EWA Guaranteed Issue Group Term Life Insurance

Death Benefit During Waiting Period
No Waiting Period Member Benefit
$10,000 Term Life Benefit
Attained Age at Death: 18-64 $10,000 Term Life Benefit
Attained Age at Death: 65-69 $6,500 Term Life Benefit
Attained Age at Death: 70-75 $5,000 Term Life Benefit
Attained Age at Death: 75+ $2,500 Term Life Benefit


Key Valor Program

$29.99 / month

With the Key Valor Program you get everything you need for you and your family's health and well being, including:

TeleMedicine: Grab your device, see a doctor, no insurance necessary. Real access to real health care, real cheap. $0 cost per visit for you + your family (kids: infant to 26 years old), for up to 8 people.*

TeleTherapy: you + your family get at-home therapy sessions with $0 co-pays. Grab your device, see your therapist. Never pay an additional fee. We believe everyone should be able to afford mental health care. Now you and your family can.*

KeyFP Rx: We set out to give you + your family pricing you can count on. Over 300 generic medications for as little as $5, a diabetes program, and discounts on popular over-the-counter medicines. We make your medications affordable!

Plus a collection of 5 health + well-being programs that address the most important areas of your emotional life. Your relationships, stress + anxiety, self-testing for PTSD and other Traumas, motivation for exercising & improving physical fitness, plus an award-winning mobile app to help recover from PTSD and traumas, and an entire sober living program.
Includes:

    • Relationship Health
    • PTSD Recovery+
    • Social Anxiety Relief
    • Smart Sober Living (with self-help module for PTSD & Trauma)
    • Rewards for Walking, the ground breaking mobile app that rewards you for moving!
    • Family Pharmacy Plan with reduced cost medications
    • $10,000 Group Term Life.

Stay healthy. Save money. Care for all. That's the Key Valor Program.

*THIS IS NOT INSURANCE. All appointments dependent on availability in your state. For new memberships purchased by the 12th of each month, Tele-Therapy + Tele-Medicine services will start on the 15th; for new memberships purchased by the 25th of each month services are activated on the 1st of the following month.

Elevate Wellness Association, Inc. (EWA) Key Valor Program offers memberships. This Group Term Life Insurance is issued on Policy/Group Contract Number: G-70363-DE, by Prudential Life Insurance Company of America (PRU), P.O. Box 8517, Philadelphia, PA 19176. The policy is issued to EWA and coverage is subject to all policy terms, definitions, conditions, exclusions, and limitations. For complete details of coverage, please read the Certificate of Insurance or contact us. Coverage is subject to termination in accordance with the Master Policy provisions. Notice of termination provided to EWA is considered notification to all EWA Members and will not be sent to members individually by PRU. PRU provides the Group Term Life insurance. PRU does not provide nor is affiliated with the programs provided as a part of membership in EWA Key Foundations Program. Insurance benefits are available with membership in all 50 states. All group term life insurance policies are issued as of the 1st of the month and the death benefit is activated upon issuance.

Suicide Exclusion

If your death results from or is caused by suicide, while sane or insane:

(1) A death benefit is not payable if you die within two years of the date you became a Covered Person. But, Prudential will refund any premiums paid for your Member Term Life Insurance under this Coverage.

(2) The amount of any increase in your death benefit is not payable if you die within two years of the date of the increase. But, Prudential will refund any premiums paid for that increase. Accidental Death Benefit and Exclusions

Accidental Death Benefit and Exclusions

The Accidental Death Benefit is paid directly to your beneficiary in a lump sum amount if you experience a covered loss resulting from an accidental injury, if the injury causes death within 90 days from the date of the accident. This benefit is subject to all the terms, conditions, and exclusions of this Certificate.

Exclusions: No benefits are payable for any loss caused by:

  • Suicide or intentionally self-inflicted Injury while sane or insane.
  • War or any act of war, declared or undeclared.
  • Travel, or flight in or descent from any kind of aircraft unless as a fare paying passenger on a regularly scheduled flight.
  • As a passenger on an official flight of the Military Airlift Command of the United States or similar air transport services of other countries.
  • Infections, except infections which occur simultaneously with or through a cut or wound sustained as the direct result of an Injury, independent of any other cause; and
  • The non-accidental ingestion of a contaminated substance.
  • Intoxication as defined in the jurisdiction where the accident occurred.
  • Being under the influence of any drug unless administered and taken as prescribed by a Doctor.
  • Participation in an attempt to commit an assault or felony, or participation in a riot.
  • Voluntary gas inhalation or poison voluntarily taken, administered or inhaled.
  • Riding or driving as a professional in any kind of race for prize money or profit.

*All appointments dependent on availability in your state. For new memberships purchased by the 12th of each month, Tele-Therapy + Tele-Medicine services will start on the 15th; for new memberships purchased by the 25th of each month services are activated on the 1st of the following month.
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Teletherapy/Telemedicine programs are good for one household. You will receive your login information immediately after purchase through email.

Group term life available only for eligible members.