Life Insurance - Senior Term Details
Our Plan Eligibility

Full-time, part-time, or retired federal employees under age 65 who reside in the United States may apply. The lawful (not legally separated) spouse under age 65 of an individual meeting the criteria directly above may also apply for coverage.

Available to Federal Employees (Full-Time, Part-Time or Retired) and their spouses at Affordable Group Rates

✔ Members between age 50 and 74 can apply for $50,000, $25,000 or $10,000 of coverage

✔ Spouse between age 45 and 74 can apply for $50,000, $25,000 or $10,000 of coverage

✔ Level coverage amount until age 75

✔ Insurance is underwritten by ReliaStar Life Insurance Company, a member of the Voya® family of companies. Policy Form # LP00GP. Product availability may vary by state.

Click here to download a PDF of our Senior Group Term Life Insurance - Benefits and Rates 

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Plan Highlights & Rates

  • Starr Wright USA’s Senior Level Group Term Plan provides coverage to help with financial burdens and security beyond your government-provided coverage.
  • Affordable rates are designed to remain level for 10 years*.
  • The plan helps ensure funding for your children’s education, resolution of final debts, and collateral for bank loans.
  • Coverage is available for your children. Benefits are payable regardless of any other insurance carried.
  • Current/retired federal employees and or their spouses can take their coverage with them if they leave their current job(s) or move.
  • Total combined coverage for each insured person under the Starr Wright USA Group Term Life Insurance Plan is $1,000,000.

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Fully Underwritten Applications

What is a Fully Underwritten application process?

A Fully Underwritten application process is where coverage is subject to underwriting approval by the insurer, and medical information may be requested from you or from your attending physician(s). A physical exam, EKG, blood test, or other information may also be required. These requirements will be at no cost to you and acceptance into the life plan is not guaranteed.

Think you might need a different policy term?

Starr Wright offers different term life insurance policies. Click the learn more button below for more details.

10yr Life Insurance Icon
10-Year Level Term
This federal employee life insurance plan provides retired, part-time and full-time federal employees under the age of 65 with benefit amounts of $100,000 to $1 million in $25,000 increments. As rates depend on your age, gender and health, our federal employee life insurance calculator can provide you with an estimate for your premiums.
10yr Life Insurance Icon
20-Year Life Term
The requirements and benefit amounts of our 10-Year Level Term apply to our 20-Year Level Term — except this life insurance plan for federal government employees applies to applicants under the age of 55.

Questions about our Senior Life Insurance Policy?

Below are some of our most frequently asked questions, or you can call us at 1.800.424.9801 for more information.
Additional Features
  • Accelerated Life Benefit (ALB)  Helps terminally ill insureds during a difficult and often financially challenging time. The ALB provides the option to have a portion (up to 50%) of your life insurance benefit paid to you while still alive. This money can be used to help cover prescription drug costs, medical bills, outstanding debts, experimental treatments, the cost of modifications to your home, or anything else you choose. To qualify, an individual must be diagnosed as having a life expectancy of 12 months or less. Complete details are in the Certificate of Insurance. 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.
  • Conversion Privilege  You may convert your coverage to an individual whole life policy offered by ReliaStar Life, regardless of physical condition or medical history, under the conditions stated in your Certificate of Insurance.
  • Beneficiary  You can name anyone you wish as your beneficiary(ies). That person will receive all the proceeds of your coverage in the event of your death. It could be a family member or a close friend. You can change your beneficiary at any time, by written request.
  • Incontestability  The validity of any amount of insurance which has been in force for two years during the insured's life will not be contested except for non-payment of premium.
  • Certificate of Insurance  The information provided here is only a brief description of the principle provisions and features of the plan. The complete terms and conditions are set forth in the certificate of insurance, under group policy GL-67182-7. A certificate will be sent to you upon approval of your insurance by the insurer. This group policy is issued by ReliaStar Life Insurance Company to the Civil Service Employee Benefits Association on Policy Form LP00GP.
  • 30-Day Free LookWhen you receive your Certificate of Insurance, read it carefully. If you're not completely satisfied with the terms of your new insurance plan, and no claims have been submitted or paid, simply return your certificate within 30 days and any premium paid will be refunded. No questions asked.
  • Funeral Planning** Starr Wright USA insureds have access to Funeral Planning & Concierge Services. These services provide an opportunity to discuss and obtain information from independent experts. These professionals can assist in funeral planning for insureds and eligible family members. Click here for details.
  • Voya Travel Assistance***Voya Travel Assistance offers eligible Starr Wright USA insureds and their spouses four types of services when they are traveling more than 100 miles from home (domestically or internationally): Emergency Transportation Services, Medical Assistance Services, Emergency Personal Services, and Pre-Trip Information. Click here for details.
Additional Information

The Civil Service Employee Benefit Association (CSEBA) is the group policyholder of this insurance program. CSEBA makes available voluntary risk management products and services, other voluntary benefits, and educational services to current and former federal employees. Starr Wright USA acts as the program administrator for CSEBA.

Right to change benefits, rates or terminate the plan:

Changes to the group policy are subject to agreement between the group policyholder (CSEBA) and ReliaStar Life Insurance Company. CSEBA or ReliaStar Life may terminate the plan on any premium due date with advance notice. If the plan is terminated by CSEBA or ReliaStar Life, at least 30 days advance notice will be provided to the individual insured member(s). For level term coverage, the initial premium will not change for the first 10 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.

Exclusions: A death benefit will not be paid due to death as a result of suicide (while sane or insane) within 2 years of the date insurance or increase of insurance coverage starts. The Accelerated Life Benefit is subject to additional exclusions.

Plan Administrator:

Starr Wright USA
Plan Administrator
6110 Parkland Boulevard
Cleveland, Ohio 44124-4187
P: 877-966-3690
F: 440-646-9339

Group Term Life Insurance Underwritten by:

ReliaStar Life Insurance Company
Minneapolis, MN

Important Notice:

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.

*The initial premium will not change for the first 10 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.

**Funeral Planning and Concierge Services provided by Everest Package, LLC, Houston, TX.

***Voya Travel Assistance Services are provided by Europ Assistance USA, Bethesda, MD.

Group Term Life Insurance is underwritten by ReliaStar Life Insurance Company, a member of the Voya® family of companies. Home and Administrative Offices: Minneapolis, Minnesota. Policy form LP00GP. Product availability and provisions may vary by state. The group policy is situated in the District of Columbia and is governed by its laws.

How much coverage do I need?
Starr Wright USA enables you to determine how much life insurance coverage you need by using this Life Insurance Needs Calculator.
How does this coverage differ from federal life insurance?
Coverage differs in several ways. With our policy, your rates are fixed. You may elect more coverage at any time – not just at “significant life events,” and your coverage remains active even if you leave federal service.
When will my coverage end?
Coverage will end on the earliest of: the anniversary date on or after the insured person reaches age 75, or when you fail to make payment of premiums when due; you request for such insurance to end; or if the group policy is terminated. For members or spouses who are under age 70 at the end of a level term period, coverage will not reduce. For members or spouses who reach age 70 while coverage is still in force, and you’re not in a level term period, your insurance is reduced to the lesser of 50% or $250,000.
How often are premiums renewed?
Premiums remain level for an initial 10-year period. The initial premium will not change for the first 10 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. At the end of the 10-year period, coverage will automatically renew without evidence of insurability to group term life insurance with 5 year age banded rates. Renewal premiums are not guaranteed and will be based on your then attained age and will increase as you age. However, if you are under age 65 you may apply for a subsequent 10-year period at a level rate based on your then attained age, subject to submission of satisfactory medical evidence to the insurer.

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