Below you will find information for individual member enrollment into your Group Term Life Insurance plan.

How do I Add Members during the Enrollment Period?

New members to your Cultural Association can enroll in the Group Term Life Insurance Plan during the month of the Enrollment Period. Simply click on your group’s designated plan below and fill out the form. Please sign, date and send the completed enrollment form back to Cultural Group Benefits via email, fax or mail:

  • Fax: (651) 739-3265
  • Mail: 6701 Upper Afton Road, Woodbury, Minnesota 55125


Individuals who are joining your Cultural Association from another cultural group should contact the Cultural Group Benefits billing office. No individual participating in this block of business under Cultural Group Benefits can participate in two groups

Members who chose not to enroll during their first opportunity, can apply during the Application Period by filling out the Simplified Issue form. To obtain the Simplified Issue form, please contact the billing office at (651)287-3248.

When is the Enrollment Period for my Cultural Association and how long does it last?

The Enrollment Period for each individual cultural association is based on how frequently the group has chosen to pay their premiums. It always starts on the 1st of the month, and lasts for the entire month.

There are four payment options: Monthly, Quarterly, Semi-Annual, and Annual.

  • Monthly & Quarterly Payment Groups: Your enrollment period is September 1st through September 30th.
  • Semi-Annual & Annual Payment Groups: Your Enrollment Period is the effective date of when you began participating in the Cultural Group Term Life Insurance Plan.

When should the Group pay their new premium?

Current Member Premiums

The group should always pay the premium owed for current members by the 1st of the month.

New Member Premiums

The premium for new members will be paid by the 15th of the month.

How do I terminate the Group Term Life Insurance Plan for an Individual Member?

The Group Leader will provide a written or email notice to Cultural Group Benefits informing them of any member cancellations along with the effective termination date.

How do I make changes to the Group Term Life Insurance Plan for an Individual Member?

If there are name changes, adding or removing a child and/or address changes, the member must send a letter indicating the change to: Cultural Group Benefits, 6701 Upper Afton Road, Woodbury, MN 55125. You will receive a Confirmation Letter acknowledging the change.

Beneficiary changes are done by completing the Beneficiary Designation Form and returning it to Cultural Group Benefits, 6701 Upper Afton Road, Woodbury, MN 55125

Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155.

Life Form Series includes GBD-1000, GBD-1100, or state equivalent.


Not available in all states.

The Hartford Financial Services Group, Inc. (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, Connecticut. For additional details, please read The Hartford’s legal notice at