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Senior Term Life Insurance

Fill The Holes In Your
Family Safety Net

Your life insurance needs don't
disappear just because you get older.

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Senior Term Life Insurance

The Senior LifePLUS Plan was setup to help reinforce your family's financial cushion--at a time when too many plans are starting to cut back on benefits or eliminating coverage all together.

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Senior Term Life Insurance

Overview

An Easy Way To Add Extra Life Coverage

You can now quickly and conveniently boost your or your spouse’s life coverage by up to $25,000.00 with the Senior LifePLUS Plan..

This benefit program is an ideal opportunity

  • To supplement any existing insurance you may have...
  • To reinforce a safety net that's diminished in value because of inflation as you got older...
  • To add important extra coverage to help pay off a mortgage, medical bills, or final expenses.

In a nutshell, the VFW Senior LifePLUS Plan is an easy way to help fill a critical money gap for your loved ones-- with extra life insurance benefits sent straight to your loved ones just when they need it most.

You Cannot Be Turned Down

Plus, as a VFW member between the ages of 50 and 80, you and your spouse are GUARANTEED ACCEPTANCE in this important plan. No medical exam is required. No health questions will be asked.

Benefits

Guaranteed Acceptance--With NO Health Questions Asked

If you're like many VFW members, you may already have some life insurance. But if you haven't updated it lately, inflation and added responsibilities may mean your family's financial safety net just isn't enough.

That's where VFW Senior LifePLUS Plan comes in. Senior LifePLUS gives you an easy option to add $5,000.00 … $10,000.00 … $15,000.00 … or $25,000.00 in term life benefits to any coverage you may already have (up to $25,000.000).

Here's how Senior LifePLUS works:If your death is caused by something other than a covered accident during your first two years of coverage, your loved ones will collect 125% of the annual premium for the first year and 250% of the annual premium for the second year.

Also, you lock in accident benefits for any covered fatal accident that occurs during the first two years of coverage.

Then after you've been covered for two full years, Senior LifePLUS kicks in full benefits for any cause of death. You can rest assured your coverage amount will never decrease — regardless of any changes to your health.

Enroll Today For The Lowest Pre-Birthday Rate

As an added bonus, your Senior LifePLUS rates are tied to your age on the date your benefits start. That means when you enroll now – before you turn another year older – you're guaranteed the rate that corresponds to your current age.

Plus, your price will NOT automatically increase as you get older. You cannot be singled out for an individual rate increase. Your rates may change if they are changed for all others in the same class.

Coverage provides a limited benefit within the first two policy years.

Rates

Lock in Lowest Pre-Birthday Rate

The VFW set up the Senior LifePLUS Plan as an extra-value safety net for older Americans. Sign up now — before you turn another year older.

Monthly Senior Term Life Rates
  $5,000 $10,000 $15,000 $20,000 $25,000
Age Male Female Male Female Male Female Male Female Male Female
50 $12.82 $10.55 $25.64 $21.11 $38.46 $31.66 $51.28 $42.21 $64.10 $52.77
51 $14.06 $11.50 $28.12 $23.00 $42.18 $34.50 $56.24 $46.00 $70.30 $57.50
52 $15.41 $12.50 $30.82 $25.00 $46.23 $37.50 $61.64 $50.00 $77.05 $62.50
53 $16.86 $13.56 $33.71 $27.12 $50.57 $40.69 $67.42 $54.25 $84.28 $67.81
54 $18.38 $14.69 $36.76 $29.37 $55.14 $44.06 $73.52 $58.74 $91.89 $73.43
55 $19.35 $15.36 $38.70 $30.71 $58.05 $46.07 $77.40 $61.43 $96.76 $76.78
56 $20.36 $16.04 $40.71 $32.09 $61.07 $48.13 $81.43 $64.17 $101.78 $80.22
57 $21.47 $16.75 $42.94 $33.51 $64.41 $50.26 $85.89 $67.02 $107.36 $83.77
58 $22.70 $17.50 $45.39 $34.99 $68.09 $52.49 $90.78 $69.98 $113.48 $87.48
59 $24.01 $18.27 $48.02 $36.54 $72.02 $54.81 $96.03 $73.08 $120.04 $91.35
60 $25.38 $19.09 $50.76 $38.18 $76.13 $57.28 $101.51 $76.37 $126.89 $95.46
61 $26.77 $19.96 $53.54 $39.92 $80.31 $59.88 $107.08 $79.83 $133.86 $99.79
62 $28.16 $20.88 $56.32 $41.77 $84.48 $62.65 $112.64 $83.54 $140.80 $104.42
63 $29.55 $21.88 $59.10 $43.75 $88.66 $65.63 $118.21 $87.50 $147.76 $109.38
64 $30.97 $22.94 $61.94 $45.87 $92.91 $68.81 $123.87 $91.75 $154.84 $114.68
65 $32.44 $24.07 $64.89 $48.14 $97.33 $72.21 $129.78 $96.28 $162.22 $120.36
66 $34.02 $25.28 $68.04 $50.57 $102.07 $75.85 $136.09 $101.14 $170.11 $126.42
67 $35.73 $26.58 $71.45 $53.15 $107.18 $79.73 $142.91 $106.30 $178.63 $132.88
68 $37.61 $27.95 $75.22 $55.91 $112.83 $83.86 $150.44 $111.81 $188.05 $139.76
69 $39.63 $29.41 $79.27 $58.81 $118.90 $88.22 $158.54 $117.62 $198.17 $147.03
70 $41.82 $30.93 $83.64 $61.85 $125.46 $92.78 $167.29 $123.71 $209.11 $154.64
71 $44.05 $32.51 $88.10 $65.03 $132.15 $97.54 $176.20 $130.05 $220.25 $162.57
72 $46.36 $34.16 $92.72 $68.32 $139.07 $102.48 $185.43 $136.65 $231.79 $170.81
73 $48.80 $35.87 $97.60 $71.73 $146.40 $107.60 $195.20 $143.46 $244.00 $179.33
74 $51.35 $37.63 $102.71 $75.27 $154.06 $112.90 $205.42 $150.53 $256.77 $188.16
75 $53.01 $38.71 $106.01 $77.43 $159.02 $116.14 $212.03 $154.85 $265.04 $193.57
76 $54.74 $39.85 $109.49 $79.71 $164.23 $119.56 $218.98 $159.42 $273.72 $199.27
77 $56.48 $41.05 $112.95 $82.10 $169.43 $123.16 $225.91 $164.21 $282.38 $205.26
78 $58.12 $42.31 $116.23 $84.63 $174.35 $126.94 $232.47 $169.25 $290.58 $211.56
79 $59.63 $43.62 $119.25 $87.23 $178.88 $130.85 $238.51 $174.47 $298.13 $218.09
80 $60.87 $44.72 $121.74 $89.44 $182.60 $134.15 $243.47 $178.87 $304.34 $223.59
IMPORTANT: Spouse benefit amount cannot be greater than member's.
Monthly Senior Term Life Male Rates
Age $5,000 $10,000 $15,000 $20,000 $25,000
50 $12.82 $25.64 $38.46 $51.28 $64.10
51 $14.06 $28.12 $42.18 $56.24 $70.30
52 $15.41 $30.82 $46.23 $61.64 $77.05
53 $16.86 $33.71 $50.57 $67.42 $84.28
54 $18.38 $36.76 $55.14 $73.52 $91.89
55 $19.35 $38.70 $58.05 $77.40 $96.76
56 $20.36 $40.71 $61.07 $81.43 $101.78
57 $21.47 $42.94 $64.41 $85.89 $107.36
58 $22.70 $45.39 $68.09 $90.78 $113.48
59 $24.01 $48.02 $72.02 $96.03 $120.04
60 $25.38 $50.76 $76.13 $101.51 $126.89
61 $26.77 $53.54 $80.31 $107.08 $133.86
62 $28.16 $56.32 $84.48 $112.84 $140.80
63 $29.55 $59.10 $88.66 $118.21 $147.76
64 $30.97 $61.94 $92.91 $123.87 $154.84
65 $32.44 $64.89 $97.33 $129.78 $162.22
66 $34.02 $68.04 $102.07 $136.09 $170.11
67 $35.73 $71.45 $107.18 $142.91 $178.63
68 $37.61 $75.22 $112.83 $150.44 $188.05
69 $39.63 $79.29 $118.90 $158.54 $198.17
70 $41.82 $83.64 $125.46 $167.29 $209.11
71 $44.05 $88.10 $132.15 $176.20 $220.25
72 $46.36 $92.72 $139.07 $185.43 $231.79
73 $48.80 $97.60 $146.40 $195.20 $244.00
74 $51.35 $102.71 $154.06 $205.42 $256.77
75 $53.01 $106.01 $159.02 $212.03 $265.04
76 $54.74 $109.49 $164.23 $218.98 $273.72
77 $56.48 $112.95 $169.43 $225.91 $282.38
78 $58.12 $116.23 $174.35 $232.47 $290.58
79 $59.63 $119.25 $178.88 $238.51 $298.13
80 $60.87 $121.74 $182.60 $243.47 $304.34
IMPORTANT: Spouse benefit amount cannot be greater than member's.
Monthly Senior Term Life Female Rates
Age $5,000 $10,000 $15,000 $20,000 $25,000
50 $10.55 $21.11 $31.66 $42.21 $52.77
51 $11.50 $23.00 $34.50 $46.00 $57.50
52 $12.50 $25.00 $37.50 $50.00 $62.50
53 $13.56 $27.12 $40.69 $54.25 $67.81
54 $14.69 $29.37 $44.06 $58.74 $73.43
55 $15.36 $30.71 $46.07 $61.43 $76.78
56 $16.04 $32.09 $48.13 $64.17 $80.22
57 $16.75 $33.51 $50.26 $67.02 $83.77
58 $17.50 $34.99 $52.49 $69.98 $87.48
59 $18.27 $36.54 $54.81 $73.08 $91.35
60 $19.09 $38.18 $57.28 $76.37 $95.46
61 $19.96 $39.92 $59.88 $79.83 $99.79
62 $20.88 $41.77 $62.65 $83.54 $104.42
63 $21.88 $43.75 $65.63 $87.50 $109.38
64 $22.94 $45.87 $68.81 $91.75 $114.68
65 $24.07 $48.14 $72.21 $96.28 $120.36
66 $25.28 $50.57 $75.85 $101.14 $126.42
67 $26.58 $53.15 $79.73 $106.30 $132.88
68 $27.95 $55.91 $83.86 $111.81 $139.76
69 $29.41 $58.81 $88.22 $117.62 $147.03
70 $30.93 $61.85 $92.78 $123.71 $154.64
71 $32.51 $65.03 $97.54 $130.05 $162.57
72 $34.16 $68.32 $102.48 $136.65 $170.81
73 $35.87 $71.73 $107.60 $143.46 $179.33
74 $37.63 $75.27 $112.90 $150.53 $188.16
75 $38.71 $77.43 $116.14 $154.85 $193.57
76 $39.85 $79.71 $119.56 $159.42 $199.27
77 $41.05 $82.10 $123.16 $164.21 $205.26
78 $42.31 $84.63 $126.94 $169.25 $211.56
79 $43.62 $87.23 $130.85 $174.47 $218.09
80 $44.72 $89.44 $134.15 $178.87 $223.59
IMPORTANT: Spouse benefit amount cannot be greater than member's.

Monthly rates shown. Rates will include a $3.00 administrative fee if paying by direct bill, a $2.00 administrative fee if paying by credit card, or a $1.00 administrative fee if paying by automatic checking withdrawal. Rates are based on your age when coverage starts. As a result, your rates will not increase automatically as you grow older. You cannot be singled out for an individual rate increase. Your rates may change if they are changed for all others in the same class.

FAQs

Why did the VFW set up this program?

As you know as you grow older, all you may need is a little additional coverage. That’s why the VFW put together this plan for its members. It all adds up to a reliable safety net to help you add to your family's financial protection — to minimize the impact of benefit cutbacks in other coverage — or simply to combat the bite inflation has taken out of life insurance set up years ago.

I've had some health problems. Can I be turned down for Senior LifePLUS?

No. As long as you're a VFW member between the ages of 50 and 80, you're guaranteed the right to activate this coverage. No medical exam is required. No health questions will be asked.

I'm on a tight budget. Won't adding extra life insurance at my age be expensive?

Not with the VFW Senior LifePLUS Plan. You have two special advantages with the Senior LifePLUS:

  1. You get GROUP coverage. That means the rates could be lower than coverage you might set up on your own or through the Internet.
  2. The program was setup specifically for older Members.

Terms

Choice of Beneficiary

The benefits payable at your death will be paid according to the beneficiary you designate on your Enrollment Form unless you change your beneficiary in writing at a later date. If no beneficiary designation has been made, the benefits payable at your death will be paid to the survivors, in equal shares, in the first of the following classes to have a survivor at your death: your spouse, your children, your parents and siblings. If there is no survivor in these classes, payment will be made to your estate. The member is automatically the beneficiary for spouse coverage.

Accidental Death Exclusions

In addition to any benefit-specific exclusions, benefits will not be paid for any Injury or Loss which, directly or indirectly, in whole or in part, is caused by or results from any of the following: intentionally self-inflicted injury, suicide or any attempt threat while sane or insane; declared or undeclared war or act of war; military or combat activities while serving in the armed forces, National Guard, or organized reserve corps in any state, country, or international authority; sickness, disease, bodily or mental infirmity or medical or surgical treatment thereof, or bacterial or viral infection, regardless of how contracted. This does not include bacterial infection that is the natural and foreseeable result of an accidental external bodily injury or accidental food poisoning; flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth’s surface: a. except as a fare paying passenger on a regularly scheduled commercial airline; b. being flown by the Covered Person or in which the Covered Person is a member of the crew c. being used for: i. crop dusting, spraying or seeding, giving and receiving flying instruction, firefighting, sky writing, sky diving or hang-gliding, pipeline or power line inspection, aerial photography or exploration, racing, endurance tests, stunt or acrobatic flying; or ii. any operation that requires a special permit from the FAA, even if it is granted (this does not apply if the permit is required only because of the territory flown over or landed on); d. designed for flight above or beyond the earth’s atmosphere; e. an ultra-light or glider; f. being used for the purpose of parachuting or skydiving; g. being used by any military authority, except an Aircraft used by the Air Mobility Command or its foreign equivalent; the Covered Person’s intoxication as determined according to the laws of the jurisdiction in which the accident occurred; voluntary ingestion of any narcotic, drug, poison, gas or fumes; driving while intoxicated or driving under the influence of a controlled substance; riding or driving as a professional in any kind of race for prize money or profit.

Life Exclusions

No benefit is payable in the event of suicide that occurs within the first two years after the insured’s effective date of coverage (one year in North Dakota and Colorado). In the event of a suicide, a refund of premiums will be paid.

These materials provide a brief description of the benefits available. Complete details may be found in the Group Policy 9800/9801/9802, under policy form series 17-50985 or the state variation thereof. Some provisions, benefits, exclusions or limitations may vary depending on your state of residence.

Limited Benefit

A life insurance benefit is not payable in the first two years of your coverage. Benefits payable during the first two years of coverage are limited to deaths due to a covered accident.

 

Offered by:

Association Group Insurance Administrators

Administered by:

A.G.I.A., Inc.
P.O. Box 26610, Phoenix, AZ. 85068

 

Underwritten by: Securian Life Insurance Company St. Paul, MN 55101

Better Business Bureau Logo‚Äč

 

Master policy 9800/9801/9802, under policy series 17-50985 or state variation thereof.

Questions? Call toll-free 1-877-850-0183

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No Risk

TAKE A CLOSER LOOK AT NO RISK

Submitting your Enrollment Form places you under NO obligation today.

As soon as your coverage is approved, we'll mail your Certificate of Insurance/Policy outlining the full terms and conditions of this VFW program. Take up to 30 days to look it over. If it wasn't what you had in mind, just mail back the Certificate. You won't owe a single penny. You will receive a full refund of any premium paid.

REINFORCE YOUR FAMILY'S FINANCIAL CUSHION WITH EXTRA LIFE BENEFITS

Everything you need to request coverage in the VFW Senior LifePLUS Plan is included on this website. Simply download the Enrollment Form and mail it in to get things started.

Your Senior LifePLUS term life benefits start on the first of the month after your coverage has been approved and first premium payment is received by the plan administrator. Plus, once your coverage is activated, you can rest assured your protection can stay in force until you reach age 90. Your coverage cannot be cancelled due to any changes in your health. Your Senior LifePLUS coverage will continue as long as premiums are paid when due, you remain a VFW member and the group policy remains in force.