University of Wisconsin–Madison

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.

Monthly Premiums and Coverage Levels

Employee’s Age
(as of January 1)
Employee Spouse / Domestic Partner
(based on employee’s age)
$5,000 $10,000 $15,000 $20,000 $5,000 $10,000
27 or less $0.12 $0.23 $0.35 $0.46 $0.18 $0.36
28-30 0.13 0.25 0.38 0.50 0.20 0.40
31-33 0.16 0.32 0.48 0.64 0.25 0.50
34-36 0.19 0.37 0.56 0.74 0.30 0.59
37-39 0.23 0.45 0.68 0.90 0.36 0.72
40-42 0.34 0.68 1.02 1.36 0.54 1.08
43-45 0.54 1.08 1.62 2.16 0.86 1.71
46-48 0.65 1.30 1.95 2.60 1.04 2.07
49-51 0.91 1.81 2.72 3.62 1.44 2.88
52-54 1.16 2.32 3.48 4.64 1.85 3.69
55-57 1.62 3.23 4.85 6.46 2.57 5.13
58-60 2.02 4.03 6.05 8.06 3.11 6.21
61-63 2.78 5.56 8.34 11.12 3.87 7.74
64-66 4.00 7.99 11.99 15.98 5.40 10.80
67-69 5.59 11.17 16.76 22.34 7.52 15.03
70-72 8.62 17.24 25.86 34.48 11.66 23.31
73+ 12.33 24.66 36.99 49.32 16.65 33.30

Child Coverage

Benefit Amount Monthly Premium
$2,500 $0.18
$5,000 $0.35
$7,500 $0.53
$10,000 $0.70
$12,500 $0.88
$15,000 $1.05
$17,500 $1.23
$20,000 $1.40
$22,500 $1.58
$25,000 $1.75

For premiums use the Individual & Family Life Insurance Premium Calculator.

The Employer does not contribute towards the premium.

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.

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).
  • Conversion to an individual policy at the end of employment.
  • Premiums may be waived to age 65 if you become totally disabled prior to age 60.