Visit the NYL Insurance Company secure online application portal and select "Group Term Life Insurance" when presented with product options
Choose an amount up to $500,0001
Finish answering the questions and submit
If you're under 60 years old, following the three steps above will automatically send you through the QuickDecisionSM underwriting process. It really is that easy.
With the right level of coverage, ACS Group Term Life Insurance can provide benefit money to help pay off existing debts and help your family continue to meet their financial obligations if something happens to you. It's also guaranteed renewable,4 so you won't need to worry about being denied for coverage in the future.
This policy renews annually, letting you adjust your coverage each year to keep pace with the evolving financial needs of your life. And since premiums for annually renewable group term life insurance may be more cost-effective than you think, you'll have more flexibility to find the right balance of budget and protection.
For information on features, costs, eligibility, renewability, limitations, and exclusions, please see the product brochure.
ACS Group Term Life is underwritten by New York Life, an insurance carrier with over 180 years of experience rated A++ for financial strength by A.M. Best.5
1Member cannot exceed $500,000 of total coverage between this offer and any other life insurance in force.
2Most QuickDecisionSM applications can be processed without the need for follow-up. Application includes health questions. Your answers to questions, along with other information you give us permission to obtain from other sources (i.e., motor vehicle reports, prescription drug & medical claim data), will determine your acceptance. QuickDecisionSM is not available in NM or US Territories (except PR). Must be under age 60 to qualify.
3Member cannot exceed $500,000 of total coverage between this offer and any other life insurance in force.
4So long as you remain an ACS member in good standing and pay your premiums when due.
5New York Life financial strength rating current as of 9/30/25.
6Receipt of an accelerated death benefit may affect eligibility for Medicaid or other government benefits or entitlements and may have income tax consequences. Accelerating benefits before applying for these programs, or while you are receiving government benefits, may affect your initial or continued eligibility.
The complete descriptions of the ACS Group Term Life Insurance are contained in the brochure, including features, costs, eligibility, renewability, limitations, and exclusions. Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10016, under Group Policy GMR-G-29204/FACE, GMR-G-29200/FACE and GMR-G-20205/FACE. Brokered and serviced by Pearl Insurance Group, LLC, Peoria, IL.