Life Insurance


The State offers a group term life insurance policy with a benefit that is two times your annual base salary, rounded down to the nearest $100.

Annual salary = $25,319 x 2 = $50,638
Life Insurance benefit = $50,600.

The Accidental Death and Dismemberment (AD&D) benefit is an additional two times your annual salary if you die as a result of an accident, or $101,200 in the example above. The plan benefit also pays benefits for various types of dismemberment due to an accidental injury.


Employees pay 25% of the premium. The State pays 75% of the premium.
Currently, the employee cost is $.027 per $1,000 of coverage. 

Annual salary = $25,319
Benefit = $50,600 ($25,319 x 2, rounded down to nearest 100)
Employee Premium = $1.3662 each payday (50.6 x $.027)

Eligibility and Enrollment

All full-time, classified and exempt employees are eligible for coverage.

As of 07/2016 enrollment for new employees is automatic and takes effect 30 days after the date of hire. Employees wishing to waive coverage must submit the waiver form (see forms section below) within 30 days of their date of hire. Coverage may be cancelled at any time after that, but premiums already deducted will not be refunded.

For employees hired before 07/2016 who did not enroll in life insurance, you may still apply for coverage by submitting the life insurance application form along with the Evidence of Insurability form (see forms section below). All forms should be emailed to, or mailed to the address noted at the bottom of this page.

LifeSuite Services

Coverage also includes the following package of services, available to employees and beneficiaries at no additional cost:

  • Travel Assistance Services: Emergency assistance and transport when traveling 100 or more miles away from home
  • Legal, Financial and Grief Resources: Access to counseling professionals and related resources
  • Legacy Planning Resources: Access to resources to help families deal with the loss of a loved one, or to plan for their own passing
  • Beneficiary Financial Counseling: Independent and objective financial counseling available to beneficiaries who receive proceeds of $25,000 or more

Please see the LifeSuite Services brochure for additional details and contact information.


Minnesota Life insurance Company
400 Robert Street North
St. Paul, MN 55101-2098
Main number: (800) 843-8358
For Beneficiary-Related Questions: (866) 293-6047

Forms and Documents - Life Insurance