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Frequently Asked Questions

Life Insurance

Term life insurance provides a death benefit if the policyholder dies within a certain period, or term, such as 10 or 20 years. Because the death benefit is limited to that specific timeframe, and the policy features no cash value accounts, term life is more affordable than other permanent types of life insurance. Coverage and rates are based on pre-set criteria and may be classified into categories like "smoker," "standard," and "preferred." Group Term life insurance is a type of term life insurance coverage offered to a group by an employer, association, employer or other organization. Individual Term life, unlike group term life, the individual controls the policy and rates are based on only their individual health history.

In contrast to term insurance, Whole life insurance is designed to provide life insurance coverage, plus other “living benefits,” including guaranteed cash value accumulation as long as premiums are paid, eligibility to earn dividends, and access to cash value via loans and partial surrenders.

Universal life insurance is a type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a savings element (like whole life insurance), which is invested to provide a cash value buildup.

Yes, spouses can apply for their own separate life insurance policy through the Alumni Insurance Program, with the same opportunities as their spouse.

AlumniTerm - Yes, if you are under age 60, you can apply to increase your existing plan up to a maximum of $500,000. If you wish to apply for more than $200,000, you might wish to get a quote for a level term policy (AlumniTerm 10/20). Talk to a Customer Service Rep at 1-800-922-1245 or email them at

AlumniTerm 10/20 - Once issued, your existing policy can’t be increased, but if you are under age 70, you can apply for a second policy for the additional amount of coverage you need, up to a combined total of $1.5 million. Talk to a Customer Service Rep at 1-800-922-1245 or email them at

For more information on Life insurance, visit the MetLife website.

ID Protection

In the event of an incident, we will assign you with a personal case manager to help you resolve issues, saving you countless hours and reducing the stress associated with identity theft.

Specialists will help you report your identity theft incident to law enforcement and creditors. They will notify the appropriate bank or agency to replace stolen or missing items (i.e. Credit/debit card, driver’s license, Social Security card, and passport). If you’re a victim of identity theft while traveling more than 100 miles from your home, we’ll issue you a cash advance of up to $500 and assist you with emergency travel arrangements.

For more information on ID Protection, visit the Alumni ID Protection website.

Emergency Assistance Plus

It takes 1 business day to process an enrollment over the phone or online. If you provide(d) your email address at the time of enrollment, you will receive a Welcome Email with a Temporary I.D. card within 3 business days of enrollment. If you need your Member Guide or Identification Card sooner, please call the EA+ Customer Service team for assistance. Visit the EA+ website for contact information.

Yes. If you are traveling in a country on the OFAC-sanctioned list, you are not covered by EA+. If you’re unsure of the status of a country you are planning to visit, call us before your trip to ensure you will be covered at your destination. Please visit for a current list of countries with OFAC-sanctioned restrictions.

For more information on Emergency Assistance Plus, visit the EA+ website.

Long Term Care

You may own more than one policy. However, some companies have restrictions. Some may tell you that they will not offer you more than “XXX combined between all policies.” But other companies don’t have this restriction. When you have more than one policy in force at the time of a claim, the companies involved will pay the total benefit based upon the age of the policy. The oldest policies pay first, and then the next oldest, etc. The combined policies won’t “double pay” a benefit for the same expense.

For more information on Long Term Care insurance, visit the LTCR website.

The University of New Haven Alumni Association receives financial benefits from the administrator that provides this program. These benefits fund alumni programs and activities.