Plan 02

Life Insurance

Permanent coverage that builds cash value over time and stays with you — through a route change, a transfer, or retirement — as long as premiums are paid.

Guaranteed Issue

Can You or Your Family Members Answer "NO" to This One Question?

Medical Question

In the last 2 years, have you had:

COPD  ·  HIV  ·  Heart Attack  ·  Stroke  ·  Insulin-Dependent Diabetes

If you answered "NO" — you are APPROVED!

Now, who can we cover and for how much?

Up to $100,000
Employee
Up to $50,000
Spouse, children & grandchildren (under 26)
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How it works

This is permanent life insurance, not a term policy that expires. Part of your premium builds cash value inside the policy, which grows tax-deferred and is guaranteed to never credit below a stated minimum rate. You can borrow against that value later in life if you need to.

  • Coverage lasts as long as premiums are paid — it doesn't expire at a set age or term length.
  • Cash value grows tax-deferred, guaranteed never to credit below 3% regardless of market conditions.
  • Fully portable. If you leave USPS or retire, the policy and its cash value go with you — no conversion required.
  • Covers multiple dependent children under 18 on a single policy for one flat premium.
  • Dependent policies can convert to permanent insurance later, without new health questions.
  • Guaranteed issue. Just one health question — answer "no" and you're approved automatically.

Good to know

  • Guaranteed issue — one medical question
  • Available to career, PSE, and RCA employees and eligible family members
  • Premiums deducted automatically through PostalEase
  • Builds cash value you can borrow against later
  • Coverage amount and premium are locked in at issue
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Guaranteed minimum growth

Value $0 market-linked years 3% guaranteed floor

Illustrative example only. Actual cash value growth depends on the policy and elections you choose.

Why It Matters

A policy that still works for you after you clock out for the last time.

Group life through your employer usually ends when the job does. This one doesn't — it's yours, it builds value over decades, and it's there for your family regardless of where your career takes you.

The Comparison

How we stack up against union voluntary benefits

Many APWU members already have a union-sponsored term life plan. Here's where it leaves gaps — and how our life policy fills them.

Where Union Plans Fall Short
How Postal Benefits Plan Bridges It
Tied to USPS employment — coverage doesn't go with you if you leave or retire
Fully portable — yours to keep if you leave USPS or retire
Requires medical underwriting to qualify
Guaranteed issue — one medical question, most people approved automatically
Term coverage — can expire or become costlier with age
Permanent coverage, cash value guaranteed never below 3%
Covers spouse and child only
Covers spouse, children, and grandchildren under 26
Restricted to dues-paying APWU members
Available to every USPS employee

See your coverage and cost options

Two minutes of information gets you a callback from a licensed agent.

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