Alpa Term Life Insurance: Free For Members?

ALPA, which stands for Air Line Pilots Association, offers a range of insurance plans to its members, including term life insurance. While the specific costs of these insurance plans are not publicly available, ALPA does offer voluntary supplemental insurance to all members in good standing in both the United States and Canada. These plans are designed by pilots, for pilots, and include options such as disability insurance, life insurance, critical illness coverage, and more. ALPA also provides access to a Long-Term Care Insurance exchange, offering various LTCi plans depending on the member's state of residence.

ALPA insurance plans

ALPA offers voluntary supplemental insurance to all members in good standing in both the United States and Canada. Their insurance plans are designed by pilots, for pilots.

Life Insurance Plans

ALPA offers group annual renewal term life insurance with guaranteed issue, meaning no medical exam or blood work is required. This plan provides up to $500,000 in coverage for eligible members under 65 who are employed by an ALPA airline, hold a valid FAA certificate, and certify that they are in good health. Members can also purchase 10-year or 20-year level term life insurance, with a total coverage limit of $1.75 million. Additionally, accident death and dismemberment insurance is available, offering up to $500,000 in coverage.

Disability Insurance

ALPA provides three plan options for disability insurance, ensuring members can find coverage that fits their unique needs.

Critical Illness and Group Accident Insurance

ALPA offers critical illness and group accident insurance, including coverage for COVID-19-related hospitalizations.

Long-Term Care Insurance

Recognizing the significant likelihood of needing long-term care, ALPA provides members with access to a Long-Term Care Insurance exchange, offering a choice of traditional LTCi or hybrid plans. These plans are fully portable, allowing members to retain coverage upon retirement or separation from ALPA if premiums are paid.

Canadian Member Plans

Canadian members can access life, home, and auto insurance, as well as critical illness coverage.

Apprentice Member Plans

ALPA also offers insurance plans tailored specifically for apprentice members.

While ALPA insurance plans are not explicitly mentioned as free, the organization does provide voluntary supplemental insurance options to its members, with various types of coverage available to meet their diverse needs.

ALPA insurance costs

ALPA offers voluntary supplemental insurance to its members in good standing in the United States and Canada. The plans are designed by pilots, for pilots, and cover a range of needs, including life insurance, disability insurance, critical illness, and accidents. While ALPA does not disclose the costs of its insurance plans on its website, it does provide a simple process for members to obtain a quote.

For life insurance, ALPA members have access to group term life insurance plans, including 10- or 20-year level term life insurance options, with coverage of up to $1.75 million. Additionally, ALPA offers guaranteed issue term life insurance of up to $500,000 for eligible members under 65, with no medical exam or blood work required.

ALPA's disability insurance provides three plan options to fit members' diverse needs. The critical illness and group accident insurance plans also offer comprehensive coverage, including COVID-19-related hospitalization.

ALPA also provides long-term care insurance solutions, recognising the high likelihood of members requiring such care at some point in their lives. Beginning in March 2022, ALPA started offering members access to a Long-Term Care Insurance exchange, providing a choice of traditional LTCi or hybrid plans that include life insurance benefits.

In the state of Texas, ALPA offers auto insurance, which is required by law. ALPA auto insurance covers all types of drivers, regardless of their license status. The coverage options include liability insurance, comprehensive and collision insurance, personal injury protection, uninsured and underinsured motorist protection, rental reimbursement, and towing and roadside assistance.

While ALPA does not publicly list its insurance costs, it provides a user-friendly process for members to obtain quotes and find the best rates for their specific needs.

ALPA insurance for US and Canada members

ALPA offers voluntary supplemental insurance to all members in good standing in both the United States and Canada. Insurance plans are designed by pilots, for pilots.

US Members

US members can manage their coverage through the Member Insurance portal. This is a one-stop shop for enrollment and plan management. Members can verify their benefit elections, beneficiary, or dependent information through the portal.

ALPA offers US members disability insurance with three plan options, life insurance with group term life, 10- or 20-year life, and accidental death and dismemberment, and critical illness and group accident insurance.

Canadian Members

Canadian members can access life, home and auto, critical illness, and more. Air Canada and FDX ALPA pilots have access to specific plans.

ALPA also offers long-term care insurance to its members. This includes caregiving solutions and insurance with various products to alleviate the physical, financial, and emotional toll extended care can cause. Members can also access YourCare360, a free resource to inquire about caretaking and caregiving, including a free home assessment by a nurse.

ALPA members can also access UnionPlus benefits.

ALPA insurance for retired members

ALPA offers voluntary supplemental insurance to all members in good standing in both the United States and Canada. The plans are designed by pilots, for pilots.

ALPA offers three types of life insurance plans: Group Annual Renewal Term Life Insurance, 10-Year Level Term Life Insurance, and 20-Year Level Term Life Insurance. Members can purchase up to $1.75 million in total life insurance. All plans are underwritten by the Metropolitan Life Insurance Company.

The Group Annual Renewal Term Life Insurance plan is a guaranteed issue, meaning there is no medical exam or blood work required. Members can get up to $500,000 in coverage if they are under 65 and in good health.

The 10- and 20-Year Level Term Life Insurance plans offer more coverage, with a maximum benefit of $1.75 million. These plans also include accidental death and dismemberment insurance, providing up to $500,000 in coverage.

In addition to life insurance, ALPA also offers long-term care solutions to support members who face caregiving needs or responsibilities. This includes access to a Long-Term Care Insurance exchange with various LTCi plans depending on the member's state of residence. The plans are fully portable, meaning members can keep their coverage upon retirement or separation from ALPA if they continue to pay the required premiums.

ALPA also provides UnionPlus Benefits for retired members, which may include additional insurance options.

For specific details on coverage, costs, and eligibility, retired members can contact MetLife or their plan administrator, or reach out to ALPA directly at [email protected] or 888-FLY-ALPA.

ALPA insurance for spouses

ALPA offers voluntary supplemental insurance to its members in good standing in the United States and Canada. These plans are designed by pilots, for pilots.

ALPA's insurance plans include disability insurance, life insurance, critical illness, and group accident insurance. ALPA also offers long-term care solutions, including access to a Long-Term Care Insurance exchange with various LTCi plans depending on the member's state of residence.

Spouses of ALPA members are eligible for coverage under certain plans if they meet the insurance company's underwriting criteria. For example, under the Optional Group Life Insurance plan, insurance is provided for the pilot and their covered dependents and spouses. Additionally, under the Long-Term Care Insurance exchange, spouses can be included as dependents and do not have to enrol in the same plan as the member.

ALPA also offers Critical Illness and Accident Insurance, which provides a lump-sum benefit if a covered disease or condition is diagnosed. Covered members and spouses are eligible for the Wellness Benefit, which provides an annual benefit payment upon completion of an eligible health screening test.

While it is not explicitly mentioned if term life insurance is free for members, ALPA does offer a range of insurance options, including term life insurance, to its members and their spouses, with specific plans and coverage details depending on the member's location and other factors.

Frequently asked questions