Help protect the life you’ve built.
Member Term Life coverage, issued by The Prudential Insurance Company of America (Prudential), can be an affordable way to help protect your family’s financial security if something happens to you. It can provide funds that your loved ones can use to help them maintain the lifestyle that you have provided for them by helping to pay the mortgage, credit card bills, funeral expenses, or whatever else they may need it for.
BASIC MEMBER TERM LIFE COVERAGE [NEW!]
As a benefit of your membership, up to $20,000 of Basic Member Term Life coverage is available to eligible members – at no cost to you!* Acceptance is guaranteed, and there are no medical questions or exams.
All active State Bar of Texas members under age 80 are eligible to enroll. Basic Member Term Life coverage terminates at age 80.
Enrollment Benefit Schedule
When an insured enters a new age band, the total benefit amount will reduce on January 1 of the following year, per the schedule below.
- Under age 40: $20,000
- Age 40-49: $15,000
- Age 50-54: $10,000
- Age 55-59: $5,000
- Age 60-79: $2,000
Up to $20,000 of Basic Member Term Life coverage – at no cost to you.*
ADDITIONAL MEMBER TERM LIFE COVERAGE
Need more coverage? Members can also apply for up to $500,000 of additional Member Term Life insurance**.
Members: All members of the State Bar of Texas are eligible for the Member Term Life plan.
Eligible Dependents: Spouse/domestic partner and dependent children from live birth to less than 26 years of age. Children include legally adopted children, step-children and foster children who depend on the attorney/employee for support and maintenance. Children also include grandchildren if they are considered dependents for federal income tax purposes.
Coverage amounts under the Member Term Life plan for Texas Bar Members are available in increments of $100,000. The maximum coverage amount is $500,000.
Coverage amounts for your eligible dependents are as follows.
- Spouse/domestic partner: A multiple of $10,000; maximum $250,000
- Each child: A multiple of $2,000; maximum $10,000 (each child must be covered for the same benefit amount.)
The amount of insurance for a dependent may not exceed 50% of your amount of insurance.
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*Basic Member Term Life coverage is provided by the State Bar of Texas Insurance Trust (TRUST) on a complimentary basis and may be discontinued at any time at the discretion of the TRUST. Annual validation of member eligibility may be requested to maintain coverage.
**For information on coverage amounts over $500,000, please call Member Benefits at 1-800-282-8626.
This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.
This is not a complete description of the plan. For additional information including benefits, limitations and exclusions contact the Trust Office for a brochure. After you enroll, you will be issued a Group Insurance Certificate describing your coverage in greater detail. The complete terms of the coverage will be governed by the group insurance contract issued to the State Bar of Texas Insurance Trust by the carrier.
Group Term Life Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500. CA COA #1179, NAIC #68241