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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.


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.

Get an instant estimate.

Apply for up to $500,000 of Member Term Life insurance.

Coverage Amounts

Members: Available in increments of $100,000. The maximum coverage amount is $500,0001.

Eligible Dependents: 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.

Accelerated Benefit Option

Receive up to 75% of your coverage amount (maximum of $500,000) to help with medical costs, the mortgage, or spending quality time with family, if you become terminally ill. If you become chronically ill and incapable of performing at least two Activities of Daily Living2 for at least 90 days, or have a severe cognitive impairment that requires substantial supervision, the Accelerated Benefit Option provides up to 25% of your coverage amount (maximum of $250,000).

Not sure how much coverage you need?

Use the Life Insurance Calculator for help in estimating how much coverage you might need.

Need more information?

Download the plan brochure.

1For information on coverage amounts over $500,000, please call Member Benefits at 1-800-282-8626.

2Activities of Daily Living (ADLs) are defined as eating, bathing, continence, dressing, toileting, and transferring. See the certificate for full details.

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.

Accelerated Death Benefit option is a feature that is made available to group life insurance participants. It is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for those types of insurance coverage. The death benefit is reduced by the amount of the accelerated death benefit paid. There is no administrative fee to accelerate benefits. Receipt of accelerated death benefits may affect eligibility for public assistance and may be taxable. The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefits and is considered terminally ill or chronically ill. You may wish to seek professional tax advice before exercising this option.

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

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