ASCE Member Insurance Self-Service Portal

Group High-Limit Accident Insurance


Unexpected accidents happen every day. If you were involved in a bad accident, would your finances remain intact? Or would you be fighting to keep up with your living expenses on top of medical bills? ASCE’s Group High-Limit Accident Insurance will provide you with the financial peace of mind you need so you can focus on what’s important—your health and getting back to saving for your family's future.

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With ASCE Group High-Limit Accident Insurance, you'll have access to the following benefits if you are injured in an accident:

  • Your choice of $50,000 to $500,000 Principal Sum (in units of $50,000)
  • Spouse and dependent children coverage available
  • Common Carrier Benefit
  • Repatriation Benefit
  • Rehabilitation Benefit
  • Seat Belt Benefit
  • Education Benefit
  • Spouse Critical Period Benefit
  • Adaptive Home/Auto Benefit

More Information


If you're an ASCE member, under age 70, a resident of the United States (excluding VT, WA, and territories), Puerto Rico, or Canada (excluding Quebec), you're eligible to apply for a Principal Sum of $50,000 to $500,000 (in units of $50,000) in ASCE Group High-Limit Accident Insurance. Coverage of $50,000 to $250,000 is available for your spouse who is under age 70 and a resident of the US, but spouse coverage may not exceed your own member coverage. Each unmarried dependent child from age 15 days through age 24 may be covered for $10,000.

Please refer to plan brochure for complete details, including features, costs, eligibility, renewability, limitations and exclusions.

Frequently Asked Questions

Who is this plan underwritten by?
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.

Who is eligible for this insurance?
ASCE members under age 70 in good standing and who are residents of the United States (excluding FL, NC, VT, WA, and territories) are eligible to apply for coverage for yourself, your spouse under age 70, and your unmarried dependent child from age 15 days through age 24 may be covered for $10,000. In order to become insured, satisfactory evidence of insurability must be provided and the required premium must be paid.

A dependent who is also an ASCE member is eligible for either member or dependent coverage, but not both. If both member and spouse are covered as members, neither may insure the other as spouse and only one may insure any eligible children.

How much insurance can I request?

Members—$50,000 to $500,000 in $50,000 increments.
Spouse—$50,000 to $250,000 in $50,000 increments, not to exceed 100% of member's coverage.
Child(ren)—$10,000 per child.

When you reach age 70, coverage converts to Common Carrier Travel Accident Insurance and any Principal Sum in excess of $100,000 reduces to $100,000. Common Carrier coverage protects against accidents that occur while riding on a public conveyance—airplane, bus, train, or taxi.

How long does the application process take? When will my coverage become effective?
For some plans, coverage becomes effective within a few days of receiving your application. For others, the process is longer because of required underwriting procedures. High-Limit Accident Insurance requires no underwriting and is often processed quickly.

How do I calculate the rate on an ASCE Group High-Limit Insurance plan?
Premium contributions for both the member and spouse are based on the member’s age (under age 70 or age 70 and over) at last birthday. Premiums may be periodically increased on plans to reflect plan utilization and ensure their financial stability.

When is the coverage effective?
Insurance will take effect on the date your application is approved by New York Life Insurance Company, provided the initial premium contribution is paid within 31 days after the date you are billed (send no money now) and any person to be insured is performing the normal activities of a person in good health of like age(NC Residents: a person of like age)on the date of approval.

Any person who is not performing his/her normal daily activities as required will not become insured until the day he/she is performing such activities, provided such date is within three months of the date insurance would have been effective and the person is still eligible.

Are there any exclusions?
Yes, Group High-Limit Accident Insurance does have exclusions and limitations. Please read the brochure for this information.

Can coverage continue if I am out of the country?
Call the Plan Administrator for more details as coverage varies depending on the plan.

What if I have second thoughts after I apply?
When you become insured, you will be sent a Certificate of Insurance summarizing you benefits under the Plan. If you are 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!

Who Administers the Program?
The ASCE Group Insurance Program is administered by Pearl Insurance. Pearl Insurance strives to provide ASCE members with the most relevant, competitively priced member benefit insurance packages for individuals and their families. Pearl Insurance has been providing associations like the ASCE with quality group coverage for over 60 years.

Who recommends/approves benefit changes or premium changes?
The insurance companies reserve the right to change rates. They report "plan experience" (or the number and size of claims made) annually, if applicable, rate action recommendations. Using this information, the program Administrator works with ASCE to evaluate the recommendations and decide what, if any, action (i.e. a rate action, a change in benefits, or even a change in insurance companies) is appropriate to maintain each plan's financial stability and competitive status. ASCE ultimately approves the action, and insured members are advised of their decision prior to implementation.


New York Life Insurance Company

New York Life Insurance Company (New York Life) is a leader in the association group insurance field, providing life and health insurance plans for associations. The company has an enduring commitment to its customers' financial security. Regardless of the state of the economy or the stock market, New York Life bases its financial decisions on the guiding principle of serving its clients. New York Life Insurance Company has received the highest ratings for financial strength currently awarded to any U.S. life insurer by all four major rating agencies including Moody’s Investor Service (Aaa), Standard & Poor’s (AA+), Fitch Ratings (AAA), and A.M. Best (A++).*

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 Plan details sections for current availability.

New York Life
State of Domicile:  New York
NAIC ID #66915
51 Madison Avenue
New York, NY 10010 USA

*Individual Third Party Ratings Reports (as of 9/12/19)