New Applicants

We are accepting new life insurance applications.

We understand it may be difficult to obtain the lab work and paramedical exams that are typically required to underwrite an application. So we have arranged for temporary accommodations that will allow you to provide recent labs and medical reports from your own doctor or other insurance application to underwrite your application.

These arrangements will remain in place through June, so we encourage you to act promptly.

Apply online today

Already Applied?

As a result of the Covid-19 health crisis, you may encounter obstacles to completing your life insurance application, such as your lab work or paramedical examination.

New York Life has made accommodations that may enable you to be underwritten without lab work or a paramedical exam.  As a result:

  • You may be asked to provide other recent insurance lab and exam results or those from routine physician examinations.
  • You may be contacted by an underwriter for an applicant statement and/or an Attending Physician Statement for additional or clarifying information.
  • You may submit your own reports obtained through a patient portal or other physician-provided documentation.

These arrangements will remain in place through June, so we encourage you to act promptly.

Please contact us with questions. We are available during our normal business hours (8:30AM – 6:00PM Weekdays) to answer calls and emails.

The following highlights can help you decide if Life to 95  is right for you:

  • Lots of choices. Insurance amounts from $20,000 to $100,000.
  • Great rates. Compare very favorably with other plans.
  • Automatic premium payment option – straight from your bank account with no surcharge.
  • Underwritten by New York Life Insurance Company.


SMRU#: 1757835

Who may apply?

Alumni/ae and their spouses and domestic partners may apply. Each must be at least age 50 but under 76 when applying and have a permanent home address in the United States. Your spouse or domestic partner may apply—even if you do not.

How much insurance is offered?

  • Minimum: $20,000.
  • Maximum: $100,000. In $1,000 increments.

At age 75 your insurance amount reduces by 50% to a maximum of $20,000. If you become insured at age 75, your maximum coverage is $20,000.
If you decide that you need more than $100,000 maximum of this Life to 95 plan, click here, call 800-635-7801 or email

How can my insurance be increased?

You may apply for more insurance at any time while you are under age 76, subject to the plan maximum.

How can my insurance be reduced?

You may reduce your insurance through a simple signed request. Your coverage and premium are then reduced accordingly. Your insurance concludes at age 95.

What is not covered?

Death by suicide within the first two years is the only exclusion.

What is a "Living Benefit"?

A Living Benefit is designed to help a terminally ill patient during a difficult and often financially draining time. A person under age 70, insured for at least 30 days* and diagnosed with a life expectancy of 24 months or less, may request that up to 50% of the insurance amount be paid while he or she is still living. The remainder continues as life insurance.**

*No waiting period for an accident.
** A Living Benefit payment is not taxable under current U.S. federal law. However, receipt of Living Benefits (technically “Accelerated Death Benefits”) may affect eligibility for public assistance programs, so you should consult an advisor.

What are the premiums?

Your premium is based on your sex and age when coverage begins, and it increases as you enter each new five-year age bracket. For complete premium charts, click here.

How do I apply?

Determine how much insurance you need. The Life to 95  plan offers coverage amounts between $10,000 and $100,000, in $1,000 increments. If you seek more than $100,000 in coverage, call 800-635-7801, or email

Request a free quote and an application for yourself or your spouse or domestic partner.

Send no money now. If your application is approved and you pay your first premium, you receive a Certificate with the details of your coverage. If you are not fully satisfied, simply return your Certificate within 30 days for a full refund.

What are my payment choices?

Monthly automatic withdrawal from your bank. You do not write checks or worry about paying late. There is no processing fee for this convenience.

Semiannual bills payable by check. Semiannual premiums are six times monthly premiums. A fee of $6, subject to change, is added to each bill. To continue insurance, premiums must be paid on time. Therefore, monthly automatic withdrawal is recommended, but you can change your choice if you change your mind.

How is my application evaluated?

Acceptance is based on your current health, your health history, and other information you provide on your application. A physical examination is not routinely required, but when needed, it is conducted by a medical professional who visits at your convenience—usually at your home or business—at no cost to you. If more medical information is needed, it is requested from you or your medical providers.

When does my insurance begin and end?

Coverage (and any increase) usually begins on the day your application is approved if you are able to perform normal activities.*** If you receive approval, you may request a different effective date, such as when existing insurance ends or a new financial obligation begins. This term insurance continues to age 95 unless premiums are not paid on time or the policy ends.

***This means you must be able to perform the normal activities of a person of like sex and age with like occupation or retired status. If not, insurance begins on the day normal activities begin.


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All States

Life to 95 is not available in the following states:

Beneficiary designation / change form


Life to 95 Brochure and rates




Women are busy. So busy, in fact, that they may not stop to plan for their future. As economic contributors, caregivers of children and elderly parents, and household managers, women shoulder a large share of family responsibilities.

Women and Life Insurance


New York Life Insurance Company is the largest mutual life-insurance company in the United States, and one of the largest life insurers in the world. New York Life remains one of only two life insurers with the highest financial strength ratings currently awarded to any U.S. life insurer by all four of the major rating agencies, out of 800 life insurers operating in the United States today.

Rating Service: A.M. Best Moody’s Standard & Poors Fitch Ratings
Rating:* A++
(highest quality)
(very strong)
(exceptionally strong)

*Individual independent rating agency commentary as of 9/12/19.

Insurance is underwritten by New York Life Insurance Company (NAIC 66915), 51 Madison Avenue, New York, NY 10010 on Policy Form GMR-FACE/G-30790-0 (previously G-16000-95) to the Collegiate Alumni Trust. New York Life Insurance Company is domiciled in the State of New York and is licensed to do business in the 50 United States, the District of Columbia, Puerto Rico, and Canada. Information sent will include details of coverage, including exclusions and renewability. Eligibility is limited; to learn more, click here. For a list of licensed agents, click here.


If you need a quote or an application or simply have questions, call 800-635-7801 or email Trained customer service representatives will be happy to provide the information you need. And naturally you’ll be under no obligation.

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