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NEW! Critical Illness

Current Schedule of Benefits And Quarterly Premiums as of 2016
When comparing rates, please keep in mind that although not promised or guaranteed, this plan is designed to generate dividends that an insured may donate to support ABE’s charitable grants. If you do so, you are eligible for a charitable contribution deduction on your individual tax return. Please see Assignment of Dividends for further details. (See Assignment of Dividends for further details.)


Quarterly Premium Schedule for $5,000 to $100,000 Benefit
Rates displayed per $1,000


Age Nonsmoker Smoker
Under 30 1.21 1.82
30-34 1.66 2.68
35-39 2.45 4.10
40-44 3.49 5.91
45-49 4.72 8.21
50-54 5.96 10.48
55-59 7.38 12.83
60-64 8.80 15.19
65-69 10.55 17.78
70-74** 12.76 21.20


** For renewal purposes only.

Coverage terminates on the policy anniversary on or next following the member’s 75th birthday.

Premium rates for member and spouse/domestic partner are based on the insured’s age and tobacco/nicotine usage on the effective date of coverage and increase on the June 1st on or next following a change in age as shown in the schedule. These are the current rates and reflect current benefit structure. New York Life reserves the right to change rates on any premium due date and on any date on which benefits are changed. However your rates may change only if they are changed for all others in the same class of insureds under this group policy. For example, a class of insureds is a group of people with all the same issue age. Premiums will vary, depending on the option chosen. Benefit options are not guaranteed and are subject to change by agreement between New York Life and ABE.

Premiums may vary when billed due to rounding. See When Coverage Ends.

Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 under Group Policy G-29904-0 on Policy Form GMR-FACE/G-29904-0.


2016 Insurance check-up
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