ASCE Member Insurance Self-Service Portal

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

Apply Online

Coverages up to $250,000 (under age 50) are eligible for automated underwriting, which means you may qualify for no medical exams and a faster decision on your application than ever before!

If you are a NEW term life applicant, you can add a chronic illness rider at the time of application by completing the chronic illness section.

How Much Life Insurance Do You Really Need?

Life Insurance helps ensure the financial security of your loved ones after you’re gone. To determine how much life insurance you need, think about what your family would need to maintain your current standard of living. Take into account your income, your work benefits, any outstanding debts, and estate costs. Plus, consider the other things you provide your family now, such as caring for children and making repairs around the house.

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

  • Apply for up to $1,000,0001 of member and spouse coverage.
  • Affordable, highly competitive rates.
  • 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.
  • Conversion to an individual policy when coverage terminates (if you meet conversion requirements).
  • Living Benefit Option ("Accelerated Death Benefit"): Enables you to apply for a portion of your benefits if you qualify as being terminally ill, subject to certain policy restrictions and limitations. These benefits are paid directly to you, and you may spend them any way you wish. (See information and rates for more details. Not available to residents of Massachusetts.)

Get A Rate Quote

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

Your Rates

Group 10-Year Level Term Life
  Annual Rate Rate over 10-year period *
Group Term Life
Group 10-Year Level Term Life Preferred
Group 10-Year Level Term Life Select
Group 10-Year Level Term Life Standard
Group 20-Year Level Term Life
Annual Rate Rate over 20-year period *
Group Term Life
Group 20-Year Level Term Life Preferred
Group 20-Year Level Term Life Select
Group 20-Year Level Term Life Standard

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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 70, 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 22 years (24 for full-time students) 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 plan brochure for complete details. Certain state eligibility restrictions apply. Not intended for residents of New Mexico.

** 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.
Get a Rate Quote Now!

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.

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.

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 $250,000 (under age 50) are eligible for QuickDecision.

Can coverage continue if I am out of the country?
Call the 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 nearly 55 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 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 has received the highest ratings for financial strength currently awarded to any life insurer from the leading independent ratings agencies, including A.M. Best (A++ as of 8/1/2013).

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