A career that’s fulfilling, A future that’s financially secure

Life can be unpredictable, but your family’s financial future shouldn’t be. This optional term life coverage is offered through your IPSE membership and is issued by The Prudential Insurance Company of America, a company that has stood the test of time for more than 140 years.Apply † for coverage and your loved ones can have the time they need to mourn their loss when the unthinkable happens, and still help keep up with mortgage payments, school tuition, credit card bills, and funeral expenses

Term Life Insurance

Help protect your loved ones with IPSE-US Member Optional Term Life Coverage at affordable group rates, available to you as a benefit of your membership†


80% of consumers overestimate the cost of life insurance.1

Financial Protection

In the U.S., about 66% of people live from paycheck to paycheck.2


In the U.S., about 66% of people live from paycheck to paycheck.2


A reliable plan for your family's financial future

Reliable coverage for your loved one’s future is now possible with optional term life insurance you can take with you from job to job, as long as you remain a member. Benefits can be used to help pay for funeral costs, mortgage, college tuition, credit card debt and more without restriction. Apply today and enjoy exclusive rates and flexible options to meet the needs of your changing life

The Details

Frequently Asked Questions

Is coverage available for my spouse/domestic partner & children?

Yes, your Spouse/Domestic Partner may enroll for up to $100,000 and each eligible child, age 6 or younger, can receive up to $5,000 of coverage.†


What additional features are included in the optional term life plan?

The Accelerated Benefit Option (ABO) is included at no additional cost to the member. If you are terminally ill with a life expectancy of 6 months or less, with ABO, you may use 90% of your coverage amount to a maximum of $100,000 to help pay medical costs, pay off your mortgage, or take the vacation of a lifetime. This option applies to both member and dependent coverage.


Do I have to answer medical questions to apply for this coverage?

Only three health questions are required to complete the application process. In certain circumstances, an attending physician’s statement or paramedical exam may be ordered to ensure proof of good health.


Can I convert my optional term life policy to an individual policy without going through medical underwriting?

Yes, if you are no longer insured for the optional term life Insurance coverage because your membership in the covered class ends, or part of the group contract ends, you can convert to an individual policy within 31 days of such termination without medical underwriting.


Who receives the death benefit proceeds?

Term life benefits are payable to your beneficiary(ies).


How soon will my coverage begin?

Coverage is effective the first of the month following approval of your enrollment.


What are the benefit reductions in the optional term life policy?

This term life policy reduces at a slower rate than other policies, which allows you to keep more of your coverage for a longer period of time.

Reduces to:

- 65% of original coverage amount at age 65

- 50% of original coverage amount at age 70 


Coverage terminates at age 75. All coverage is subject to Prudential’s approval of satisfactory evidence of insurability.


Do I have to pay my first premium when I enroll?

No. Your first premium contribution will be due following approval of your request for optional coverage.

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The Association of Independent Workers

535 Griswold Street Suite 111-556 Detroit, MI 48226

1341 G Street, NW  Suite 1100 Washington, DC 20005

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