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Whole Life

With Group Whole Life Insurance, your coverage can stay in force for your entire life; giving you peace of mind that your loved ones will have a financial safety net.

The Benefits of CSEA Sponsored Group Whole Life Insurance from Pearl Carroll

  • Level Premiums - rates are determined by age and smoking status upon entry into the plan - rates will not increase as you get older

  • Up to $25,000 in coverage may be available with no medical questions asked!

  • Up to $100,000 in coverage available for Members

  • Spouse and dependent coverage also available

Whole Life Insurance can be a good way to start laying the groundwork for long-term financial security:

  • Because you're guaranteed protection for life (as long as your premiums are paid on time)

  • Because your policy builds cash value over time

  • Because your premiums stay level and don't increase as you get older

As your policy builds cash value, you can take out a loan* on that value (interest rates will apply), or even surrender your policy for Reduced Paid-Up Insurance.

Guess what else? This coverage is portable, which means you can take your policy with you even if you change jobs. So, when we say you can be protected for life, we mean it.

Click here to find your local CSEA Insurance Representative.

Or call toll-free at 1-877-847-2732 to speak with someone in our home office.

Click on a pdf to download an application and Payroll Deduction Card, or to view a brochure with complete plan information, including eligibility, costs, limitations, exclusions and renewability.


Acrobat PDF File  Whole Life Brochure          Acrobat PDF File  Whole Life Application        

Acrobat PDF File  Payroll Deduction Card     Acrobat PDF File  Whole Life Reg 60 Form

If you choose to download an application be sure to:

  1. Complete the application in full; including a date and signature
  2. Download and complete a Payroll Deduction Card (above)
  3. Mail your completed application and Payroll Deduction Card to:

Pearl Carroll & Associates

12 Cornell Rd.

Latham, NY 12110

CSEA Sponsored Group Whole Life Insurance is underwritten by New York Life Insurance Company - 51 Madison Avenue, New York, NY on Policy Form GMR. New York Life Insurance Company is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico, and Canada. However, not all group plans it underwrites are available in jurisdictions. Please check the plan details section for current availability. New York Life Insurance Company's state of domicile is New York, and NAIC ID# is 66915.

*Loans reduce the death benefit and cash value by the amount of the outstanding loan and interest.



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