SAMBA Term Life Insurance FAQs
Q. How do I enroll?
A. Download the appropriate enrollment kit, complete the forms, and mail or fax them to SAMBA at 11301 Old Georgetown Rd, Rockville, MD 20852, fax number (301) 816-0191.
Q. What is the purpose of this coverage?
A. The SAMBA Term Life Insurance can help your family meet their expenses after your death. The benefit can be used for whatever their needs are—mortgage payments, tuition, credit card bills, or any expenses that affect your family.
Q. Who is eligible to enroll in this plan?
A. The SAMBA Term Life Insurance Plan is available to employees of all agencies of the federal government who are on active pay and duty status, working at least 20 hours per week and under age 70; and SAMBA Staff Members working at least 20 hours per week and under age 70. Evidence of insurability is required.
Q. How much life insurance coverage can I have?
A. Coverage is available up to $600,000. See the Biweekly or Monthly Rate Table for coverage amounts and premiums.
Q. How can I find out what my current level of coverage is?
A. SAMBA periodically sends Statements of Coverage to all enrollees, advising them of their current coverage. You can also contact SAMBA at 1-800-638-6589 or www.SambaPlans.com for this information.
Q. How much coverage can my dependents have?
A. Your spouse can be covered up to $600,000 not to exceed 100% of your coverage.
Eligible children, up to age 25, are covered at $20,000 each.
Q. How do I pay the premiums for my coverage?
A. Depending on which agency you are employed, your premium may be paid through biweekly payroll allotment (only available to employees of ATF, CBP, CIS, DEA, FBI, ICE and USSS), monthly by Direct Debit from your bank account, or by quarterly bill. Retired members or active employees working for an agency that does not have an allotment arrangement set up with SAMBA can opt for either Direct Debit or quarterly bill.
Q. How does the accelerated death benefit work?
A. 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 Death Benefit Option lets you receive up to 75% of your coverage amount (up to $250,000) while still living. Use the proceeds as you wish—for travel, medical bills or family expenses. Your beneficiaries will receive the remainder as a death benefit.
Q. What is the Accidental Death benefit?
A. If you are less than age 65, the Accidental Death Benefit (ADB) pays your beneficiaries an additional benefit if your death is the result of an accident. The ADB amount matches the amount of life insurance protection you elect.
Q. What happens if I change agencies, retire or leave the federal government - can I keep the coverage?
A. 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 take the coverage with you as long as you make arrangements with SAMBA to pay the premium.
Q. Who is my current beneficiary and how can I change my beneficiary designation?
A. Contact SAMBA if you have any questions about your beneficiary selection. If you wish to change your beneficiary, complete a new Beneficiary Form and forward it to SAMBA.
Q. Who is the Underwriter of this Plan?
A. The Prudential Insurance Company of America is the Underwriter of the SAMBA Term Life Insurance Plan.
Q. When does the policy end?
A. Your policy does not end, however, your insurance coverage 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.
| 
