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The AMT Agency Advantage

We pair The Standard's coverage and financial strength with hands-on local service. Our account managers confirm premiums, prepare enrollment materials, process changes, and answer billing questions, so employers and brokers have one point of contact for the life of the account.

Key Benefits

Group life from The Standard gives employers dependable coverage at a competitive group rate, with support that reaches employees and their families.

Competitive Group Rates

Age-banded group pricing, with AD&D included at $0.020 per $1,000 of coverage.

Flexible Benefit Amounts

Employers choose one amount for all active employees, from $10,000 to $50,000. Earnings- and class-based schedules up to $100,000 are also available.

Coverage Employees Can Keep

Portability and conversion options let employees continue coverage after they leave the group.

Support Beyond the Policy

The Life Services Toolkit and Travel Assistance come with the coverage at no added cost.

Coverage Details

Coverage is set at the group level. Review the details below, then contact us for your group's rate confirmation and enrollment form.

Coverage is offered to New Jersey employers that participate in Association Member Trust (AMT). Within a group, regular full-time employees working at least 25 hours per week are eligible, and the employer can elect $1,000 of coverage for retirees who were active members for at least one year before retiring. Temporary or seasonal employees, full-time members of the armed forces, leased employees, and independent contractors are not eligible.

Eligible employees are covered on the group's effective date. Employees who become eligible later are covered on the first of the month that coincides with or follows their eligibility date. Retirees are covered on their retirement date.

The employer selects one Basic Life amount for all active employees, from $10,000 to $50,000 in $5,000 steps. Earnings- and class-based schedules up to $100,000 are available; contact The AMT Agency before electing one. Retirees are insured for $1,000.

For active employees, coverage reduces to 65% of the original amount at ages 65 to 69, 50% at ages 70 to 74, and $2,000 at age 75 and over. Retiree coverage does not reduce with age.

Accelerated Death Benefit, Portability of Insurance, and Right to Convert. Full terms are in the group policy and certificate.

Coverage & Services

Life insurance paid to an employee's beneficiary, at the benefit amount the employer selects for the group.

An additional benefit for a covered accidental death or dismemberment. For accidental death, the AD&D benefit equals the Basic Life amount.

$1,000 of coverage for eligible retirees when the employer elects retiree coverage.

Provided through Health Advocate. Insured employees can use estate planning resources (wills, powers of attorney), financial planning, health and wellness articles, identity theft help, and funeral planning. Beneficiaries receive 12 months of grief support, legal services, financial counseling by phone, and funeral and household support.

Help preparing for trips, replacing lost cards and passports, and locating medical and legal services while traveling.

Why Brokers Choose AMT for The Standard

A national carrier and a local team, with each doing what it does best.

Local Account Management

Our Short Hills team confirms premiums, prepares enrollment forms, and processes changes for your group.

One Group Invoice

Premiums are billed on a single monthly group invoice, so there is one bill to reconcile.

An Established Carrier

Standard Insurance Company has served policyholders since 1906 and is rated A (Excellent) by A.M. Best, A+ (Strong) by S&P Global, and A1 (Good) by Moody's (ratings as of February 2026).

Broker Support

Brokers can request rate confirmations, enrollment materials, and quotes for higher benefit amounts through our account managers.

Beneficiary Assistance

Beneficiaries get 12 months of grief, legal, and financial support after a claim through The Standard's assistance line.

Pairs With Your Health Benefits

Group life rounds out the medical, dental, and vision coverage your employees already have.

Disclaimer

The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon. The AMT Agency, LLC is not affiliated with Standard Insurance Company. The Life Services Toolkit is provided through Health Advocate, which is not affiliated with The Standard. Travel Assistance is provided through Assist America, Inc., which is not affiliated with The Standard. This page is a summary only. The group policy governs all terms, conditions, and exclusions.

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