A new carrier, lower rates, and the same coverage for your employees
The change happens on your policy anniversary, January 1, 2027. Here is what it means for your group.
Underwritten by The Standard
Standard Insurance Company becomes the carrier for AMT's Group Basic Life and AD&D program under Group Policy 764933. Coverage continues without interruption.
Lower rates, automatically
The AMT Agency negotiated age-banded rates 59 to 60% below AMT's current rates. They apply automatically to your group's existing coverage, starting with your January 2027 invoice.
Serviced by The AMT Agency
AMT's wholly owned agency administers the program: enrollment, changes, claims support and billing questions. Same team, same office, one bill.
Added services at no extra cost
Every insured employee gains access to The Standard's Life Services Toolkit and Travel Assistance, and beneficiaries receive grief, legal and financial support after a claim.
One-time opportunity to increase coverage
With the move to The Standard, your group may raise the Basic Life and AD&D benefit for all employees to any amount from $10,000 to $50,000, in $5,000 steps, effective January 1, 2027. Your group's notice letter shows exactly what each option costs. To keep your current amount or to increase it, return the 2027 Enrollment / Change Request form by December 1, 2026.
A group life insurer since 1906
Standard Insurance Company, based in Portland, Oregon, has provided group insurance to employers for more than a century. The Standard is a subsidiary of StanCorp Financial Group, Inc., which is owned by Meiji Yasuda Life Insurance Company, one of Japan's largest life insurers. It focuses on the products AMT groups use most: group life, accidental death and dismemberment, and disability insurance.
The AMT Agency selected The Standard for the strength of its claims-paying ratings, its experience serving association and trust programs, and the services bundled with its group life coverage. Policies in New Jersey are issued by Standard Insurance Company; the policyholder is Association Master Trust, doing business as Association Member Trust.
Learn more at standard.com.
Financial strength ratings
A.M. Best affirmed its A (Excellent) financial strength rating of Standard Insurance Company with a stable outlook on November 25, 2025. Ratings reflect the agencies' opinions of the insurer's ability to meet its obligations and are subject to change.
Group Basic Life and AD&D Insurance
A summary of the coverage under Group Policy 764933. The benefit summary from The Standard has the full description; the group policy governs.
Who is eligible
Active members (Class 1): regular full-time employees actively working at least 25 hours each week.
Retired members (Class 2): employees who retired under their employer's retirement program and were enrolled as active members for at least one year before retiring, where the employer elects retiree coverage.
Temporary or seasonal employees, full-time members of the armed forces, leased employees and independent contractors are not eligible.
When coverage begins
Employees who are members on January 1, 2027 are eligible on that date.
Employees who become members later are eligible on the first day of the month following or coinciding with the date they become a member.
Retired members are eligible on the date they retire.
Coverage amount
Option A (all employees): the employer selects one amount for all active employees, from $10,000 to $50,000 in multiples of $5,000.
Earnings-based and class-based schedules (Options B through I, up to $100,000) are also available. Call The AMT Agency before electing one.
Retired members: $1,000.
Accidental Death & Dismemberment
For a covered accidental loss of life, the AD&D benefit equals the Basic Life amount, paid in addition to the life benefit. For other covered losses, a percentage of the benefit is payable.
Age reductions (active members)
| Age of member | Benefit |
|---|---|
| 65 to 69 | 65% of the elected amount |
| 70 to 74 | 50% of the elected amount |
| 75 and over | $2,000 |
Coverage for retired members is not subject to age reductions.
Other features and services
- Accelerated Death Benefit
- Life Services Toolkit
- Travel Assistance
- Portability of Insurance
- Right to Convert
- Repatriation Benefit
- Standard Secure Access account payment option
- AD&D: Air Bag and Seat Belt Benefit
- AD&D: Helmet Benefit
- AD&D: Family Benefits Package (Career Adjustment, Child Care and Higher Education Benefits)
Monthly rates effective January 1, 2027
Rates are per $1,000 of Life and AD&D coverage per month and are banded by the employee's age. The AD&D portion is $0.020 per $1,000 at every age. The same rates apply to every AMT employer group.
| Age band | Basic Lifeper $1,000 | AD&Dper $1,000 | 2027 rateLife + AD&D | Current AMT rateper $1,000 | Lower by |
|---|---|---|---|---|---|
| Current AMT rate is the rate per $1,000 in effect through December 31, 2026. 2027 rates include AD&D. Each employee is rated in the age band that applies on the January 1 policy anniversary. | |||||
What a rate means on your invoice
Premium is the coverage amount in thousands multiplied by the rate for the employee's age band.
Rates include The Standard's AD&D coverage, which pays in addition to the life benefit.
Premium for employees aged 65 and over is based on the reduced benefit shown in age reductions.
Retired members are insured for $1,000; the retiree rate is shown on your group's notice.
Use the estimator below to see your group's total at any coverage amount.
Premium estimator
Choose a coverage amount and enter how many employees fall in each age band. Figures start with an example group of 12.
Active employees by age band (age on January 1, 2027)
Estimates only. Your invoice is calculated from your enrolled census, with age reductions applied at ages 65, 70 and 75 and the $1,000 retiree benefit for retired members. The current-rate comparison uses the 2026 age-reduction schedule in effect under the current policy (65% at 65, 32.5% at 70, $2,000 at 75).
The Life Services Toolkit and Travel Assistance
Coverage from The Standard includes services employees and their families can use now, and support for beneficiaries after a loss. They come with the coverage; nothing extra to buy or enroll in.
For insured employees
Online tools and services from the Life Services Toolkit, available to everyone insured under the AMT policy:
Estate planning: prepare a will, living will, power of attorney and advance directives online.
Financial planning: manage debt, calculate mortgage and loan payments.
Health and wellness: articles on nutrition, stress management and wellness.
Identity theft prevention and help resolving identity theft.
Funeral arrangements: plan ahead and compare costs.
assurance
For beneficiaries
For 12 months after receiving the claim letter from The Standard, beneficiaries can access:
Grief support: confidential sessions with trained care managers, virtually or in person (up to three face-to-face sessions).
Legal services: an initial office visit or telephone consultation of up to 30 minutes with a network attorney, and a 25% reduction from the attorney's usual rates afterward.
Financial assistance: telephone sessions of up to 30 minutes with financial counselors on budgeting, credit and debt.
Support services: help planning a funeral or memorial service and managing household needs.
Online resources: funeral-related services and costs, and other beneficiary resources on the toolkit website.
support
Assistance line: 800-378-5742
Travel Assistance
Help for insured employees who travel: preparing for a trip, replacing lost credit cards and passports, and finding medical and legal services anywhere, anytime.
The Life Services Toolkit is provided through an arrangement with Health Advocate℠ and is not affiliated with Standard Insurance Company. Health Advocate is solely responsible for providing and administering the included service, which is available only while insured under The Standard's group life policy; Standard Insurance Company may change providers or terminate the service at any time. The toolkit is not available to beneficiaries who are minors or to non-individual entities such as trusts, estates and charities.
Forms and plan documents
Enrollment form (return by December 1, 2026)
2027 Group Life Enrollment / Change Request (fillable PDF)
2027 Group Life Enrollment / Change Request (Adobe Sign)
From The Standard
Group Basic Life and AD&D Insurance benefit summary
Introducing The Standard
The Life Services Toolkit
Talk to The AMT Agency
Our account managers can confirm your group's 2027 premium, walk you through the enrollment form, or quote a higher coverage amount. Employer groups that participate in AMT but do not yet offer group life insurance can add Group Basic Life and AD&D coverage at these rates.
Brokers: AMT groups' life coverage is serviced by The AMT Agency beginning January 1, 2027. Contact us for group-level rate confirmations and enrollment materials for your clients.
Short Hills, NJ 07078