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Insurance Benefit Insurance Benefit

Long-term financial security for your loved ones

If something happened to you, how would your family maintain their lifestyle?

Designed for AOPA members and their busy, active lifestyles, AOPA Group Level Term Life Insurance has no general aviation exclusions—something you may not get from an average policy.

AOPA members and their spouses1 can lock in affordable rates and benefits up to $1,000,000 for 10 or 20 years—without having to worry about updating their coverage yearly.  The initial premium will not change for the first 10 or 20 years unless the insurance company exercises its right to change premium rates for all insureds covered under the group policy with 60 days advance written notice.  You can trust that your rate is designed to not increase, making it easy to plan and budget from year to year.

(AOPA Member Only Benefit)


Choose either a 10- or 20-year term. It’s your choice based on your age at the time you apply and your family’s needs.

Under age 66 10-year term $50,000 up to $1,000,000
Under age 56 20-year term $200,000 up to $1,000,000

Dependent children – Your dependent children age 15 days to 19 years (or 25 for full-time students) qualify for $5,000 or $10,000 of coverage.

Coverage will not reduce during a level term period. For Members and Spouses1 who are age 70 to 74 at the end of a level term period, coverage will reduce to 50% and from age 75 to 79 coverage is reduced to 75% of the original face amount. Coverage terminates at age 80.

“Living Benefits” if terminally ill – If you are diagnosed as terminally ill with less than 12 months to live, you can request up to 80% (to a maximum of $500,000) of your life insurance through the plan’s Accelerated Life Benefit. You can use this money any way you wish—to help pay for medical expenses, homemaker services or other expenses. The remainder of your benefit amount will be paid to your beneficiary(ies) after your death. Please note: Receipt of the accelerated benefit may be taxable, or may adversely affect your eligibility for Medicaid or other government benefits. You should consult your personal tax advisor to assess the impact of this benefit.

No general aviation exclusions – This plan does not have any general aviation exclusions, unlike some life insurance plans that exclude aviation-related activities. 

Portable coverage – You can take this coverage with you if you leave your current job or move. It is not tied to your career or to any one employer.

Offers conversion privileges – When your coverage terminates, your life insurance can be converted to an individual whole life policy within 31 days—without regard to your health at that time. This privilege also applies to spouse1 and child coverage.

1Domestic Partner includes your registered Domestic Partner if you and your Domestic Partner are registered as domestic partners, civil union partners or reciprocal beneficiaries with a government agency or office where such registration is available. It also includes your non-registered Domestic Partner in whom you have an insurable interest. By enrolling such Domestic Partner for coverage and signing this enrollment form, you are attesting to your insurable interest.

Will Preparation Services1

Offers you and your spouse/domestic partner unlimited face-to-face or telephone meetings with an attorney, from MetLife Legal Plans’ network of over 18,000 participating attorneys, to prepare or update a will, living will, and Power of Attorney.

Estate Resolution Services1

Estate representatives and beneficiaries may receive unlimited face-to-face legal assistance with probating your and your spouse/domestic partner’s estate. Beneficiaries can also consult an attorney, from MetLife Legal Plans’ network of over 18,000 participating attorneys, for general questions about the probate process.

Grief Counseling2

Provides you and your dependents up to five private counseling sessions with a professional grief counselor — per event — to help cope with a loss, no matter the circumstances, whether it’s a death, an illness or divorce. Sessions may also be held over the phone.

Funeral Planning Assistance2

Services designed to simplify the funeral planning process for your loved ones and beneficiaries to assist them with organizing an event that will honor a loved one’s life from a self-paced funeral planning guide to services such as locating funeral homes, florists and local support groups.

1Will Preparation and MetLife Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and affiliates, Warwick, Rhode Island. For New York sitused cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond Will Preparation. Tax Planning and preparation of Living Trusts are not covered by the Will Preparation Service. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.

2Grief Counseling and Funeral Planning Assistance are provided through an agreement with LifeWorks US Inc. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. The Grief Counseling program does not provide support for issues such as: domestic issues, parenting issues, or marital/relationship issues (other than a finalized divorce). This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred.

This is a summary of benefits only.  A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of coverage.  All coverage is subject to the terms of the group policy.  If there is any discrepancy between this document and the group policy documents, the policy documents will govern.

Life insurance coverage is provided under the terms of a group life insurance policy, Group Policy 229348 issued and delivered in the state of New Jersey, and is governed by its laws, to the Aircraft Owners and Pilots Association as the policyholder.  Group Senior Term Life Insurance underwritten by Metropolitan Life Insurance Company New York, NY 10166. This is a paid endorsement.  AOPA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.  The policy is administered on behalf of Metropolitan Life Insurance Company by AMBA Administrators LLC, an insurance administrator licensed in the state of New Jersey.  Association Member Benefits Advisors (AMBA), LLC. In CA d/b/a Association Member Benefits & Insurance Agency. CA Insurance License #0I96562 | AR Insurance License #100114462. Our Role and Compensation  

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Frequently Asked Questions

Will I need to take a medical exam to obtain coverage

Proof of good health is required for approval of coverage. This may or may not include a medical exam. If an exam is required, it will be performed at your convenience and at no expense to you.

Why would I need this life coverage

Most likely you already have some life insurance—but is it enough and does it cover your aviation activities? Inflation, economic conditions, and lifestyle changes can all eat away at the value of that life insurance. If something happened to you, your current life insurance may not be enough to adequately support your loved ones. AOPA Level Term Life Insurance makes it easy and affordable for you to obtain additional life insurance.

What is the Accelerated Life Benefit

With this benefit, you can collect a portion of your life insurance benefit amount (up to 80%, to a maximum of $5000,000) if you are diagnosed with a terminal illness with less than 12 months to live. You can use your life insurance proceeds to help pay medical or other expenses during this difficult time. Your beneficiary would then receive the remainder of your benefits after your death.

Receipt of the accelerated benefit may be taxable, or may adversely affect your eligibility for Medicaid or other government benefits. You should consult your personal tax advisor to assess the impact of this benefit.

Are there any aviation exclusions under this plan

There are no general aviation exclusions under this plan. Your aviation activities are covered, unlike some life insurance plans that exclude flying in recreational or commercial aircraft. 

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