Help protect
the Scarlet legacy
you've built

with life and long term disability insurance.

Term Life Insurance

Help protect the legacy you've built

Term Life insurance can be an affordable way to help protect your family’s future if something should happen to you. It provides financial support to help your loved ones maintain their lifestyle, cover the mortgage and bills, manage funeral expenses, and meet any other needs they may have.

Plan features

  • Competitive, group-negotiated rates—up to $500,000 in coverage available
  • Coverage available for you and your family
  • Simple online application that takes minutes to apply
  • Uninterrupted coverage no matter where your career takes you, as long 
as you're a Rutgers alum
  • Receive up to 60% of your coverage amount if you become terminally ill*

RUAA Term Life Calculator

Coverage $200,000
Monthly Payment $124.00
$50,000$500,000
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Key life insurance terms explained

Eligibility

All Rutgers alumni are eligible to apply for the Member Term Life plan.

Spouse/domestic partner and dependent children up to 23 years of age are also eligible for coverage. This includes legally adopted children, step-children, and foster children who depend on the alumni member for support and maintenance. Children also include grandchildren if they are considered dependents for federal income tax purposes.

Coverage amounts: Alumni

From $50,000 to a maximum of $500,000, in $10,000 increments.

Coverage amounts: Spouse/Domestic Partner

From $50,000 to $500,000, in $10,000 increments (not to exceed 50% of Alumni amount of insurance).

Note: For alumni and spouses over the age of 70, the maximum amount of coverage is $100,000.

Coverage amounts: Children

Aged 15 days to 6 months: $100; aged 6 months to 23: $4,000.

Accelerated Benefit*

Receive up to 60% of your coverage amount (maximum of $250,000) to help with medical costs, the mortgage, or spending quality time with family if you become terminally ill with a life expectancy of 12 months or less.

This exclusive insurance plan is available to alumni and their family members, providing affordable coverage options designed to help protect the life you’ve built since graduating.

Coverage is offered by The Prudential Insurance Company of America—a trusted name in insurance for over 150 years.