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Voluntary Term Life Insurance

Minnesota Life (Optional Term Life)

This program is available on a contributory basis for employees and dependents (spouse and children) whether or not they participate in health coverage.   If you qualify, you can purchase voluntary term life insurance coverage for yourself and your dependent spouse and children. You can apply in $5,000 increments, for up to seven times your annual base salary (to a maximum of $500,000) for yourself and up to a maximum of $30,000 for your spouse under 55 ($15,000 for ages 55 and older). You can also add coverage for your children equal to $5,000 or $10,000.

You and your dependent spouse and children may enroll in this coverage regardless of whether you enroll in health coverage. For employee guaranteed issue coverage, you must enroll during the first 31 calendar days of employment. If coverage is not elected at that time, you may apply during the annual enrollment period by presenting evidence of insurability through a health questionnaire.

An application for spouse coverage may be submitted; however, issuance of coverage will be contingent upon review of health questions by the vendor. A child term rider may be added to the employee or spouse certificate without any health questions. 

Unum Group (Optional Universal)CLOSED TO NEW ENROLLMENTS

Last Published: Feb 7, 2019