ASCE Member Insurance Self-Service Portal

Group Term Life Insurance


Your loved ones are counting on you.

Think about what your family would need to maintain their current standard of living if you were no longer there to help provide for them. Take into account the income you bring in each month as well as the benefits you receive from your employer, like health insurance. Do you have outstanding debts such as a home mortgage, school loans, or an auto loan? Life insurance can help cover these monthly expenses, and more, in addition to planning for your children’s college education and your spouse’s retirement even after you’re gone. Don’t skip the chance to help safeguard the ones you love.

With ASCE Group Term Life Insurance, you'll have access to the following benefits:

  • Apply for up to $1,000,000 of member and spouse coverage.
  • Competitive rates.
  • Automated underwriting process: Coverages up to $500,000 (under age 55) may qualify for no medical exams, faster processing, and a quicker decision on your application.
  • No exclusions: After coverage is validly in force for two years, benefits are payable for death from any cause, at any time, anywhere in the world (subject to U.S. government regulations on restricted countries).
  • Portable coverage: Maintain your valuable ASCE Group Term Life Insurance protection throughout your career, no matter where it takes you.

Chronic Illness Rider Available
Once you decide to apply for our Group Term Life coverage you can also apply to accelerate a portion of your group term life insurance face amount (not to exceed 50%) with the Chronic Illness Rider. This rider provides living benefits paid directly to you for in-home or out-of-home care, medical supplies, or other costs related to your qualifying illness. For complete details, refer to the ASCE Chronic Illness Rider brochure.

Find Your Cost Now

Please note, the rate calculator will only provide quotes for ASCE members under age 70. Spouses and members 70+ should contact an ASCE insurance specialist to assist them at 800.650.2723.

Get A Rate Quote

To receive a quote, please enter your information to the right and click "Get Rates." To ensure you receive an accurate quote, please enter information correctly.

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* This calculation takes into consideration the Term Life premium increases that will occur over the next 10-year or 20-year period as the member reaches higher age brackets.

The Term Life premium for both member and spouse is based upon the member’s age, amount of insurance requested, usage of tobacco/nicotine products, and health status. Term Life rates increase on the premium due date coinciding with or next following the date that a member enters a new age bracket. New York Life may change premium contributions for the Term Life plan on any premium due date, but not more than once in any 12-month period, and on any date on which benefits are changed. However, your rates may change only if they are changed for all others in the same class of insureds under this group policy. For example, a class of insureds is a group of people all with the same issue age and tobacco/nicotine usage. Term Life benefit option amounts are subject to change by agreement between New York Life and the American Society of Civil Engineers.

The ASCE Group Life 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.

More Information


If you're an ASCE member, under age 75, and a resident of the United States, Puerto Rico (other U.S. territories excluded), or a resident of Canada (excluding Quebec), you're eligible to apply for $10,000 to $1,000,000 (in multiples of $10,000) of ASCE Group Term Life Insurance*. You may also apply for $5,000 to $1,000,000 (in multiples of $5,000) of Term Life coverage for your lawful spouse. Each unmarried, dependent child from age 14 days through 29 years may also be insured for $10,000. A dependent who is also an ASCE member is eligible for either member or dependent coverage, but not both.

Please refer to the plan brochure for more information. Certain state eligibility restrictions apply.

*Coverage decreases starting at member age 65; premiums are not reduced.

Frequently Asked Questions

How do I calculate the rate on an ASCE Group Life Insurance Plan?
Premium contributions for both the member and spouse are based on the member's age and increase as the member grows older. Premiums may be periodically increased on plans to reflect plan utilization and help ensure their financial stability.

Can my spouse obtain separate coverage?

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 medical underwriting procedures. The "underwriting process" depends on many factors: the number of persons to be insured, their ages, the amount of coverage for which you apply, your medical history and that of your family members (if requesting dependent coverage), and the type of coverage requested. See What To Expect During Underwriting for additional details.

Do I have to take a medical exam, blood test, or other health analysis?
Whether or not you must undergo medical testing depends on the plan you are requesting, your age, the amount of coverage for which you apply, and your individual medical history. See What To Expect During Underwriting for additional details.

What is QuickDecisionSM?
QuickDecision allows the carrier to make an underwriting decision in real time based upon information gathered, and medical questions answered, online during the application process. Most QuickDecision applications do not need follow-up, however, sometimes you may need to speak with a representative to verify information or have a medical professional visit you. Coverages up to $500,000 (under age 55) are eligible for QuickDecision. See QuickDecision FAQs for additional details.

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

Who is the carrier on the Group Term Life Insurance Plan?
The ASCE Group Term Life Insurance plan is underwritten by New York Life Insurance Company under policy form GMR-G-10500-1/FACE.

Who Administers the Program?
The ASCE Group Insurance Program is administered by Pearl Insurance Group, LLC. 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 65 years.

Who recommends/approves benefit changes or premium changes?
The insurance companies reserve the right to change rates. They usually report "plan experience" (or the number and size of claims made) twice a year and, if applicable, rate action recommendations. Using this information, the Plan 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 10/15/20)

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It has never been easier to apply for coverage through the ASCE Member Insurance Program.

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Apply for a Chronic Illness Rider with your term life coverage by completing the cognitive capability section on the application. If you are a current ASCE term life insured and wish to add the Chronic Illness Rider, please contact an insurance specialist to assist you.

Contact Us

If you have any questions, please call:

800.650.ASCE (2723)

or email:

Or, use Chat Now and you can speak with an ASCE insurance specialist during regular business hours.


This plan is underwritten by New York Life Insurance Company, under Group Policy No. G-10500-1, on Policy Form GMR-G-10500-1/FACE.

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.

SMRU: 1822919

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