Protect your family’s future, even if you cannot be there.

Do you have life insurance to help your loved ones cover funeral expenses and outstanding bills?

The death of a loved one is always a highly emotional event. Grief can make even the simplest decisions more difficult. To give you and your loved ones peace of mind and to lessen the stress surrounding such a difficult time, AFSPA offers a comprehensive package of life insurance policies for our members’ unique needs.

Group Term Life Insurance is a term life insurance plan only offered to AFSPA members. The Accidental Death and Dismemberment (AD&D) policy covers accidental death and loss due to injuries. The Immediate Benefit Plan is an exclusive plan offered only to a subset of AFSPA members in select agencies as a way to ensure your family’s access to money for immediate expenses in the event of your passing. All of these plans are underwritten by the Prudential Insurance Company of America.

Learn more about your options and how to estimate coverage of your needs by browsing through the tabs above. All three plans may be purchased, depending on your needs and eligibility. There is no need to wait for a special “open enrollment” period for life insurance or AD&D coverage. Apply or enroll today using the forms at the bottom of this page.

The information shared here is not the insurance contract. The information in the tabs here provides a general overview of the important provisions of the master policies. Policy provisions for the pertinent plan will prevail if there is a conflict between the policy and the website.


AFSPA’s Group Term Life Insurance Plan is flexible. Here’s what you need to know:

  • You can keep this plan even if you leave government service.
  • Benefits are payable after a death for any cause, including acts of war (declared or undeclared) or terrorism.
  • Coverage is available from $20,000 to $600,000, in increments of $10,000.
  • The plan offers family coverage; in addition, your spouse and dependent children age 19 and older may purchase their own policies.
  • This plan may be purchased to supplement your FEGLI plan, or as a stand-alone policy.
  • The plan includes the Accelerated Benefit Option, which means that the plan will pay benefits while you are still living, for instance, to cover medical expenses not covered by health insurance when you or a loved one is seriously ill.
  • As a term life insurance policy, the plan requires you to complete a simple health questionnaire as part of the application process.
  • Once you are approved, the policy cannot be cancelled as long as you pay the premium; however, the coverage automatically cancels at age 80.

 

To estimate the most appropriate coverage for you and your loved ones, please visit Prudential’s Life Needs Estimator.

 

To apply for coverage today:

No need to wait for an open enrollment period!  You can apply at any time. 

Both current and new AFSPA members simply complete and return the form at the bottom of this page. For quicker service, please upload the completed form securely here. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.


Our Group Accidental Death and Dismemberment plan (AD&D) offers coverage up to $600,000 to cover severe or fatal accidents that can happen anywhere in the world. Like our life insurance policy, AD&D also offers family coverage. While this plan excludes injuries suffered as a result of war (declared or undeclared), it does cover terrorism. It also:

  • Covers loss due to coma.
  • Covers loss of limbs, paralysis, speech, or hearing.
  • Pays a benefit to cover day care expenses.
  • Pays a benefit to cover your spouse’s tuition.
  • Includes a one-time home alteration and vehicle modification benefit.

 

To enroll in coverage today:

No need to wait for an open enrollment period! You can enroll at any time. 

Both current and new AFSPA members simply complete and return the form at the bottom of this page.  For quicker service, please upload the completed form via our secure AD&D Insurance form. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.


AFSPA offers an exclusive term life insurance plan especially for our members employed in participating agencies.* 

Typically, a life insurance policy will take weeks or months to deliver benefits. Insurance companies require a death certificate, which can be delayed for months when death occurs in another country. The Immediate Benefit Plan will process the enrollee’s benefit of $15,000 ($7,500 if over age 70) within two business days after AFSPA receives the official notice of death from the employee’s agency. The money can be used for immediate costs such as funeral arrangements, final medical bills, visits from family and friends, and travel.

The premium for this plan is made via a flat, low payroll deduction of just $2.00 per pay period.

Eligible members may enroll only through a qualifying event, including within 60 days of hire, upon receipt of their first overseas assignment, or during an open enrollment period. At other times, you may apply, but a health statement questionnaire will be required.

*This plan is available only to active duty, U.S. citizen, direct hire Foreign Service and Civil Service employees of the following agencies:

  • Department of State.
  • U.S. Agency for International Development.
  • Broadcasting Board of Governors.
  • Foreign Agricultural Service.
  • U.S. and Foreign Commercial Service (only available to Foreign Service employees of this agency).

 

To apply for coverage today:

No need to wait for an open enrollment period!  You can apply at any time. 

Both current and new AFSPA members simply complete and return the form at the bottom of this page.  For quicker service, please upload the completed form via our secure Immediate Benefit Plan form. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership in AFSPA? Check.

Overview

Protect your family’s future, even if you cannot be there.

Do you have life insurance to help your loved ones cover funeral expenses and outstanding bills?

The death of a loved one is always a highly emotional event. Grief can make even the simplest decisions more difficult. To give you and your loved ones peace of mind and to lessen the stress surrounding such a difficult time, AFSPA offers a comprehensive package of life insurance policies for our members’ unique needs.

Group Term Life Insurance is a term life insurance plan only offered to AFSPA members. The Accidental Death and Dismemberment (AD&D) policy covers accidental death and loss due to injuries. The Immediate Benefit Plan is an exclusive plan offered only to a subset of AFSPA members in select agencies as a way to ensure your family’s access to money for immediate expenses in the event of your passing. All of these plans are underwritten by the Prudential Insurance Company of America.

Learn more about your options and how to estimate coverage of your needs by browsing through the tabs above. All three plans may be purchased, depending on your needs and eligibility. There is no need to wait for a special “open enrollment” period for life insurance or AD&D coverage. Apply or enroll today using the forms at the bottom of this page.

The information shared here is not the insurance contract. The information in the tabs here provides a general overview of the important provisions of the master policies. Policy provisions for the pertinent plan will prevail if there is a conflict between the policy and the website.

Life Insurance

AFSPA’s Group Term Life Insurance Plan is flexible. Here’s what you need to know:

  • You can keep this plan even if you leave government service.
  • Benefits are payable after a death for any cause, including acts of war (declared or undeclared) or terrorism.
  • Coverage is available from $20,000 to $600,000, in increments of $10,000.
  • The plan offers family coverage; in addition, your spouse and dependent children age 19 and older may purchase their own policies.
  • This plan may be purchased to supplement your FEGLI plan, or as a stand-alone policy.
  • The plan includes the Accelerated Benefit Option, which means that the plan will pay benefits while you are still living, for instance, to cover medical expenses not covered by health insurance when you or a loved one is seriously ill.
  • As a term life insurance policy, the plan requires you to complete a simple health questionnaire as part of the application process.
  • Once you are approved, the policy cannot be cancelled as long as you pay the premium; however, the coverage automatically cancels at age 80.

 

To estimate the most appropriate coverage for you and your loved ones, please visit Prudential’s Life Needs Estimator.

 

To apply for coverage today:

No need to wait for an open enrollment period!  You can apply at any time. 

Both current and new AFSPA members simply complete and return the form at the bottom of this page. For quicker service, please upload the completed form securely here. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.

AD&D

Our Group Accidental Death and Dismemberment plan (AD&D) offers coverage up to $600,000 to cover severe or fatal accidents that can happen anywhere in the world. Like our life insurance policy, AD&D also offers family coverage. While this plan excludes injuries suffered as a result of war (declared or undeclared), it does cover terrorism. It also:

  • Covers loss due to coma.
  • Covers loss of limbs, paralysis, speech, or hearing.
  • Pays a benefit to cover day care expenses.
  • Pays a benefit to cover your spouse’s tuition.
  • Includes a one-time home alteration and vehicle modification benefit.

 

To enroll in coverage today:

No need to wait for an open enrollment period! You can enroll at any time. 

Both current and new AFSPA members simply complete and return the form at the bottom of this page.  For quicker service, please upload the completed form via our secure AD&D Insurance form. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.

Immediate Benefit Plan

AFSPA offers an exclusive term life insurance plan especially for our members employed in participating agencies.* 

Typically, a life insurance policy will take weeks or months to deliver benefits. Insurance companies require a death certificate, which can be delayed for months when death occurs in another country. The Immediate Benefit Plan will process the enrollee’s benefit of $15,000 ($7,500 if over age 70) within two business days after AFSPA receives the official notice of death from the employee’s agency. The money can be used for immediate costs such as funeral arrangements, final medical bills, visits from family and friends, and travel.

The premium for this plan is made via a flat, low payroll deduction of just $2.00 per pay period.

Eligible members may enroll only through a qualifying event, including within 60 days of hire, upon receipt of their first overseas assignment, or during an open enrollment period. At other times, you may apply, but a health statement questionnaire will be required.

*This plan is available only to active duty, U.S. citizen, direct hire Foreign Service and Civil Service employees of the following agencies:

  • Department of State.
  • U.S. Agency for International Development.
  • Broadcasting Board of Governors.
  • Foreign Agricultural Service.
  • U.S. and Foreign Commercial Service (only available to Foreign Service employees of this agency).

 

To apply for coverage today:

No need to wait for an open enrollment period!  You can apply at any time. 

Both current and new AFSPA members simply complete and return the form at the bottom of this page.  For quicker service, please upload the completed form via our secure Immediate Benefit Plan form. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership in AFSPA? Check.

FAQs (3)

What do I need to know about direct debit enrollments, changes, and cancellations?

Due to security and concerns for protecting your privacy, ALL Direct Debit enrollments/changes will be handled through the AFSPA Member Portal.

Three e-mails will be generated: (1) an e-mail containing a secure PDF of your signed enrollment for your records; (2) an acceptance e-mail from the AFSPA Accounting Team that your Direct Debit has been processed and accepted; and (3) an e-mail when the first debit has occurred from your bank account.

All changes made online to your Direct Debit will be confirmed via e-mail.

You can also use the edit button to change bank information quickly and immediately.

To cancel direct debit, send a request via email or our secure forms page and indicate the date on which direct debiting should be cancelled. 

 

I have Federal Employee Group Life Insurance (FEGLI). Why should I purchase additional life insurance?

For most Federal employees, FEGLI automatically covers your annual pay, rounded to the nearest $1,000, plus an additional $2,000. FEGLI offers the options of purchasing additional coverage and of covering family members. If you did not purchase any of the optional FEGLI coverage as a new hire, and if you do not purchase any of the optional coverage within the statutory timeframe around a qualifying life event, open enrollment seasons are few and far between. There is one in 2016, but the last one was in 2004. (For more information about FEGLI, please see OPM’s Life Insurance Booklet.)

All AFSPA members can apply for an AFSPA life insurance plan at any time. Equally important, AFSPA’s Group Term Life Insurance policy covers deaths from war and terrorism. Perhaps you were previously happy with your FEGLI coverage, but your needs have changed because of a new assignment, growth of your family, or a change in your personal financial situation. Consider applying for our policy to provide peace of mind for you and your family into the future.

In addition, AFSPA’s Accidental Death and Dismemberment (AD&D) plan can be purchased separately to supplement your FEGLI insurance. It covers accidental deaths and loss due to severe injuries, including when these incidents involve terrorism. Like our life insurance plan, AFSPA’s AD&D policy includes family coverage options as well.

Finally, AFSPA offers an Immediate Benefit Plan to ensure a benefit of $15,000 ($7,500 if over age 70) will be processed by Prudential within 2 days of AFSPA’s receipt of notice of death. This plan is only available to active duty, U.S. citizen, direct hire Foreign Service and Civil Service employees of the following agencies:

  • Department of State.
  • U.S. Agency for International Development.
  • Broadcasting Board of Governors.
  • Foreign Agricultural Service.
  • U.S. and Foreign Commercial Service (only available to Foreign Service employees of this agency).
What are the differences between Group Term Life Insurance, AD&D, and the Immediate Benefit Plan?
   Group Term Life Insurance  Accidental Death and Dismemberment (AD&D)  Immediate Benefit Plan
 Overview General policy covers death from any cause. Policy covers accidental death and loss due to severe injuries. Exclusive plan for active employees in participating agencies that issues payment within 48 hours of notice.
 War & Terrorism Both are covered. War is excluded; terrorism is covered. Both are covered.
 Benefits Between $20,000 and $600,000, in increments of $10,000. Between $10,000 and $600,000, in increments of $10,000. A one-time payment of $15,000, or $7,500 if the insured is over the age of 70. Benefits are processed within 48 hours of AFSPA's notification of death.
 Premium Premiums depend on age; see plan brochure (PDF below). For self only, annual premium is $0.66 for each $1,000 of coverage. For any combination of self plus spouse/ dependent/ family, annual premium is $0.88 for each $1,000 of coverage. Premiums are paid through a payroll deduction: a flat fee of $2 per pay period.
 Family Coverage

Is available. Spouse and dependent children ages 19 and over can also apply for coverage in their own name.

Is available. Spouse and dependent children ages 19 and over can also apply for coverage in their own name. Not available.
 Effective Date You will be notified of effective date following approval of your application. The first day of the month following AFSPA's receipt of enrollment forms.  The first day of the month following AFSPA's receipt of initial $2.00 payroll deduction.
 Eligibility All AFSPA members and family members. All AFSPA members and family members. 

Employees of:

  • State Department
  • USAID
  • BBG
  • Foreign Agricultural Service
  • Foreign Service employees of USFCS

All three plans may be purchased, depending on your needs. 

 

FORMS & BROCHURES (12)

Form

Description

Action

Life Insurances Question
Life/AD&D Plan Question Form
Immediate Benefit Plan Question
Immediate Benefit Plan Question Form
Non FSBP Direct Debit Request
Non FSBP Direct Debit Request for use with Life AD&D, Dental, Disability and Long Term Care Plans
Immediate Benefit Plan Beneficiary Form
Immediate Benefit Plan Beneficiary Form
IBP Brochure
Immediate Benefit Plan Brochure
AD&D Certificate Booklet
AD&D Certificate Booklet
Group AD&D Brochure and Enrollment Form
Group AD&D Brochure and Enrollment Form
Group Life and ADD Beneficiary Change Form
Change of Beneficiary Form
Life Insurance Health Statement Questionaire
Life Insurance Health Statement Questionaire
Group Life Certificate Booklet
Group Life Certificate Booklet
Group Life Insurance Brochure and Enrollment Form
Group Life Insurance Brochure and Enrollment Form
IBP Enrollment Form
Immediate Benefit Plan Enrollment Form