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. For example: Annual salary = $25,319 x 2 = $50,638. Your Life Insurance benefit would be $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.

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.


Employees pay 25% of the premium. The State pays 75% of the premium. Employee cost is $.022 per $1,000 of coverage. Based on the example above with a benefit of $50,600, the employee cost would be $1.15 per payday.


Employees need to sign up within the first 60 days of employment. If done during that time, coverage is automatically granted. If you sign up after the first 60 days, you will be required to provide evidence of good health in order to be approved for coverage.


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