Life Insurance (Employer-Paid or Subsidized)
Employees who are eligible for limited or full benefits are automatically enrolled in:
- Basic Life Insurance: $15,000 term insurance policy, $15,000 seat belt incentive
- Accidental Death & Dismemberment Insurance: $15,000 AD&D clause
Coverage is underwritten by Securian.
Optional Supplemental Life Insurance (Employee-Paid)
Employees can supplement the University of Arizona employer-paid life insurance coverage by purchasing up to $1 million in additional life insurance for themselves, and life insurance for dependents. The employee pays the full cost of premiums through payroll deduction.
Supplemental Life Insurance Options
Coverage is available through Securian or The Hartford Life Insurance. You can enroll in either or both plans. Calculate your premiums for each plan.
Quick Downloads: 2024 Supplemental Life Insurance Premium Rates | New 2025 Supplemental Life Insurance Premium Rates | 2024 Supplemental Life Insurance Comparison Chart | New 2025 Supplemental Life Insurance Comparison Chart
| Carrier | Securian | The Hartford |
|---|---|---|
| When to Enroll | Within 30 days of hire date or new eligibility status. | Within 30 days of hire date or new eligibility status. |
| Self Coverage - Initial Purchase |
In the 30-day enrollment window only Purchase in increments of $5,000, up to three times your annual salary, or $500,000, whichever is less. |
In the 30-day enrollment window only Purchase in steps equal to one, two, three, four, or five times your annual salary, up to $500,000 maximum coverage. |
| Self Coverage - Changes |
Coverage increases can be made during the annual benefits open enrollment period OR following a qualifying life event. Changes can be made in $5,000 increments above your current elected coverage amount up to a maximum $20,000 increase per year. (e.g., $5,000, $10,000, $15,000, or $20,000) |
Coverage increases may not exceed one step (e.g., increasing coverage from one to two times your annual salary, or two to three times, etc.). Changes can be made during the annual benefits open enrollment period OR following a qualifying life event. |
| Dependent Coverage |
Purchase $2,000, $4,000, $6,000, $10,000, $12,000, $15,000, or $50,000 coverage for each eligible dependent and spouse. You must have a minimum of $35,000 of supplemental life insurance to elect $50,000 dependent coverage. |
Dependent coverage ($5,000 for spouse or domestic partner and $5,000 for each eligible child) is available with employee term life insurance enrollment. |
| Domestic Partner Coverage | Not eligible. | Eligible as dependent. |
| Related Documents | Securian Policy |