CTA-endorsed Life Insurance
One of the reasons Life insurance is an important part of a sound financial plan is because it may help protect your loved ones if something happens to you. With CTA-endorsed Life insurance, you can feel confident that your loved ones will have help in the event of your passing — and you can benefit from this valuable coverage now and in the future.
- Coverage options from $25,000 to $400,000
- Matching AD&D coverage (up to $200,000)
- Family coverage options:
- Spouse coverage: up to 1/2 of member coverage level (not to exceed $100,000)
- Dependents coverage: $5,000 benefit for each eligible dependent
- Life Services Toolkit1 — Access to helpful online tools and services included with CTA-endorsed Life insurance plans
- Travel Assistance2 — Extra travel protection and helpful services for you and your family
Watch this quick video about the CTA-endorsed Life insurance plan:
Additional Benefits
- Accelerated Benefit provides advance payments of up to 80% of the amount of Life Insurance in force if you provide satisfactory proof to The Standard that, while insured, you have been diagnosed with a terminal illness with a life expectancy of less than 12 months.3
- Qualified Disability Benefit provides payment of up to 60% of the amount of Life Insurance in force if you provide satisfactory proof to The Standard that, while insured, you are unable to perform two or more activities of daily living.3
- Additional Repatriation Benefit of up to $5,000 to pay expenses incurred in transporting the remains of a covered CTA member who dies more than 200 miles from their primary residence.
1 The Life Services Toolkit is provided through an arrangement with Morneau Shepell and is not affiliated with The Standard. Morneau Shepell is solely responsible for providing and administering the included service. This service is not an insurance product.
2 Travel Assistance is provided by Generali Global Assistance. Generali Global Assistance (GGA) is the marketing name used by GMMI, Inc. for their services, which is not affiliated with The Standard. Travel Assistance is subject to the terms and conditions, including exclusions and limitations of the Travel Assistance Program Description. GGA is solely responsible for providing and administering the included service. Travel Assistance is not an insurance product. This service is only available while insured under The Standard’s group policy.
3 The amount paid under the benefit reduces the amount of the Life Insurance benefit paid upon your death.
Life Insurance Plan Premium Amounts
The rates are based on your age, the amount of Life insurance selected and the frequency of benefit deductions in your district.
Quickly calculate your Disability and Life Insurance Premium Amounts together.
Download the Premium Amounts for Educators flyer.
Premiums in bold text are calculated as monthly amounts; premiums in regular text are calculated as eleventhly (second row) and tenthly (third row) amounts.
| Age | $25,000 | $50,000 | $75,000 | $100,000 | $150,000 |
|---|---|---|---|---|---|
| Under 25 | $1.50 $1.64 $1.80 |
$3.00 $3.27 $3.60 |
$4.50 $4.91 $5.40 |
$6.00 $6.55 $7.20 |
$9.00 $9.82 $10.80 |
| 25 – 29 | $1.75 $1.91 $2.10 |
$3.50 $3.82 $4.20 |
$5.25 $5.73 $6.30 |
$7.00 $7.64 $8.40 |
$10.50 $11.45 $12.60 |
| 30 – 34 | $2.00 $2.18 $2.40 |
$4.00 $4.36 $4.80 |
$6.00 $6.55 $7.20 |
$8.00 $8.73 $9.60 |
$12.00 $13.09 $14.40 |
| 35 – 39 | $2.50 $2.73 $3.00 |
$5.00 $5.45 $6.00 |
$7.50 $8.18 $9.00 |
$10.00 $10.91 $12.00 |
$15.00 $16.36 $18.00 |
| 40 – 44 | $3.25 $3.55 $3.90 |
$6.50 $7.09 $7.80 |
$9.75 $10.64 $11.70 |
$13.00 $14.18 $15.60 |
$19.50 $21.27 $23.40 |
| 45 – 49 | $4.50 $4.91 $5.40 |
$9.00 $9.82 $10.80 |
$13.50 $14.73 $16.20 |
$18.00 $19.64 $21.60 |
$27.00 $29.45 $32.40 |
| 50 – 54 | $8.25 $9.00 $9.90 |
$16.50 $18.00 $19.80 |
$24.75 $27.00 $29.70 |
$33.00 $36.00 $39.60 |
$49.50 $54.00 $59.40 |
| 55 – 59 | $10.25 $11.18 $12.30 |
$20.50 $22.36 $24.60 |
$30.75 $33.55 $36.90 |
$41.00 $44.73 $49.20 |
$61.50 $67.09 $73.80 |
| 60 – 64 | $13.00 $14.18 $15.60 |
$26.00 $28.36 $31.20 |
$39.00 $42.55 $46.80 |
$52.00 $56.73 $62.40 |
$78.00 $85.09 $93.60 |
| 65 – 69 | $25.50 $27.82 $30.60 |
$51.00 $55.64 $61.20 |
$76.50 $83.45 $91.80 |
$102.00 $111.27 $122.40 |
$153.00 $166.91 $183.60 |
| 70+ | $25.50 $27.82 $30.60 |
$51.00 $55.64 $61.20 |
$76.50 $83.45 $91.80 |
$102.00 $111.27 $122.40 |
$153.00 $166.91 $183.60 |
| Age | $200,000 | $250,000 | $300,000 | $350,000 | $400,000 |
|---|---|---|---|---|---|
| Under 25 | $12.00 $13.09 $14.40 |
$14.00 $15.27 $16.80 |
$16.00 $17.45 $19.20 |
$18.00 $19.64 $21.60 |
$20.00 $21.82 $24.00 |
| 25 – 29 | $14.00 $15.27 $16.80 |
$16.50 $18.00 $19.80 |
$19.00 $20.73 $22.80 |
$21.50 $23.45 $25.80 |
$24.00 $26.18 $28.80 |
| 30 – 34 | $16.00 $17.45 $19.20 |
$19.00 $20.73 $22.80 |
$22.00 $24.00 $26.40 |
$25.00 $27.27 $30.00 |
$28.00 $30.55 $33.60 |
| 35 – 39 | $20.00 $21.82 $24.00 |
$24.00 $26.18 $28.80 |
$28.00 $30.55 $33.60 |
$32.00 $34.91 $38.40 |
$36.00 $39.27 $43.20 |
| 40 – 44 | $26.00 $28.36 $31.20 |
$31.50 $34.36 $37.80 |
$37.00 $40.36 $44.40 |
$42.50 $46.36 $51.00 |
$48.00 $52.36 $57.60 |
| 45 – 49 | $36.00 $39.27 $43.20 |
$44.00 $48.00 $52.80 |
$52.00 $56.73 $62.40 |
$60.00 $65.45 $72.00 |
$68.00 $74.18 $81.60 |
| 50 – 54 | $66.00 $72.00 $79.20 |
$81.50 $88.91 $97.80 |
$97.00 $105.82 $116.40 |
$112.50 $122.73 $135.00 |
$128.00 $139.64 $153.60 |
| 55 – 59 | $82.00 $89.45 $98.40 |
$101.50 $110.73 $121.80 |
$121.00 $132.00 $145.20 |
$140.50 $153.27 $168.60 |
$160.00 $174.55 $192.00 |
| 60 – 64 | $104.00 $113.45 $124.80 |
$129.00 $140.73 $154.80 |
$154.00 $168.00 $184.80 |
$179.00 $195.27 $214.80 |
$204.00 $222.55 $244.80 |
| 65 – 69 | $204.00 $222.55 $244.80 |
$254.00 $277.09 $304.80 |
$304.00 $331.64 $364.80 |
$354.00 $386.18 $424.80 |
$404.00 $440.73 $484.80 |
| 70+ | $204.00 $222.55 $244.80 |
$254.00 $277.09 $304.80 |
$304.00 $331.64 $364.80 |
$354.00 $386.18 $424.80 |
$404.00 $440.73 $484.80 |
Note: Frequency of required premium payments (monthly, etc.) is determined by your employer. While monthly, eleventhly and tenthly are common deduction frequencies, your district may deduct premiums on an alternative frequency.
When Can I Apply?
As a CTA member, you can apply for coverage up to $400,000 at any time by providing satisfactory proof of good health. In some circumstances, you may be eligible to apply for up to $200,000 of Life insurance coverage without having to provide proof of good health, such as:
- Newly Hired Members
Newly hired educators who apply for coverage within 270 days of starting work. - Newly Eligible Members
Members who become eligible for coverage for the first time who apply within 270 days of becoming newly eligible. For example, a job classification change that makes you newly eligible for coverage. - Members Who Change Districts
Members who changed school districts and apply within 270 days of their date of hire have the opportunity to continue their existing coverage or they can apply for Disability Insurance under the new employment opportunity described above. - Family Change
Members who apply for coverage within 60 days following the date of a family status change, such as birth, adoption, marriage, divorce, loss of spousal employment, or other qualifying event.
In addition, there may be other opportunities for you to add coverage, including special chapter enrollment campaigns.
Ways to Apply
- Online: complete an online application and receive a confirmation email immediately.
- Mail/Fax: download a printable form, complete and mail or fax it to The Standard (address and fax number can be located at the top of the form).
- Email:1 scan and email your application to ctaservice@standard.com.
- Phone: call our dedicated CTA Customer Service Department at 800.522.0406 (TTY), Monday through Friday, 7 a.m. to 6 p.m.
Before applying for coverage, please make sure to review the Terms and Conditions.
1 Please note that email may not be a secure transmission unless you have the capability to encrypt your email when sent. Information once received by The Standard is protected.
