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Group Level Term Life Insurance

Group Level Term Life Insurance

Life insurance is one of the cornerstones of financial planning. Let us help make sure your loved ones are taken care of if something happens to you.

Overview

For COA Members, Member Spouses and Dependent Children

You certainly understand the importance of having sufficient life insurance. Now you have an opportunity to make sure that you have the amount of coverage needed. Your loved ones will appreciate the peace of mind this Plan provides, with benefits up to $1,000,000 that will let them go on with their lives with fewer financial concerns.

About This Plan

You and your spouse may select from $50,000 up to $1,000,000 in the Level Term Life insurance coverage (in $5,000 increments). The spouse coverage may not to exceed 100% of member’s coverage. Coverage continues as long as you remain an active member of the California Optometric Association, pay your premium when due, and the Group Policy remains in force.

Eligibility

All COA members, based on the below criteria, may apply for the level term life coverage for themselves, their spouse and all unmarried dependent children ages 14 days through 26 years.

Age Plan
Under age 65 10-year Plan
Under age 55 20-year Plan

If both member and spouse are covered as members, neither may insure the other as spouse and only one may insure any eligible children.
Child(ren) premiums: $7.50 semiannually covers all dependent children for $10,000 each. At time of application, a quarterly or semiannual billing option can be selected. (Quarterly premiums will be one-half of the semiannual premiums.

Accelerated Life Benefit1

You can receive up to 80% of your term life insurance proceeds to a maximum of $500,000 for members and member spouses, when the terminally ill person has less than 24 months to live. This can go a long way toward helping your family meet medical and other related expenses at this difficult time.

Accidental Death and Dismemberment coverage2

Group Accidental Death & Dismemberment (AD&D) Insurance can be elected at the same level of life insurance applied for. In addition, many people are seriously injured by accidents and sustain loss of limb or eyesight. For these reasons, COA Group Accidental Death & Dismemberment (AD&D) Insurance can be an important addition to your insurance benefits. The AD&D rates are: $6.00 (quarterly) or $12.00 (semiannually) per $50,000.

Is a medical exam required?

You must complete a standard application. When you apply, simply answer the health questions. Even if you have a health condition, you may still qualify. Depending on the amount applied for, a paramedical exam and blood test may be required, which will be scheduled at your convenience and at no cost to you.

Will this level term plan pay in addition to other coverage?

Yes. The level term plan pays in addition to any other insurance coverage you have. The plan also stays with you until your coverage ends. If also electing coverage under the COA level term life insurance plans, a combined maximum benefit amount of $1,000,000 between the level term life insurance plans and the annual renewable term life insurance will apply.

What are my options when my level term life comes to an end?

Premiums are designed to remain the same for the first level term period of coverage. At the end of the 10-year or 20-year period, if you still meet the requirements of eligibility, you may apply for re-entry. A written application and proof of good health satisfactory to MetLife is required.

Would I have the ability to continue coverage, should my plan end?

Yes, in many instances. If your insurance ends for a reason other than non-payment of your premiums, you may be able to convert your coverage into an individual life insurance policy from Metropolitan Life Insurance Company or an affiliate without providing evidence of insurability. Please see the certificate of insurance for details, including eligibility for conversion and amount of coverage that may be converted.

Are there any exclusions to my coverage?

Yes. Benefits will not be paid if the death of the member or member’s dependent occurs from suicide within two years of the effective date of their insurance or the date of any increase in insurance. The AD&D and Accelerated Life benefits are subject to additional exclusions. Please see your certificate for details.

30-DAY FREE LOOK
If you’re not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days.
Your coverage will be invalidated, and you will be sent a full refund, no questions asked!

Contact Information

We’re here to help! Please contact us in whatever manner is most convenient for you.

Address

AMBA
P.O. Box 14533
Des Moines, IA 50306

Underwriting Company

Metropolitan Life Insurance Company
200 Park Avenue
New York, NY 10166

Forms

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

Brochure & Application

Valuable built-in features at no additional cost to you

Will Preparation Services3

Offers the insured person and their spouse unlimited face-to-face or telephone meetings with an attorney, from MetLife Legal Plans’ network of over 18,500 participating attorneys, to prepare or update a will, living will, and Power of Attorney.

Estate Resolution Services3

Estate representatives and beneficiaries may receive unlimited face-to-face legal assistance with probating an insured person’s and their spouse’s estate. Beneficiaries can also consult an attorney, from MetLife Legal Plans’ network of over 18,500 participating attorneys, for general questions about the probate process.

Grief Counseling4

Provides an insured and their dependents up to five private counseling sessions with a professional grief counselor — per event — to help cope with a loss, no matter the circumstances, whether it’s a death, an illness or divorce. Sessions may also be held over the phone.

Funeral Planning Assistance4

Services designed to simplify the funeral planning process for an insured’s loved ones and beneficiaries to assist them with organizing an event that will honor a loved one’s life, from a self-paced funeral planning guide to services such as locating funeral homes, florists and local support groups.

Quarterly Rates

Your Rate Is The Rate For Your Age At The Time Coverage Is Issued.

California Optometric Association

Tobacco User, Non-Tobacco Select and Non-Tobacco Preferred Class

10 Years Quarterly Level Premium Rates per $5,000 Without Waiver

Note: Level Premium Rates apply to both Member & Spouse

Volume Band: $50,000 through $499,999 Volume Band: $500,000 through $1,000,000
Issue Age Tobacco Male NT Select Male NT Preferred Tobacco Female NT Select Female NT Preferred Tobacco Male NT Select Male NT Preferred Tobacco Female NT Select Female NT Preferred
18-26 1.72 0.74 0.61 1.14 0.66 0.54 1.60 0.72 0.59 1.02 0.63 0.53
27 1.74 0.76 0.61 1.20 0.68 0.54 1.63 0.72 0.59 1.08 0.65 0.53
28 1.79 0.76 0.61 1.27 0.68 0.54 1.67 0.72 0.59 1.14 0.65 0.53
29 1.86 0.76 0.63 1.34 0.68 0.54 1.74 0.72 0.59 1.22 0.65 0.53
30 1.95 0.76 0.63 1.44 0.68 0.54 1.83 0.72 0.59 1.31 0.65 0.53
31 2.05 0.78 0.63 1.53 0.68 0.54 1.94 0.74 0.59 1.42 0.65 0.53
32 2.19 0.78 0.63 1.66 0.68 0.54 2.06 0.74 0.59 1.53 0.65 0.53
33 2.34 0.78 0.65 1.79 0.68 0.54 2.22 0.74 0.61 1.67 0.65 0.53
34 2.50 0.79 0.65 1.93 0.68 0.54 2.38 0.76 0.61 1.82 0.65 0.53
35 2.69 0.79 0.65 2.09 0.68 0.56 2.58 0.76 0.61 1.98 0.65 0.54
36 2.90 0.79 0.65 2.28 0.70 0.56 2.79 0.76 0.61 2.16 0.66 0.54
37 3.13 0.81 0.65 2.47 0.72 0.58 3.01 0.78 0.61 2.35 0.68 0.56
38 3.39 0.81 0.70 2.68 0.78 0.63 3.27 0.78 0.66 2.56 0.74 0.59
39 3.68 0.86 0.75 2.89 0.83 0.70 3.56 0.83 0.68 2.77 0.79 0.66
40 3.99 0.90 0.78 3.11 0.90 0.72 3.87 0.86 0.74 2.99 0.86 0.70
41 4.35 1.08 0.84 3.33 0.97 0.79 4.23 1.03 0.81 3.20 0.94 0.76
42 4.74 1.19 0.94 3.56 1.06 0.86 4.62 1.14 0.91 3.43 1.01 0.83
43 5.16 1.28 1.03 3.79 1.17 0.94 5.04 1.23 0.99 3.67 1.12 0.91
44 5.59 1.42 1.12 4.03 1.28 1.03 5.47 1.37 1.08 3.92 1.23 0.99
45 6.15 1.54 1.28 4.41 1.37 1.10 5.96 1.48 1.23 4.22 1.32 1.06
46 6.59 1.68 1.35 4.66 1.46 1.19 6.41 1.62 1.30 4.47 1.39 1.14
47 7.02 1.90 1.48 4.90 1.59 1.28 6.84 1.82 1.42 4.71 1.52 1.23
48 7.50 2.06 1.61 5.17 1.68 1.35 7.31 1.99 1.54 4.98 1.62 1.30
49 8.03 2.26 1.75 5.46 1.77 1.44 7.84 2.18 1.68 5.27 1.70 1.39
50 8.62 2.51 1.92 5.76 1.92 1.52 8.43 2.42 1.84 5.57 1.84 1.46
51 9.20 2.76 2.11 6.04 2.05 1.66 9.01 2.64 2.04 5.85 1.97 1.59
52 9.82 3.00 2.35 6.34 2.20 1.80 9.63 2.89 2.24 6.15 2.11 1.73
53 10.48 3.32 2.60 6.65 2.35 1.93 10.30 3.16 2.49 6.46 2.24 1.86
54 11.20 3.60 2.88 6.99 2.53 2.11 11.02 3.45 2.76 6.81 2.43 2.04
55 11.95 3.96 3.18 7.36 2.71 2.28 11.77 3.80 3.04 7.18 2.60 2.18
56 12.69 4.33 3.49 7.74 2.93 2.43 12.50 4.16 3.36 7.56 2.81 2.33
57 13.45 4.68 3.80 8.13 3.13 2.58 13.27 4.50 3.65 7.95 3.00 2.48
58 14.36 5.14 4.18 8.57 3.38 2.78 14.18 4.94 4.02 8.39 3.26 2.66
59 15.52 5.64 4.59 9.06 3.67 2.94 15.34 5.41 4.41 8.89 3.52 2.82
60 16.90 6.23 5.09 9.56 3.92 3.19 16.73 5.99 4.90 9.39 3.76 3.06
61 19.00 8.99 5.84 10.79 4.89 3.30 19.63 8.54 5.47 10.34 4.71 4.05
62 21.93 9.79 6.33 11.48 5.14 3.46 21.75 9.36 5.96 11.30 4.97 4.58
63 24.37 10.80 6.95 12.30 5.47 3.67 24.19 10.37 6.59 12.12 5.31 5.01
64 27.22 11.94 7.68 13.32 5.87 3.94 27.03 11.52 7.33 13.14 5.71 5.29
65 30.48 13.64 8.77 14.53 6.52 4.37 30.29 13.25 8.42 14.35 6.36 5.93

California Optometric Association

Tobacco User, Non-Tobacco Select and Non-Tobacco Preferred Class

20 Years Quarterly Level Premium Rates per $5,000 Without Waiver

Note: Level Premium Rates apply to both Member & Spouse

Volume Band: $50,000 through $499,999 Volume Band: $500,000 through $1,000,000
Issue Age Tobacco Male NT Select Male NT Preferred Tobacco Female NT Select Female NT Preferred Tobacco Male NT Select Male NT Preferred Tobacco Female NT Select Female NT Preferred
18-26 1.97 0.84 0.66 1.41 0.78 0.60 1.88 0.86 0.70 1.32 0.65 0.64
27 2.05 0.90 0.68 1.50 0.83 0.62 1.97 0.90 0.71 1.42 0.84 0.66
28 2.17 0.91 0.70 1.64 0.84 0.63 2.07 0.91 0.73 1.54 0.86 0.68
29 2.30 0.94 0.73 1.76 0.86 0.64 2.22 0.94 0.74 1.67 0.86 0.68
30 2.46 0.96 0.74 1.90 0.86 0.64 2.36 0.96 0.76 1.80 0.88 0.70
31 2.65 1.00 0.76 2.05 0.88 0.66 2.55 1.00 0.78 1.97 0.88 0.70
32 2.86 1.01 0.78 2.22 0.88 0.66 2.76 1.01 0.80 2.14 0.90 0.71
33 3.09 1.03 0.81 2.42 0.90 0.68 3.00 1.03 0.83 2.32 0.90 0.71
34 3.36 1.06 0.83 2.62 0.90 0.68 3.26 1.06 0.84 2.52 0.90 0.71
35 3.66 1.08 0.84 2.83 0.90 0.71 3.57 1.08 0.84 2.74 0.90 0.74
36 3.98 1.09 0.86 3.08 0.93 0.71 3.89 1.09 0.86 2.98 0.91 0.74
37 4.33 1.14 0.88 3.32 0.94 0.73 4.25 1.12 0.88 3.22 0.94 0.76
38 4.73 1.16 0.96 3.60 1.04 0.81 4.65 1.14 0.96 3.51 1.03 0.81
39 5.18 1.24 1.00 3.89 1.11 0.90 5.05 1.22 1.00 3.79 1.11 0.91
40 5.66 1.29 1.09 4.20 1.21 0.94 5.56 1.29 1.11 4.10 1.21 0.96
41 6.17 1.57 1.21 4.52 1.32 1.04 6.08 1.54 1.21 4.42 1.32 1.06
42 6.73 1.76 1.36 4.86 1.46 1.14 6.65 1.72 1.38 4.76 1.42 1.16
43 7.34 1.88 1.49 5.21 1.62 1.28 7.24 1.87 1.50 5.13 1.60 1.29
44 8.00 2.14 1.66 5.59 1.79 1.41 7.90 2.10 1.64 5.51 1.77 1.43
45 8.79 2.30 1.86 6.08 1.90 1.49 8.65 2.27 1.87 5.95 1.90 1.51
46 9.52 2.55 2.00 6.50 2.05 1.62 9.37 2.52 2.02 6.37 2.04 1.64
47 11.07 2.91 2.24 6.93 2.27 1.77 10.12 2.86 2.24 6.78 2.25 1.79
48 11.07 3.21 2.45 7.37 2.45 1.90 10.95 3.16 2.45 7.23 2.43 1.94
49 11.99 3.62 2.74 7.85 2.65 2.08 11.85 3.57 2.76 7.70 2.63 2.12
50 12.99 4.07 3.06 8.37 2.91 2.24 12.85 4.00 3.04 8.22 2.88 2.25
51 14.60 5.87 3.51 9.45 3.63 2.31 15.07 5.71 3.40 9.04 3.60 2.98
52 16.85 6.39 3.81 10.05 3.82 2.42 16.70 6.25 3.70 9.89 3.80 3.37
53 18.72 7.04 4.18 10.76 4.06 2.57 18.57 6.93 4.10 10.60 4.06 3.68
54 20.91 7.78 4.61 11.66 4.36 2.76 20.74 7.70 4.55 11.49 4.36 3.89
55 23.42 8.90 5.27 12.72 4.85 3.06 23.25 8.84 5.23 12.54 4.86 4.35

Rates shown are as of February 1, 2025.

Premiums are based on your age at date of issue and will not increase due to your age or health status. Coverage will not be reduced during your level term period. Premiums will only be increased if premiums are increased for all insureds in the same age and rate class5. Coverage will become effective the 1st day of the month after the application is approved by MetLife. To obtain a rate quote for other ages, benefit amounts, or for information on the Level Term Life Plan, call toll-free 1-800-775-2020.

The classes of rates are “Standard” “Select” and “Preferred”. Only non-tobacco users may qualify for the “Select” and “Preferred” rates. (Note: Tobacco users may only qualify for the “Standard” rates. A tobacco user is anyone who has used tobacco in any form in the past 2 years.) Upon approval of your Application by the insurer, you will be notified of the rate classification for each approved person. Acceptance into this Plan is subject to medical evidence of insurability as determined by MetLife. Depending on your age, amount of coverage you applied for and your answers on the Application, a medical examination, medical test(s) or other evidence of good health may be required. Any exams/tests requested by the insurer will be conducted at your convenience at no expense to you.

NOTE: If you elect the Accidental Death & Dismemberment option you will receive the same level of coverage as your Level Term Life Insurance. For more information including eligibility, rates, benefit provisions, exclusions, limitations and termination provisions, please contact the COA Insurance Administrator at 1-800-775-2020.

1.  The Accelerated Benefits Option is subject to state regulation and is intended to qualify for favorable federal income tax treatment, in which case the benefits will not be subject to federal income taxation. This information was written as a supplement to the marketing of life insurance products. Tax laws relating to accelerated benefits are complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular circumstances. Receipt of accelerated benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of accelerated benefits will have on public assistance eligibility for you, your spouse or your family.

2.  AD&D insurance does not include payment for certain losses as described in more detail in your certificate. Specific information pertaining to your insurance can be obtained by contacting MetLife.

3.  Will Preparation and MetLife Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, Rhode Island. Tax Planning and preparation of Living Trusts are not covered by the Will Preparation Service. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.

4.  Grief Counseling and Funeral Assistance services are provided through an agreement with TELUS Health. TELUS Health is not an affiliate of MetLife, and the services TELUS Health provides are separate and apart from the insurance provided by MetLife. TELUS Health has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. The Grief Counseling program does not provide support for issues such as: domestic issues, parenting issues, or marital/relationship issues (other than a finalized divorce). For such issues, members should inquire with their human resources department about available company resources. This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred. Services are not available in all jurisdictions and are subject to regulatory approval. Not available on all policy forms. In some cases a medical exam may be required (at no cost to you). When you apply, simply answer the health questions. Depending on the amount applied for, a paramedical exam and blood test may be required, which will be scheduled at your convenience. Even if you have a health condition, you still may qualify.

5.  The group contract provides MetLife with the right to adjust the rates and/or the rate guarantee period should overall group participation change significantly.

All applications for coverage are subject to review and approval by MetLife. If you choose to apply for increased coverage, the increase may be subject to underwriting. MetLife will review your information and evaluate your request for coverage based upon your answers to the health questions, MetLife’s underwriting rules and other information you authorize us to review. In certain cases, MetLife may request additional information to evaluate your request for coverage. Coverage will be effective in accordance with the applicable policy and certificate after approval by MetLife.

Coverage may not be available in all states. For more information, please contact your plan administrator, AMBA, at 1-800-775-2020 or by email at: COA.Insurance.service@getamba.com.

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.

Wherever the term spouse appears will read as Domestic Partner throughout the plan summary.

All insurance and insurance effective dates are subject to final underwriting approval.

L0325047282[exp0327][All States][DC,GU,MP,PR,VI]
COA
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