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Optional Term Life Insurance

This program is available on a contributory basis for employees and dependents (spouse and children) whether or not they participate in health coverage. For guaranteed-issue coverage, the employee must enroll during the first full month of employment with the state. If optional life coverage is not elected at that time, an employee may only enroll during the annual enrollment transfer period by presenting evidence of insurability through a health questionnaire. Premiums are based on age and the amount of coverage requested.

Premiums are based on age and the amount of coverage requested

Coverage is also available for spouses and dependent children

Spouses: maximum level of coverage is $30,000

Children: $5,000 or $10,000 term rider

Must enroll in first 30 days of employment for guaranteed issue coverage and coverage is effective after 3 months of employment

You can apply later during AETP by answering health questions

Select up to 5 times your annual base salary when first eligible

Minimum coverage level: $5,000

Maximum coverage level: $500,000

The Minnesota Life Optional Life Insurance Handbook will provide you with additional details about the available plans.

To enroll and calculate monthly premium, visit the Minnesota Life website.

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