Life Insurance (Employer-Provided)
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
NEW for 2026: Coverage is underwritten by The Hartford (changing from Securian effective January 1, 2026).
Optional Supplemental Life Insurance (Employee-Paid)
Employees can supplement the University of Arizona employer-paid life insurance coverage by purchasing additional life insurance for themselves, and life insurance for dependents. The employee pays the full cost of premiums through payroll deduction.
NEW for 2026: Both ADOA and UA supplemental life insurance programs are changing carriers with lower premiums. ADOA is moving from Securian to The Hartford (allowing increases up to 3x salary, max $500,000), while UA is moving from The Hartford to Unum (allowing increases up to 5x salary, max $500,000). During this Open Enrollment, you have a one-time opportunity to increase your coverage without medical underwriting. Current employee coverage and dependent coverage currently with Securian transfers automatically under both programs. Dependent coverage currently with The Hartford requires re-enrollment with Unum.
Supplemental Life Insurance Options
Coverage is available through The Hartford (ADOA) or Unum (U of A) Life Insurance. You can enroll in either or both plans. Calculate your premiums (Coming Soon) for each plan.
Quick Downloads: 2026 Supplemental Life Insurance Premium Rates Combined | 2026 Supplemental Life Insurance Comparison Chart
| Carrier | The Hartford (ADOA) New Vendor | Unum (U of A) New Vendor |
|---|---|---|
| Self Coverage - Initial Purchase | Purchase in increments of $5,000, up to three times your annual salary, or $500,000, whichever is less. Premiums decreasing in 2026. | Purchase in steps equal to one, two, three, four, or five times your annual salary, up to $500,000 maximum coverage, whichever is less. Premiums decreasing in 2026. If you currently have supplemental life coverage with The Hartford, your employee coverage will transfer automatically to Unum. You do not need to re-enroll for employee 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. 2026 Special: One-time opportunity to increase up to 3x salary (max $500,000) | Coverage increases can be made during the annual benefits open enrollment period OR following a qualifying life event and cannot not exceed one step (e.g., increasing coverage from one to two times your annual salary, or two to three times, etc.). 2026 Special: One-time opportunity to increase up to 5x salary (max $500,000) |
| Dependent Coverage | Spouse/Child coverage: $2,000, $4,000, $6,000, $10,000, $12,000, $15,000, or $50,000 | Spouse/Domestic Partner: Up to $50,000 in $5,000 increments To enroll in dependent coverage, you must be enrolled in supplemental life coverage with Unum. Unum dependent life for spouses/partners/children cannot exceed the total amount of the employee's supplemental life with Unum. ⚠️ Must re-enroll during Open Enrollment |
| Domestic Partner Coverage | Not eligible. | Eligible as dependent. |