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Founded by the ABA in 1942, the American Bar Endowment is a §501(c)(3) not-for-profit organization composed of Members of the American Bar Association. State-specific application for members in Florida, Illinois, Indiana, Kentucky, Maine, Minnesota, Missouri, North Dakota, New York, Vermont.
If you don't yet have life insurance or your coverage hasn't kept pace with the changes in your life, now is the time to apply for coverage. As long as you are an ABA member, you may choose any benefit amount from $100,000 to $2,000,000 in $10,000 increments. Provided you are insured or applying for coverage under this plan, you may choose to apply for any spouse or domestic partner benefit amount from $100,000 to $2,000,000 in $10,000 increments (minimum of $100,000).
The ABE-sponsored 10-Year or 20-Year Level Term Plus Life Insurance Plans offer life insurance protection with premiums that are guaranteed for an initial 10-year or 20-year period, and level amounts of insurance until termination at age 75.
To help your family cope with the financial hardship of a terminal illness, you can apply to receive 50% of the insured’s total life insurance in force if the insured is diagnosed by a physician as terminally ill with a life expectancy of 24 months or less.
To make coverage even more affordable at higher benefit levels, increasing volume discounts apply to coverages of $100,000 to $249,000, $250,000 to $499,000, $500,000 to $999,000 and $1,000,000 and over. Your 10-Year or 20-Year Level Term Life Insurance will go into effect on the first day of the month after your application is approved by New York Life, provided you pay your initial premium within 31 days after being billed and the proposed covered person is performing the normal activities of a person of like age on the effective date. After two years from the effective date, your coverage is incontestable, except for provisions related to eligibility and nonpayment of premium contributions.
Under the Waiver of Premium option, premiums are not waived if disability is the result of attempted suicide or self-inflicted injury. To better meet members' needs we also have availableA the ABE-sponsored 5-Year Banded Term Life Insurance Plan.
MIB and other insurance companies may also furnish New York Life, its subsidiaries or the ABE with non-medical information (such as driving records, past convictions, hazardous sport or aviation activity, use of alcohol or drugs, and other applications for insurance). New York Life may release this information to ABE, other insurance companies to which you may apply for insurance, or to which a claim for benefits may be submitted and to others whom you authorize in writing.A  However, this will not be done in connection with test results concerning Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV).
THIS IS A SUMMARY of the principal provisions of these group insurance plans offered through American Bar Endowment for its members.


OUR VISION: Making a difference by funding programs that advance the American justice system and the rule of law.
OUR MISSION: To generate funds for the support of law-related research, educational and public service projects by building and sustaining the Legal Legacy Fund and by sponsoring insurance and other programs for the legal profession that encourage charitable giving.
ABE makes annual grants to the American Bar Foundation and ABA Fund for Justice and Education to fulfill ABE's charitable purpose of improving the administration of justice, one of our profession's highest obligations, by funding research, public service and educational projects in the field of law.
The approximate percentage of premium available for refund (if any) on each plan will be published in each November issue of the ABA Journal.
ABE-sponsored 10- and 20-Year Level Term Life Insurance Plans offer a death benefit large enough to make a real difference to your family as well as competitive rates you can lock in for the next ten or twenty years. If you are under age 65 for the 10-Year Level Term Life Plan or under age 55 for the 20-Year Level Term Life Plan and reside in the United States, District of Columbia, Puerto Rico (SeeA It's Easy to Apply, below), or the U.S. You have two renewal options after the 10-year or 20-year term ends: 1) You can reapply for a new 10-year or 20-year term if you are under age 65 for the 10-Year Level or under age 55 for the 20-Year Level Term Life Plan and still meet eligibility requirements.
The request must be made at least 12 months prior to the scheduled termination age, and the amount of insurance payable after the insured’s death will be reduced by this payment. As long as you maintain your membership in the American Bar Association, make the required premium payments when due, and the 10-Year or 20-Year Level Term Life Insurance Plan is not terminated by ABE or New York Life, you may continue your ABE 10-Year or 20-Year Level Term Life Insurance until the May 31st on or next following your 75th birthday. Coverage for your dependents, if approved, goes into effect when the member’s coverage does. Incontestibility terms of your new certificate for a subsequent term of guaranteed rates are activated on the effective date of the new term of guaranteed rates. If you decide not to participate, simply return it within 30 days without claim, and coverage will be invalidated. A In considering whether the person(s) in your request for insurance qualify for insurance, we will rely on the medical information you provide, and on the information you AUTHORIZE us to obtain from your physician, other medical practitioners and facilities, other insurance companies to which you have applied for insurance and MIB, Inc. The information provided may include information that may predate the time frame stated on the medical questions section, if any, on this application. A We may also make a brief report of your protected health information to MIB, but we will not disclose our underwriting decision.


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With up to $2 million of protection available, now is the time to be sure you have the coverage you need to help secure your family's financial future. This benefit can be paid only once, and will reduce the insured’s life insurance by such amount. Benefits are payable for death from any cause except suicide during the first two years of the policy.
This information may be used during the underwriting and claims processes, where permitted by law. The complete terms of the plans are set forth in the Group Policy G-29104-0 (10YLT) & G-29168-0 (20YLT) issued by New York Life Insurance Company to the American Bar Endowment. The total amount of coverage under all ABE-Sponsored Term Life Insurance Plans may not exceed $2,000,000.
Incontestibility terms for your new certificate for a subsequent term of guaranteed rate are activated on the effective date of the new term of guaranteed rates. Dependent coverage will not become effective prior to the effective date of the member’s insurance.
2) You can continue your existing coverage until you reach age 75, but on a non-guaranteed rate basis, under which premium contributions increase as you age. Under this option, you are not required to reapply, and you are not subject to medical underwriting requirements.



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