ASCE Life Insurance: Coverage Options for Construction Professionals

What is ASCE Life Insurance?

ASCE life insurance is a group policy administered by the American Society of Civil Engineers. It provides term life coverage to members and their families, designed to protect against financial loss from untimely death. The policy is typically offered through a partnership with an insurance carrier, and members pay a monthly premium through their membership dues.

Coverage Features

Standard benefits include:

• Term length ranging from 10 to 30 years
• Death benefit up to $500,000
• Optional accidental death and dismemberment rider
• Non‑cumulative cash value

Rider Details

The accidental death and dismemberment rider adds a 50% bonus on the death benefit if the insured dies from a covered accident, and a cash payout for permanent injuries.

Eligibility and Enrollment

To qualify, you must:

• Be a current ASCE member in good standing
• Complete a medical questionnaire
• Undergo a brief health assessment if required

Enrollment occurs annually during the member renewal cycle. Premiums are automatically deducted from the membership fee, simplifying payment.

Benefits for Construction Professionals

Construction workers face higher physical risks. A group life policy reduces the cost barrier while offering comparable protection to individual plans. The policy also includes:

• Financial security for families in case of sudden loss
• Tax‑free death benefit to heirs
• Flexible term selection to match career stages

How to Apply

1. Verify membership status on the ASCE portal.2. Submit the life insurance enrollment form electronically.3. Await confirmation and policy documents via email.

Comparing ASCE to Individual Plans