill Payment Service without your consent, you must notify us at once by calling the program administrator at (800) 424-5181 during normal customer service hours.
In case of errors or questions about your transactions, you need to contact us as soon as possible.
1. Telephone us at the program administrator (800) 424-5181 during normal customer service hours.
Transaction charges, if any, for using the Bill Payment Service may vary depending upon the Payee and permissible charges allowed in a particular state. These charges will be disclosed to you prior to your payment instruction. By submitting your payment instruction, you agree to pay these transaction charges. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the program administrator to charge your designated payment card or debit your payment account for these amounts and any additional charges that may be incurred by you. You are responsible for any and all fees and charges that you may incur.
These Terms of Services shall be governed by the laws of the state of California without regard to that state's conflicts of laws provisions and by applicable Federal laws and regulations.
No delay or omission by us in exercising any rights or remedies under these Terms of Services will impair such right or remedy or be construed as a waiver of any such right or remedy. If we exercise any right or remedy, in whole or in part, that exercise will not prevent us from any further or future exercise of such right or remedy or any other right or remedy. No waiver will be valid unless in writing signed by us.
Disclosures & Consent to Electronic Transactions / Electronic Signature
a. By entering this website and agreeing to be bound by this agreement, you are providing your affirmative consent to the use of an electronic signature to authenticate the insurance transaction in electronic form. You understand and agree that the insurance company will rely on your electronic signature to process and effect insurance transactions.
b. You acknowledge that you understand that you are not obligated to enter into transactions electronically and that you have a right to conduct transactions in paper format if you wish. By entering this website and agreeing to be bound by this agreement, you affirmatively consent to conduct transactions in electronic form. If you wish to conduct transactions in paper form, please contact your association/policyholder or its representatives. There is no charge to you for requesting a paper transaction.
c. When you have successfully entered your enrollment information and have selected “I Accept” on the website confirmation page, you will be given the opportunity to print a paper copy of your insurance or service elections free of charge. Please print a paper copy of your elections for your records because if you will not be able to access your enrollment information on the site after your enrollment. If you wish to confirm or make changes to your coverage or beneficiary elections after your enrollment, you must contact the Program Administrator Office of Administration. You understand and agree that requests for change submitted to the carrier, service provider, or the Site will not be valid or take legal effect after the end of your enrollment.
d. Once you have given consent for an electronic transaction, you may withdraw your consent only if the carrier or service provider has not taken action in reliance on your consent. To update your contact information or to withdraw your consent to an electronic transaction, you may contact your Administrator by calling (800) 424-5181 or by writing to the Office of Administration, PO Box 26450, Phoenix AZ 85068. There is no fee charged for such requests. However, your withdrawal of consent shall not diminish the legal effectiveness or enforcement of any transaction agreed to prior to your withdrawal of consent. If you withdraw consent after your enrollment, your insurance or service will remain effective until your request for cancellation is received by the program administrator policyholder or its representative.
e. You agree that your electronic signature authorizes The Underwriting Carrier(s), Service Provider(s) or its authorized representatives:
1. to process this transaction at your request and any future transactions that may be needed to administer and help keep in force your coverage under the insurance policy or service agreement. For example, we will rely on your electronic signature to authorize us to process your request for service, insurance coverage(s) and beneficiary designation(s) made during your enrollment.
i. to process, as applicable:
2. a billing transaction, including but not limited to: processing a payment by credit card using the credit card number you have provided; processing an electronic bank draft using the checking account number you have provided; or sending you a billing statement at the address you have provided; or
ii. a billing transaction with your financial institution to deduct the appropriate amount from your account.
3. to communicate with you by mail, telephone or electronically by sending to you communications including, but not limited to, any and all types of electronic communication by email, fax, mail and telephone.
4. After you enroll, you understand and agree that you will not have access to your electronic enrollment record. You may print a confirmation of your enrollment election at the time of enrollment, or you may contact your Administrator for confirmation after your enrollment period ends.
You represent and warrant to the program administrator that: (a) you are over the age of eighteen (18) and have the power and authority to enter into and perform your obligations under this agreement; (b) all information provided by you to the program administrator is truthful, accurate and complete; (c) you are the authorized signatory of the credit or charge card provided to pay fees contemplated herein; (d) you shall comply with all of the terms and conditions of this agreement; and (e) you have provided and will continue to provide accurate and complete registration information, including, without limitation, your legal name, address and telephone number.
The program administrator provides information and services on this Website, and all layouts, materials, designs, and images on this Website are copyrighted or proprietary to the particular program administrator, its affiliated companies and/or third-party service providers. As a condition of your use of this Website and the services, you agree that you will not use the contents of this Website in any other website or in a network computer environment. All uses of this website apart from educational, informational and enrollment purposes are strictly prohibited.
You understand and agree that neither the carrier, nor the service provider, nor the program administrator is engaged in rendering legal, tax, insurance benefits or any other advice through this website or services. Your insurance needs are highly individual, and the carrier, the service provider and the program administrator do not represent themselves as giving financial advice or advice on your individual insurance needs through this website and services. You understand and agree that you should consult your own attorney and financial advisor(s) for advice in these areas.
You understand and agree that the information on the carrier’s insurance products or the service provider products as described in this website is not complete and does not change or affect the insurance policies or service agreements as actually issued. Although you have been provided with a description of benefits, you understand for insurance products, that only the insurance policy issued to the policyholder (your association) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your insurance coverage. In the event of any difference between the information on the website and services, the benefit highlights, and the insurance policy, the terms of the insurance policy apply.
For insurance products, you understand and agree that insurance will not be valid or in force with respect to you or your dependents if any such person is not eligible in accordance with the terms of the program administrator policy issued to your association/policyholder. You acknowledge and agree that if program administrator participation requirements are not met, the insurance policy will not be issued and the elected coverage(s) will not be in force.
You understand that this website and the payment services contemplated hereunder may be performed by third-party vendors.
If any provision of this agreement is determined to be illegal or unenforceable, then such provision will be enforced to the maximum extent permissible and the other provisions will remain fully effective and enforceable.
We reserve the right to change or supplement this Terms of Service Agreement at any time by posting the changes on this web site. By using this web site, you accept the terms and conditions of this Terms of Service Agreement and you agree to review this Terms of Service Agreement from time to time to stay informed of changes that may occur. This Terms of Service Agreement also applies to personal information that we maintain on former customers.