Group Term Life Insurance

When it comes to protecting the financial security of your loved ones, nothing is more important than planning ahead. Group Term Life (GTL) insurance is a great way to provide your loved ones with financial protection when you can’t be there and when they need it most.

PEF Membership Benefits Program sponsors Group Term Life insurance from Sun Life.1


You may be eligible for Group Term Life as an active, dues-paying member of PEF. You may also be eligible for Dependent Life insurance coverage, if you are covered for Life Insurance under this plan, and you meet additional requirements.

How does it work?

With Group Term Life insurance, your loved ones will receive a payment based on the coverage you have upon your death.

How much do I need?

You have the opportunity to choose the coverage that best fits your needs:

Member Coverage:


Your earnings are rounded to the next higher $1,000 (if not already a multiple of $1,000) based on your current earnings up to a maximum of $600,000.

If you are covered for Group Term Life insurance under this plan, you may also apply for dependent coverage for your spouse/domestic partner and dependent children.

How much does this coverage cost?

The cost for coverage is based on the amount of coverage you choose, your attained age, and a bi-weekly rate.

Bi-weekly rate per $1,000:

Rates are adjusted as you enter a new age bracket. Rates and/or benefits may be changed on a class basis.

For example, a member aged 43 interested in $20,000 of coverage would pay:

Spouse/Domestic Partner Coverage:


How much does spouse/domestic partner coverage cost?

The cost for spouse/domestic partner coverage is based on the amount of coverage you choose, the member’s attained age, and a flat bi-weekly rate.

Rates and/or benefits may be changed on a class basis. Rates increase as the member enters each new age category.
The spouse/domestic partner coverage amount cannot be more than 100% of the member’s coverage amount. A domestic partner is an individual with whom you execute a domestic partner affidavit to establish eligibility. This must be filed with and approved by PEF MBP prior to coverage becoming effective.

Dependent Children Coverage:

Dependent Child Coverage is $15,000.

Important points to consider:

  • You should consider life insurance if your income is needed to cover household or day-to-day expenses (e.g., car payments or childcare) or if you share responsibility for a significant debt (e.g., mortgage, rent, or student loans with someone else).
  • If you enroll when you are first eligible, you do not have to provide proof of good health.1
  • The coverage allows you to apply to receive a portion of your death benefit to help cover medical and living expenses if you become terminally ill.
  • The policy includes an equal amount of AD&D (accidental death & dismemberment) insurance, which provides a benefit if you or a covered dependent suffers a covered accidental injury or dies from a covered accident.
  • Your cost depends on your age, the amount of insurance, and a bi-weekly flat premium rate that changes as you get older.

Why choose Sun Life Group Term Life insurance?

How to Enroll:

1) For New employees on the job less than 120 days:

  • If you are a New Employee (on the job less than 120 days) in the PS&T (Professional, Scientific & Technical) Unit, you may enroll with no medical questions asked1. If we do not receive your insurance application(s) within 120 days of your date of hire with the PS&T unit, you can still enroll in the insurances, but you will need to also complete a Medical Questionnaire/Evidence of Insurability (form below).

You must join PEF before enrolling in any one or more insurances.

If you are a PEF member already and still within your 120 days from date of hire, simply complete the enrollment form via the Enrollment Form button below and mail it to:

PEF Membership Benefits Program
10 Airline Drive, Suite 101
Albany, NY 12205

View Cristie’s Sun Life story.


2) Current, Active Employees (on the job more than 120 days) in the PS&T unit:

  • If you are not yet a PEF member, you must join PEF before PEF before enrolling. Join PEF Now.
  • If you are a PEF member already, simply complete the enrollment form via the Enrollment Form button below, as well as, the Evidence of Insurability form and mail it to:

PEF Membership Benefits Program
10 Airline Drive, Suite 101
Albany, NY 12205



You will need to complete an Evidence of Insurability Form if:

  1. You did not elect insurance in your first 120 days of employment with the PS&T unit.
  2.  If you are increasing coverage on an existing insurance policy.
  3.  If a PEF MBP representative requests that you complete and EOI form.


If you are downloading the insurance enrollment application and the medical questionnaire, return both to PEF MBP at:
PEF Membership Benefits Program
10 Airline Drive, Suite 101
Albany, NY 12205

For more information: Call PEF Membership Benefits Program at (518) 785-1900, ext. 243, Opt. 2, or (800) 342-4306, ext. 243, Opt. 2. You may also email PEF Membership Benefits Program.


Important: The above information is intended to provide an explanation of the general purposes of the insurance described, but it does not form a part of the group insurance policy. If any of the terms of the brochure or certificate differ from the group insurance policy, the policy will govern. Limitations and Exclusions apply. Please see the brochure for additional information.

1If the amount you apply for exceeds the Guaranteed Issue amount or if you decline coverage during your initial eligibility period and want to elect coverage or increase coverage at a later date, you are required to complete and submit an Evidence of Insurability application, which must be approved by Sun Life prior to coverage taking effect.
For NY consumers: Receipt of Accelerated Death Benefits may affect eligibility for public assistance programs and may be taxable.
2Subject to policy terms, conversion is available when coverage terminates or reduces, and portability is available when employment terminates. Coverage is subject to state variations. If portability is not available in your state, continuation may be available. Refer to your Certificate for specific conditions.
This product web page is intended to provide an overview of the benefits available from PEF Membership Benefits Program and is not a complete description of plan provisions. Review of this product web page does not certify eligibility for benefits under this plan. For complete plan details, including limitations and exclusions that may affect benefits, please refer to your certificate.
The group policy provides insurance only. It does not provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Windsor, CT) under Policy Form Series 13-GP-LF-01, 13-LF-C-01, 13-GP-LH-01, 13-ADD-C-01, 13-LTD-C-01, 13-STD-C-01, 06P-NY-DBL, 07-NYSL REV 7-12, GP-A, GC-A, 12-GP-SD-01, 13-SD-C-01, 12-GP-01, 12-AC-C-01, 12-GPPort-01, 13-LFPort-C-01, 13-ADDPort-C-01, 12-STDPort-C-01, 12-ACPort-C-01 and 13-SDPort-C-01.
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SLPC 26891 1/18 (exp. 5/22)
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