Frequently Asked Questions

What is the purpose of the Term Life Insurance coverage?
Term Life Insurance can help your beneficiary meet their expenses after your death. The benefit can be used for whatever their needs are—mortgage payments, tuition, credit card bills, or any other expenses.
Who is eligible to enroll in this plan?
The coverage is available to permanent full-time and part-time active employees of all federal agencies who are on active pay and duty status and federal retirees. The enrollee must be under age 70 and reside in the U.S at the time of enrollment.
How much life insurance coverage can I have?
Coverage is available up to $600,000 for the employee/retiree. Once the employee/retiree is approved for coverage, he/she can also enroll their spouse and unmarried children, under age 26. The spouse is also eligible for up to $600,000 but cannot be insured for more coverage than the employee/retiree. Eligible children are covered at $20,000 each.
How do I enroll?
You can enroll online or download the enrollment forms.
How do I pay the premiums for my coverage?

Active employees of ATF, CBP, CIS, DEA, FBI, ICE and USSS pay the premium through payroll allotment.

All other active employees and retirees will pay the premium monthly through SAMBA’s direct debit program from the enrollee’s banking institution.

What is the Accidental Death and Dismemberment (“AD&D”) benefit?
The AD&D benefit is only applicable to the employee/retiree, under age 65.  If the employee/retiree dies as a result of an accident, the beneficiary will receive double the face value of the coverage.  Example: If the coverage amount is $100,000, then the death benefit paid to the beneficiary is $200,000.
How does the Accelerated Life benefit work?
If you (or your spouse, if you carry coverage for your spouse) become terminally ill with a life expectancy of 12 months or less, the Accelerated Life benefit allows you to receive up to 75% of the coverage amount (up to $250,000) while still living. Use the proceeds as you wish—for travel, medical bills or family expenses. The beneficiaries will receive the remainder as a death benefit.
How can I find out my current level of coverage?
When you log onto the SAMBA website, use the Member Login feature at, you will automatically be presented with a summary of all coverages you have with SAMBA.  You can also request a hard copy by contacting SAMBA at 1-800-638-6589.
How do I increase my coverage?
You can use the online application or visit the enrollment center.
Who is my current beneficiary and how can I change my beneficiary designation?

Contact SAMBA if you have questions about your beneficiary selection. If you want to make a change, download the Beneficiary Designation Form.

What happens to my coverage if I should leave my current agency?
The SAMBA Term Life Insurance Plan is truly portable – once enrolled, always enrolled. If you change agencies, retire, or leave the federal government, you can keep the coverage as long as you make arrangements with SAMBA to pay the premium.
When does the policy end?
Your policy does not end, however, your insurance amount decreases to 50% of coverage at age 70; decreases to 25% at age 75 (to $50,000 max); and decreases to $15,000 max at age 80.
Who is the Plan Underwriter?
ReliaStar Life Insurance Company, a member of the Voya family of companies, is the plan underwriter of the SAMBA Term Life Insurance Plan.

Underwritten by ReliaStar Life
Insurance Company, a member of the
Voya family of companies.

Available Coverage Amounts:

Select the coverage amount that is right for you.
Choose from $25,000 to $600,000.

Includes (AD&D):

Double indemnity if you die before age 65 as a result of an
accidental injury.

Add Family Coverage:

Your spouse can be covered up to $600,000. Unmarried
children, up to age 26, can be covered for $20,000 each.

Terminal Illness:

If your life expectancy is 12 months or less, you can receive
up to 75% of your coverage amount. Your beneficiary will
receive the remainder following your death.

Permanent Coverage:

You can retain this plan for life even if you change agencies,
retire, or resign.