University of Wisconsin–Madison

University Insurance Association Life Insurance

University Insurance Association (UIA) Life Insurance is a decreasing term life insurance plan. All eligible Faculty, Academic Staff, and Limited Appointees are automatically enrolled in UIA. There is no enrollment form. Eligibility is reviewed annually based on active employment as of January 1. University Staff are not eligible.


The annual premium for the UIA Life Insurance plan is $38.40 and is deducted from January earnings. The employer does not contribute to the premium.

Coverage Levels

Coverage level is based on your age as of January 1 each year.

Age Benefit Amount Age Benefit Amount
Under 28 $101,000 49-51 $22,600
28-30 98,100 52-54 17,200
31-33 90,900 55-57 13,100
34-36 78,900 58-60 10,300
37-39 65,000 61-63 8,200
40-42 50,900 64-66 6,100
43-45 39,100 67-69 4,500
46-48 30,000 70+ 3,400


You must meet the following requirements to be enrolled in this plan:

  • Have a Faculty, Academic Staff, or Limited appointment; and
  • Meet the minimum monthly salary threshold
    ($2,952 for the 2023 plan year, effective January 1, 2023); and
  • Are not receiving a Wisconsin Retirement System (WRS) annuity


If you meet the eligibility criteria for a given year, enrollment is automatic and no application is required. Coverage is effective January 1, provided requirements are met and premium is paid. If employment starts after January 1, you must wait until the following year for enrollment.

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