Life Insurance // 20-Year Term Details
Our Plan Eligibility
 

Full-time, part-time, or retired federal employees under age 55 who reside in the United States may apply. The lawful (not legally separated) spouse under age 55 of an individual meeting the criteria directly above may apply for coverage in their own right.

Get protected with a 20-year Term Starr Wright USA Federal Life Insurance Policy by downloading, complete, sign, and return the application to a plan administrator. Need more information, feel free to contact us at 1.800.424.9801 or email us at support@wrightusa.com


Download Application PDF

Plan Highlights & Rates

 
  • Starr Wright USA’s 20-Year Level Group Term Plan provides coverage to help with financial burdens and security beyond your government-provided coverage.
  • Affordable rates are designed to remain level for 20 years*.
  • Benefit amounts available for eligible applicants are from $100,000 to $1,000,000 in $25,000 increments.
  • Total combined coverage for each insured person under the Starr Wright USA Group Term Life Insurance Plan is $1,000,000.
  • The plan helps ensure funding for your children’s education, resolution of final debts, and collateral for bank loans.
  • Coverage is available for your children.
  • Benefits are payable regardless of any other insurance carried.
  • Current/retired federal employees and or their spouses can take their coverage with them if they leave their current job(s) or move.

Fully Underwritten Applications

 
 

What is a Fully Underwritten application process?

A Fully Underwritten application process is where coverage is subject to underwriting approval by the insurer, and medical information may be requested from you or from your attending physician(s). A physical exam, EKG, blood test, or other information may also be required. These requirements will be at no cost to you and acceptance into the life plan is not guaranteed.

Fully Underwritten Plan Calculator

Starr Wright USA's affordable 20-Year Level Group Term Life Rates are based on current age, gender, and health. You may calculate your annual premium using the form below. Please Note: This calculator aims to provide an estimate of the annual premium you would pay for this insurance. While we strive to make the calculator as accurate as possible, we cannot guarantee its accuracy in all cases and instances. Using it does not guarantee your insurability.

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Coverage Amount

Age

Gender

Tobacco User

 

Get protected with Starr Wright USA today!
To get started, download and complete your application.

Think you might need a different policy term?

Starr Wright offers different term life insurance policies. Click the learn more button below for more details.

10yr Life Insurance Icon
10-Year Life Term
This federal employee life insurance plan provides retired, part-time, and full-time federal employees under the age of 65 with benefit amounts of $100,000 to $1 million in $25,000 increments. As rates depend on your age, gender, and health, our federal employee life insurance calculator can provide you with an estimate for your premiums.
10yr Life Insurance Icon
Our Senior Term
Our Senior Term plan provides supplemental group life insurance coverage for federal employees between 50 and 74 years of age. This federal employee life insurance plan does not feature a termination date unless your insurance premium payments stop. For coverage, three amounts are available — $10,000, $20,000 and $50,000.

Questions about our 20-year Life Insurance Policy?

Below are some of our most frequently asked questions, or you can call us at 1.800.424.9801 for more information.
Additional Features
 
 
  • Accelerated Life Benefit (ALB)  Helps terminally ill insureds during a difficult and often financially challenging time. The ALB provides the option to have a portion (up to 50%) of your life insurance benefit paid to you while still alive. This money can be used to help cover prescription drug costs, medical bills, outstanding debts, experimental treatments, the cost of modifications to your home, or anything else you choose. To qualify, an individual must be diagnosed as having a life expectancy of 12 months or less. Complete details are in the Certificate of Insurance. Receipt of the accelerated benefit may be taxable, or may adversely affect your eligibility for Medicaid or other government benefits. You should consult your personal tax advisor to assess the impact of this benefit.
  • Conversion Privilege  You may convert your coverage to an individual whole life policy offered by ReliaStar Life, regardless of physical condition or medical history, under the conditions stated in your Certificate of Insurance.
  • Beneficiary  You can name anyone you wish as your beneficiary(ies). That person will receive all the proceeds of your coverage in the event of your death. It could be a family member or a close friend. You can change your beneficiary at any time, by written request.
  • Incontestability  The validity of any amount of insurance which has been in force for two years during the insured's life will not be contested except for non-payment of premium.
  • Certificate of Insurance  The information provided here is only a brief description of the principle provisions and features of the plan. The complete terms and conditions are set forth in the certificate of insurance, under group policy GL-67182-7. A certificate will be sent to you upon approval of your insurance by the insurer. This group policy is issued by ReliaStar Life Insurance Company to the Civil Service Employee Benefit Association on Policy Form LP00GP.
  • 30-Day Free LookWhen you receive your Certificate of Insurance, read it carefully. If you're not completely satisfied with the terms of your new insurance plan, and no claims have been submitted or paid, simply return your certificate within 30 days and any premium paid will be refunded. No questions asked.
  • Funeral Planning** Starr Wright USA insureds have access to Funeral Planning & Concierge Services. These services provide an opportunity to discuss and obtain information from independent experts. These professionals can assist in funeral planning for insureds and eligible family members. Click here for details.
  • Voya Travel Assistance***Voya Travel Assistance offers eligible Starr Wright USA insureds and their spouses four types of services when they are traveling more than 100 miles from home (domestically or internationally): Emergency Transportation Services, Medical Assistance Services, Emergency Personal Services, and Pre-Trip Information. Click here for details.
Additional Information
 
 
 
 

The Civil Service Employee Benefit Association (CSEBA) is the group policyholder of this insurance program. CSEBA makes available voluntary risk management products and services, other voluntary benefits, and educational services to current and former federal employees. Starr Wright USA acts as the program administrator for CSEBA.

Right to change benefits, rates or terminate the plan:

Changes to the group policy are subject to agreement between the group policyholder (CSEBA) and ReliaStar Life Insurance Company. CSEBA or ReliaStar Life may terminate the plan on any premium due date with advance notice. If the plan is terminated by CSEBA or ReliaStar Life, at least 30 days advance notice will be provided to the individual insured member(s). For level term coverage, the initial premium will not change for the first 20 years unless the insurance company exercises its right to change premium rates for all insureds covered under the group policy with 60 days advance written notice.

Exclusions: A death benefit will not be paid due to death as a result of suicide (while sane or insane) within 2 years of the date insurance or increase of insurance coverage starts. The Accelerated Life Benefit is subject to additional exclusions.

Plan Administrator:

Starr Wright USA
Plan Administrator
6110 Parkland Boulevard
Cleveland, Ohio 44124-4187
P: 877-966-3690
F: 440-646-9339
E: wrightusa@selmanco.com

Group Term Life Insurance Underwritten by:

ReliaStar Life Insurance Company
Minneapolis, MN


Important Notice:

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of coverage. All coverage is subject to the terms of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern.

*The initial premium will not change for the first 20 years unless the insurance company exercises its right to change premium rates for all insureds covered under the group policy with 60 days advance written notice.

**Funeral Planning and Concierge Services provided by Everest Package, LLC, Houston, TX.

***Voya Travel Assistance Services are provided by Europ Assistance USA, Bethesda, MD.

Group Term Life Insurance underwritten by ReliaStar Life Insurance Company, a member of the Voya® family of companies. Home and Administrative Offices: Minneapolis, Minnesota. Policy form LP00GP. Product availability and provisions may vary by state. The group policy is sitused in the District of Columbia and is governed by its laws.

How much coverage do I need?
 
 
Starr Wright USA enables you to determine how much life insurance coverage you need by using this Life Insurance Needs Calculator.
How does this coverage differ from federal life insurance?
 
Coverage differs in several ways. With our policy, your rates are fixed. You may elect more coverage at any time – not just at “significant life events,” and your coverage remains active even if you leave federal service.
When will my coverage become effective?
 
Insurance will take effect on the first day of the month on or following the date your coverage is approved by ReliaStar Life, provided the initial premium is paid within 31 days.
When will my coverage end?
Coverage will end on the earliest of: the anniversary date on or after the insured person reaches age 75, or when you fail to make payment of premiums when due; you request for such insurance to end; or if the group policy is terminated. For members or spouses who are under age 70 at the end of a level term period, coverage will not reduce. For members or spouses who reach age 70 while coverage is still in force but the level term period has expired, your insurance will reduce to the lesser of 50% or $250,000.
How often are premiums renewed?
Premiums remain level for an initial 20-year period. The initial premium will not change for the first 20 years unless the insurance company exercises its right to change premium rates for all insureds covered under the group policy with 60 days advance written notice. At the end of the 20-year period, coverage will automatically renew without evidence of insurability to group term life insurance with 5 year age banded rates. Renewal premiums are not guaranteed and will be based on your then attained age and will increase as you age. However, if you are under age 55 you may apply for a subsequent 20-year period at a level rate based on your then attained age, subject to submission of satisfactory medical evidence to the insurer.
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