Life to 95®

Group Life Insurance through your alma mater can provide the financial protection your family needs. Protect the people you love.

Life to 95  is group life insurance that you can begin as early as age 50 and continue to age 95.  This is term life insurance, which, because of its low cost relative to other types of life insurance, continues to be a popular life insurance choice.*

*, July, 2023.

Highlights of Life to 95 include:

  • Lots of choices. Insurance amounts from $10,000 to $100,000.
  • Exclusive rates. Specially negotiated for alumni and their families.
  • Automatic premium payment option – straight from your bank account with no surcharge.
  • Underwritten by New York Life Insurance Company.


SMRU#: #1897562

Frequently Asked Questions

Who may apply?

Alumni/ae and their spouses and domestic partners may apply. Each must be at least age 50 but under 76 when applying and have a permanent home address in the United States. Your spouse or domestic partner may apply—even if you do not.

Life to 95 is not available in the following states: AK, FL, LA, ME, MS, MT, NY, NC, OH, OR, SD, TX, UT, VT, WA

How much insurance is offered?

  • Minimum: $10,000.
  • Maximum: $100,000. In $1,000 increments.

At age 75 your insurance amount reduces by 50% to a maximum of $20,000. If you become insured at age 75, your maximum coverage is $20,000.
If you decide that you need more than $100,000 maximum of this Life to 95 insurance, click here, call 206-844-9595 or email

How can my insurance be increased?

You may apply for more insurance at any time while you are under age 76, subject to the plan maximum.

How can my insurance be reduced?

You may reduce your insurance through a simple signed request. Your coverage and premium are then reduced accordingly. Your insurance concludes at age 95.

What is not covered?

Death by suicide within the first two years is the only exclusion.

What is a "Living Benefit"?

A Living Benefit is designed to help a terminally ill patient during a difficult and often financially draining time. A person under age 70, insured for at least 30 days* and diagnosed with a life expectancy of 24 months or less, may request that up to 50% of the insurance amount be paid while he or she is still living. The remainder continues as life insurance.**

*No waiting period for an accident.
** A Living Benefit payment is not taxable under current U.S. federal law. However, receipt of Living Benefits (technically “Accelerated Death Benefits”) may affect eligibility for public assistance programs, so you should consult an advisor.

What are the premiums?

Your premium is based on your sex and age when coverage begins, and it increases as you enter each new five-year age bracket. For complete premium charts, click here.

How do I apply?

Determine how much insurance you need. The Life to 95  plan offers coverage amounts between $10,000 and $100,000, in $1,000 increments. If you seek more than $100,000 in coverage, call 800-635-7801, or email

Request a free quote. You may apply online or download a paper application for yourself or your spouse or domestic partner.

Send no money now. If your application is approved and you pay your first premium, you receive a Certificate with the details of your coverage. If you are not fully satisfied, simply return your Certificate within 30 days for a full refund.

What are my payment options?

Monthly automatic withdrawal from your bank. You do not write checks or worry about paying late. There is no processing fee for this convenience.

Semiannual bills payable by check. Semiannual premiums are six times monthly premiums. A fee of $8, subject to change, is added to each bill. To continue insurance, premiums must be paid on time. Therefore, monthly automatic withdrawal is recommended, but you can change your choice if you change your mind.

How is my application evaluated?

Acceptance is based on your current health, your health history, and other information you provide on your application. A physical examination is not routinely required, but when needed, it is conducted by a medical professional who visits at your convenience—usually at your home or business—at no cost to you. If more medical information is needed, it is requested from you or your medical providers.

When does my insurance begin and end?

Coverage (and any increase) usually begins on the day your application is approved if you are able to perform normal activities.*** If you receive approval, you may request a different effective date, such as when existing insurance ends or a new financial obligation begins. This term insurance continues to age 95 unless premiums are not paid on time or the policy ends. When this insurance concludes at age 95, regardless of your health, you may convert your coverage to an individual life insurance policy that does not pay dividends.

***This means you must be able to perform the normal activities of a person of like sex and age with like occupation or retired status. If not, insurance begins on the day normal activities begin.


Life to 95 Application


Life to 95 is not available in the following states: AK, FL, LA, ME, MS, MT, NY, NC, OH, OR, SD, TX, UT, VT, WA


Term Life Insurance: Your Most Asked Questions Answered


Life to 95 Brochure and Rates


Life to 95 Application





New York Life is the Largest Mutual Insurer in the U.S.1 and has received the highest financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit rating agencies: A.M. Best (A++), Fitch Ratings (AAA), Standard & Poor’s (AA+) and Moody’s Investors Service (Aaa).2

1 Based on revenue as reported by “Fortune 500 ranked within Industries, Insurance: Life, Health (Mutual),” Fortune magazine, 6/5/23. For methodology, please see
2 Source: Third Party Rating Reports (as of 10/18/22).


If you need a quote or an application or simply have questions, call 206-844-9595, or email Trained customer service representatives will be happy to provide the information you need. And naturally you’ll be under no obligation.

For license information, please click here.

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