Plan Details

One of the reasons Life insurance is an important part of a sound financial plan is because it helps 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 50% of member coverage level (not to exceed $100,000)
    • Dependents coverage: $5,000 benefit for each eligible dependent

Benefits You Can Use Now

Provides access to helpful online tools and services included with CTA-endorsed Life insurance plans.
Extra travel protection and helpful services for you and your family.

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

Pays up to $5,000 for expenses incurred in transporting the remains of a covered CTA member who dies more than 200 miles from their primary residence.
 

Career Adjustment Benefit

Up to $5,000 per year will be paid to a spouse/domestic partner who,  within 48 months after the date of your loss of life, is a registered student in attendance at a professional  or trades training program for the purpose of obtaining employment or increasing earnings. Maximum benefit is $20,000 or 40% of the AD&D benefit, whichever is less, over 48 consecutive months. 

Higher Education Benefit

Up to $5,000 per year towards the tuition of each child who, within 12 months after the date of your loss of life, is a registered, full-time student attending a licensed and  accredited institution of higher education. The maximum benefit is $20,000 or 40% of the AD&D benefit,  whichever is less, within 48 consecutive months.

Child Care Benefit

Covers the cost of providing care for children under age 13 within 36 months of loss of your life while a surviving spouse/domestic partner or court appointed legal guardian obtains additional career training. Benefits are up to $5,000 per year, or the cumulative total of $10,000 or 25% of the AD&D benefit, whichever is less.  

Seat Belt Benefit

Pays an additional benefit of up to $10,000 (not to exceed the AD&D amount) if your covered loss is the result of a covered automobile accident and you were wearing and properly utilizing  a seat belt as demonstrated by the police report.

Air Bag Benefit

Pays an additional benefit of up to $5,000 (not to exceed AD&D amount) if your covered loss is the result of a covered automobile accident for which a Seat Belt Benefit is payable.

Ready to Apply?
CTA members can apply for coverage anytime with proof of good health.