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    Optional Life Insurance

    Optional Life Insurance is a voluntary, payroll-deducted term life insurance program designed for employees who desire to purchase additional life insurance coverage for themselves, their spouse, or their children. Employees may apply for coverage in $1,000 increments, up to 10 times their annual salary, to a maximum of $500,000 ($25,000 minimum). Employees may apply for spouse coverage $1,000 increments, to a maximum of $250,000 (also a $25,000 minimum). Child coverage is also available in $5,000 increments up to a maximum of 50% of your coverage or $25,000 whichever is less. This coverage, if elected, is paid for entirely by the employee.

    Current Optional Life Rates (2014 Provider Information Coming Soon!)

    Enrollment Form (2014 Provider Information Coming Soon!)
    NEW Employees must complete this form if you wish to purchase optional life insurance during your new-hire election period. CURRENT employees should use this form if you are purchasing optional life insurance coverage after your new-hire election period has passed or if you wish to increase your coverage. If you are electing coverage more than 31 days after initial eligibility, or you are a new-hire electing more than $200,000 of coverage, you will also need to complete the EVIDENCE OF INSURABILITY (EOI) FORM

    Evidence of Insurability (EOI) Form (2014 Provider Information Coming Soon!)
    NEW employees must complete this form if you are purchasing more than the guaranteed issue amount of $200,000. CURRENT employees must complete this form if you are electing coverage more than 31 days after initial eligibility or if you have existing optional life insurance coverage and wish to increase the amount.

    Beneficiary Designee (2014 Provider Information Coming Soon!)
    You must submit this form if you wish to CHANGE your beneficiary for Basic Life Insurance and/or Optional Life Insurance. You will need to complete two separate Beneficiary Designation forms if you wish to designate one beneficiary for your Basic Life Insurance and a different beneficiary for you Optional Life Insurance.

    Final Term Life Certificate (this is your group policy document) 
    (2014 Provider Information Coming Soon!)

    FAQsBeneficiaries, Paramedical Exam, Underwriting Process

    (2014 Provider Information Coming Soon!)