University of Wisconsin–Madison
Human Resources

Individual and Family Group Life Insurance

Individual and Family Group Life Insurance (I&F) offers term life insurance to employees, their spouse or domestic partner and eligible children. You may initially select up to $20,000 of employee coverage, $10,000 of spouse or domestic partner coverage, and $5,000 of child(ren) coverage. For enrolled employees, there is an annual opportunity to increase coverage without evidence of insurability.

NOTICE:

There will be a freeze on enrollments in Individual and Family Group Life Insurance that require Evidence of Insurability (EOI) beginning April 17, 2026. April 16 is the last day Securian Financial Group will receive and process EOI applications. Securian will respond to these applications by May 15, 2026. Any applications received after April 16 will be returned to the employee.

EOI applications will reopen on July 1, 2026, when employees may apply for Individual and Family Group Life Insurance with EOI in My Insurance Benefits.

Employees who enroll within 30 days of becoming benefits eligible or who have a qualifying life event are not required to submit Evidence of Insurability. See additional details on this web page.

Learn more

Eligibility

You must meet the following requirements to enroll in this plan:

  • Eligible for State Group Health Insurance
  • Not receiving a Wisconsin Retirement System (WRS) annuity

If an employee and their spouse/domestic partner are both eligible for this plan, the employee and their spouse/domestic partner may only be covered as an employee or a dependent—not both. This rule also applies to eligible children who are also eligible for this plan as an employee. Lastly, only one employee-parent in a family may carry children’s insurance.

Enrollment

  • You have 30 days from the date employment begins to enroll.
  • Coverage begins on the first day of the month following 30 days from the date of hire.
  • You may also apply for coverage at any time through Evidence of Insurability (acceptance is not guaranteed).
  • You may decrease or cancel coverage at any time.

Coverage Levels

Coverage Type Initial Enrollment Coverage Levels Maximum Coverage Level
Employee $5,000
$10,000
$15,000
$20,000		 $300,000
Spouse / Domestic Partner $5,000
$10,000		 $150,000
Child(ren) $2,500
$5,000		 $25,000

The amount of Spouse/Domestic Partner and Child(ren) coverage may never exceed the amount of employee coverage in effect.

Employees must enroll in Employee coverage in order to enroll in Spouse/Domestic Partner and/or Child coverage.

Conversion to Individual Policy

Employees may choose to convert their coverage to an individual policy at the end of employment. To convert coverage, submit a conversion form and pay the required premium within 31 days after your group coverage ends.

Contact UW Shared Services at serviceoperations@support.wisconsin.edu or 888-298-0141 (Monday–Friday, 7:45 a.m.–4:30 p.m.) to obtain a conversion form.

Additional Benefits

  • An annual opportunity to increase coverage level.
  • If you are terminally ill with a life expectancy of 12 months or less, you may receive up to the full amount of your coverage prior to your death. This living benefit is also available for an insured spouse/domestic partners and child(ren).
  • Premiums may be waived at age 65 if you become totally disabled prior to age 60.

Beneficiary Designations

Beneficiary designations can be made online or by paper.

Group Policy Number: 32871-G

You should review and update your Beneficiary Designation with each qualifying life event.

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