Ever wondered if you have enough insurance coverage for when the going gets tough? You've come to the right place.
This site will give you a personalized insurance checkup, so you can learn which—if any—insurance coverage areas you may need to adjust. After answering a series of questions, you'll be able to calculate your rate for each product, email the information to yourself for future reference, get hands-on assistance from an insurance specialist, or apply online.
Please review your portfolio, calculate your rates, and choose what to do next.
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Your current life insurance coverage falls short of what your loved ones may need if you pass away. Having a robust life insurance plan could help prevent your family from struggling to make ends meet and giving up on their financial goals.
Your current life insurance coverage is adequate, but it may still fall short of the amount your family would realistically need. The more coverage you have, the easier it will be for your loved ones to continue meeting their financial obligations and achieving their goals after you’re gone.
Your current life insurance coverage is great! Good job—you’ve taken the necessary steps to help properly secure your family’s financial future.
Your current supplemental health insurance falls below what you may need if you face hospitalization. You’d likely have to pick up the financial slack from gaps in your normal health insurance, which could severely impact your savings.
Your current supplemental health insurance coverage is adequate, but you may still have difficulty paying all of the out-of-pocket expenses if you’re confined in a hospital for an extended period of time. Applying for a higher coverage amount now can help ensure financial stability in the future.
Your current supplemental health insurance is great! Good job—you’ve taken the necessary steps to help properly secure your finances if you face an extended hospital confinement.
Your current disability income insurance coverage falls short of what you may need if an illness or injury prevents you from earning a paycheck. Ask yourself: Would my current benefit amount allow me to comfortably make ends meet if I couldn’t work?
Your current disability income insurance coverage is adequate, but it’s likely you would still feel financial strain if you become disabled. After an injury or illness, you should only have to focus on recovery—not paying the bills.
Your current disability income insurance coverage is great! Good job—you’ve taken the necessary steps to continue meeting your financial obligations if a covered injury or illness stops you from working.
Level of recommended coverage is calculated by comparing demographic information, coverage needs, and active insurance plans of other ASCE members.
Need more time to decide? We understand. Email this portfolio to yourself so you can take the necessary time to review which products might be right for you.
Want to talk with someone about these offerings? No problem. Our insurance specialists are on standby to help you decide which products might be right for you.
By submitting this form, you will receive emails about your insurance assessment. You may opt-out at any time.
Unfortunately, due to New York Regulation 187—which regulates how insurance products are recommended—we cannot let you proceed through this process.
The ASCE Member Insurance Program’s intent is to suggest offerings based on the products we carry and the insurance coverage you already have, but we don’t want you to feel obligated to purchase a product based on our recommendations.
Please research our offerings on your own to decide which products are right for you.
Life insurance can make a huge difference for your loved ones during an extremely difficult time. If you were to pass away unexpectedly, your family could struggle to afford life’s daily expenses. But how do you know if term life coverage is right for you?
Many people will choose a term life policy if they need coverage quickly or if their budget is tight. The initial rates this insurance plan provides usually means you can purchase more coverage for your dollar.
Here is a quick summary:
How much coverage do I need?
Ideally, you should have 7–10 times your annual salary in coverage. Our recommendation errs on the conservative side as we want you to have an adequate amount of coverage at a competitive monthly rate. The specific amount of coverage you should purchase is up to you. But if you need assistance, we’re happy to help! Just call us at 800.650.2723, or select the option to send your portfolio to a representative and we’ll review your options with you.
*If you pay your premium when due, maintain your ASCE membership, and the group policy remains in force.
Note: This monthly rate is based on your answers and a coverage amount of $100,000, which was determined based on the average of what other ASCE members have in place. You can adjust your coverage amount during the application process.
The ASCE Group Life Insurance Plans are underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010, under group policy GMR, Policy Numbers GMR-G-10500-1/FACE, GMR-G-29137-0/FACE, GMR-G-29253/FACE.
For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.
181485
When we hear the word “disability,” we often think of tragic—but unlikely—accidents. The reality, however, is far different.
In fact, the top causes of disabilities* include:
... just to name a few. But our disability income insurance can give you financial stability during a trying time so you can focus on recovering.
Here's what you need to know:
Choose a career plan (coverage up to age 65) or a five-year plan (only five years of coverage); Select a monthly benefit amount from $150 up to $8,550; Opt for a 30-, 90-, or 180-day waiting period (before benefits kick in); Premium payments waived while receiving Total Disability Benefits
*“Top Causes of Disability 2019.” Unum, May 2019.
Note: This monthly rate is based on your answers and a coverage amount of $500,000, which was determined based on the average of what other ASCE members have in place. You can adjust your coverage amount during the application process.
This plan is underwritten by New York Life Insurance Company, under Group Policy No. G-12601, on Policy Form GMR-G-12601/FACE.
For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.
Program Administrator's:
Arkansas Insurance License #1322
California Insurance License #0F76076
New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico, and Canada. However, not all group plans it underwrites are available in all jurisdictions. Please check the applicable insurance brochures for current availability. New York Life’s state of domicile is New York, and NAIC ID # is 66915.
1843603
10-year level term life insurance coverage can provide you a decade of protection, giving you peace of mind in knowing your family will have help being cared for after you're gone.
A 10-year level term life policy is often recommended to take care of longer-term financial obligations you expect to tackle within the next decade, like paying off a mortgage or seeing your children through college. And since you’re locking in your coverage for 10 years up front, your rates are expected to remain level throughout your term—meaning your premium won’t go up due to aging or health changes. Premiums will increase as you reach higher age bands upon renewal.
Here are some highlights:
How much coverage do I need?
Ideally, you should have 7–10 times your annual salary in coverage. Our recommendation errs on the conservative side as we want you to have an adequate amount of coverage at a competitive monthly rate. The specific amount of coverage you should purchase is up to you. But if you need assistance, we’re happy to help! Just call us at 800.650.2723, or select the option to send your portfolio to a representative and we’ll review your options with you.
1Provided you are still eligible. If not, you can continue your coverage at conventional rates without a physical exam.
2If you pay your premium when due, maintain your ASCE membership, and the group policy remains in force.
Note: This monthly rate is based on your answers and a coverage amount of $100,000, which was determined based on the average of what other ASCE members have in place. You can adjust your coverage amount during the application process.
The ASCE Group Life Insurance Plans are underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010, under group policy GMR, Policy Numbers GMR-G-10500-1/FACE, GMR-G-29137-0/FACE, GMR-G-29253/FACE.
For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.
1847434
If you or a family member is hospitalized, your savings could be significantly impacted by the out-of-pocket expenses not covered by health insurance. But with this plan, you can help fill the gap. Benefit payments will be made to you directly to spend any way you wish.
Here are a few things this plan provides benefits for:
Note: This monthly rate is based on your answers and a coverage amount of $500 per day, which was determined based on the average of what other ASCE members have in place. You can adjust your coverage amount during the application process.
For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.
This insurance coverage can help provide financial stability if you have a bad accident. After a tumultuous event like a severe injury, you should only have to focus on one thing—recovering.
Here's an overview:
Note: This monthly rate is based on your answers and a coverage amount of $100,000, which was determined based on the average of what other ASCE members have in place. You can adjust your coverage amount during the application process.
This plan is underwritten by New York Life Insurance Company, under Group Policy No. G-18701-0, on Policy Form G-18701-0/GMR-FACE/FACE.
For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.
1827047
Rest easy for two decades knowing your 20-year level term life insurance coverage will help provide for your family if you pass away.
A 20-year level term life policy is a good choice if you’re going to have large financial obligations for many years to come. These obligations could include things like raising children, buying a home, and taking care of elderly loved ones. And since you’re locking in your coverage for 20 years up front, your rates are expected to remain level throughout your term—meaning your premium won’t go up due to aging or health changes. Premiums will increase as you reach higher age bands upon renewal.
Here's the rundown:
How much coverage do I need?
Ideally, you should have 7–10 times your annual salary in coverage. Our recommendation errs on the conservative side as we want you to have an adequate amount of coverage at a competitive monthly rate. The specific amount of coverage you should purchase is up to you. But if you need assistance, we’re happy to help! Just call us at 800.650.2723, or select the option to send your portfolio to a representative and we’ll review your options with you.
1Provided you are still eligible. If not, you can continue your coverage at conventional rates without a physical exam
2If you pay your premium when due, maintain your ASCE membership, and the group policy remains in force.
The ASCE Group Life Insurance Plans are underwritten by New York Life Insurance Company, 51 Madison Avenue, NY, NY 10010, under group policy GMR, Policy Numbers GMR-G-10500-1/FACE, GMR-G-29137-0/FACE, GMR-G-29253/FACE.
For more details, including features, costs, eligibility, renewability, limitations, and exclusions, see the product brochure on the New York Life application portal. A link to the brochure can be found on the product selection step per product.
1847434
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