The following highlights can help you decide if Life to 95  is right for you:

  • Lots of choices. Insurance amounts from $20,000 to $100,000.
  • Great rates. Compare very favorably with other plans.
  • Automatic premium payment option – straight from your bank account with no surcharge.
  • Underwritten by New York Life Insurance Company.


SMRU#: 1757835

Women and Life Insurance

Women are busy. So busy, in fact, that they may not stop to plan for their future. As economic contributors, caregivers of children and elderly parents, and household managers, women shoulder a large share of family responsibilities.

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Life to 95 Brochure and rates

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New York Life Insurance Company is the largest mutual life-insurance company in the United States, and one of the largest life insurers in the world. New York Life remains one of only two life insurers with the highest financial strength ratings currently awarded by all four of the major rating agencies, out of 800 life insurers operating in the United States today.

Rating Service: A.M. Best Moody’s Standard & Poors Fitch Ratings
Rating:* A++
(highest quality)
(very strong)
(exceptionally strong)

*Individual independent rating agency commentary as of 11/1/18

Insurance is underwritten by New York Life Insurance Company (NAIC 66915), 51 Madison Avenue, New York, NY 10010 on Policy Form GMR-FACE/G-30790-0 (previously G-16000-95) to the Collegiate Alumni Trust. New York Life Insurance Company is domiciled in the State of New York and is licensed to do business in the 50 United States, the District of Columbia, Puerto Rico, and Canada. Information sent will include details of coverage, including exclusions and renewability. Eligibility is limited; to learn more, click here. For a list of licensed agents, click here.
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All States

Life to 95 is not available in the following states:
Beneficiary designation / change form


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.

  • Minimum: $20,000.
  • 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 plan, click here, call 800-635-7801 or email

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

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

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

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.

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.

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 and an 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.

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 $6, 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.

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.

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.

***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.


If you need a quote or an application or simply have questions, call 800-635-7801 or email Trained customer service representatives will be happy to provide the information you need. And naturally you’ll be under no obligation.

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