Compare rates and save with the SAF Term Life Plan
	Semiannual premiums for Member and Spouse
	As of June 1, 2010 GROUP TERM LIFE INSURANCE WITH ACCIDENTAL DEATH & DISMEMBERMENT BENEFIT AMOUNT Member Age $40,000 $80,000 $100,000 Under 25 22.64 45.31 56.46 25-29 24.00 48.00 60.00 30-34 26.62 53.23 66.54 35-39 34.99 69.98 87.48 40-44 55.99 111.98 139.98 45-49 84.00 168.00 210.00 50-54 156.00 312.00 390.00 55-59** 240.00 480.00 600.00 Premiums are based on Member’s age when entering the program and increase as the Member reaches a new age bracket. Premiums shown are SEMIANNUAL. You have a choice of annual, semiannual, or quarterly premium billing modes. For annual rates multiply the rate shown above by two; for quarterly rates divide by two. New Yorl Life Insurance Company reserves the right to change rates on a group basis. Rates can be changed on any premium due date and any date on which benefits are changed. Benefits can be changed by agreement betweeen New York Life and the Society of American Foresters. Rates and/or benefits may be changed on a class basis. A class is a group of people with the same age and gender. Rates are based on the attained age of the Insured Person and increase as you enter each new age category. For participants age 60 and over, see the “Reduced Coverage Schedule” below. REDUCED COVERAGE SCHEDULE FOR SAF MEMBERS AGE 60 AND OVER If coverage under age 60 is: $40,000 $80,000 $100,000 It reduces to the amount shown at age 60: 26,400 52,800 66,000 It reduces to the amount shown at age 65: 11,200 22,400 28,000 It reduces to the amount shown at age 70: 4,000 8,000 10,000 Coverage reduces as shown above on the first of the month on or after an insured’s 60th, 65th, and 70th birthdays. Spouse benefits will reduce proportionately with member’s benefit reduction. The Accidental Death & Dismemberment coverage is included until member reaches age 70. The Critical Illness coverage is included until the member reaches age 65. All coverage ends at age 80. Underwritten By New York Life Insurance, New York, NY 10010 Return to SAF Term Life Insurance Plan Information Page