University of Wisconsin–Madison

UW Employees Inc. Life Insurance

UW Employees, Inc. Life Insurance provides employee-only decreasing term life insurance, with coverage amount based on your age.

2023 Monthly Premiums and Coverage Levels

Age as of January 1 Benefit Amount Premium
Under 35 $33,000 $0.74
35–39 $28,000 $0.96
40–44 $25,000 $1.20
45–49 $18,000 $1.50
50–54 $15,000 $1.80
55–59 $13,000 $2.86
60–64 $12,000 $3.26
65 and over $7,000 $2.26

The employer does not contribute to the premium.


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


  • 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 apply for coverage at any time through Evidence of Insurability (acceptance is not guaranteed)
  • You may cancel coverage at any time

Additional Benefits

  • 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.
  • Conversion to an individual policy at the end of employment.

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