Basic Group Term Life and Accidental Death and Dismemberment Insurance

The state pays 100% of the premiums for employee basic term life/basic accidental death and dismemberment insurance for central state government and state higher education employees. This automatically occurs in Edison.

While the state covers the premiums for employee basic term life/basic AD&D insurance for central state government and state higher education employees, this does not apply to employees of state offline agencies. Employees of state offline agencies should consult with their agency benefits coordinator about premiums.

Find 2025 life insurance premiums: Click on Premiums and go to Life Insurance Premiums – State Plan Only.

Basic term life: Designated beneficiaries receive 1X the employee’s base annual salary rounded to the next highest thousand ($50K minimum/$250K maximum, except when reduced at age milestones).
•    Eligible employees may opt to decrease coverage to $50,000 to avoid imputed income, as outlined in IRS publication 15B.
•    State offline agency employees may waive basic term life/basic AD&D coverage.

Basic accidental death and dismemberment: Employee coverage will be 1X basic term life insurance coverage.

Basic term life/basic AD&D coverage amounts decrease at ages 65 and over.

Employees make important selections and keep beneficiary information current in Edison.

Lifestyle services are provided by Securian Financial for no additional charge. Services and resources include:

1.   Beneficiary Financial Coaching
2.   Empathy Program for Beneficiaries
3.   Legacy Planning
4.   Legal, Financial, Grief
5.   Travel Assistance

Refer to the Securian (Minnesota Life) Handbook found on the Publications page under Life Insurance and/or the Securian Financial website for additional information.

Voluntary Term Life Insurance

Enroll in coverage and update beneficiaries on the Securian website.

If qualified, eligible central state government, state higher education and state offline agency employees can buy additional voluntary term life insurance for themselves, their spouses and their children. Enrollment is not automatic. An employee must apply for this coverage. This insurance is in addition to the employee basic term life and basic accidental death and dismemberment insurance. The employee’s spouse may apply for enrollment in this coverage even if the employee does not enroll. A child term rider may be added to the employee’s or spouse’s certificate, but not to both. If the employee’s spouse is also a state employee, the spouse must apply for coverage as an employee, not as the other employee’s spouse.

New Hires
Apply within 30 days of initial eligibility to receive guaranteed-issue coverage without answering medical questions.

• Guaranteed-issue voluntary term life insurance coverage with no medical questions asked for an employee is available if the employee enrolls during the first 30 calendar days of employment. Voluntary term life coverage will become effective on the first day of the month following three full calendar months of eligible employment.
• Newly eligible spouses can enroll within 30 days of first becoming eligible in $5,000 of coverage without answering medical questions (guaranteed issue).
• The employee or spouse's monthly premium will go up if the voluntary term life insurance amount is increased or the employee or spouse moves into a higher age bracket as of Jan. 1.
• Find coverage options and plan highlights on the Publications page under Life Insurance.
• To apply, go to lifebenefits.com/stateoftn.
• Beneficiaries for voluntary term life coverage can be updated after logging in at lifebenefits.com/stateoftn

Voluntary Child Term Life Insurance

An employee or spouse who enrolls may add a child term rider in the amount of $5,000 or $10,000. Only the employee or spouse may have a child term rider attached to his/her certificate.

• Starting Jan. 1, 2025, an automatic death benefit of $5,000 for an enrolled employee or spouse’s first newborn baby will be provided. The employee or spouse must already be enrolled in voluntary term life with Securian (Minnesota Life). A death benefit will be paid if the baby dies within 31 calendar days of live birth. The baby does not need to be enrolled for this coverage to be effective for the first 31 days. If the enrolled employee or spouse wishes to have ongoing coverage for the baby past the first 31 days, the employee or spouse must add a child term rider to his or her certificate of coverage. The newborn baby’s coverage effective date is determined by when the child term rider is received by Securian.
  • Securian will not charge a premium for the first month of coverage for the child term rider added due to the live birth of a newborn baby.
  • Premiums charged by Securian will begin the first of the month after the child term rider coverage has been entered into the Securian system.

The second born child of an enrolled employee or spouse will only be automatically covered if there is an existing child term rider attached to the employee or spouse’s certificate of coverage.

Find the full list of 2025 life insurance premiums by clicking on Premiums and going to Life Insurance Premiums – State Plan Only.

Find life insurance information by clicking on Life or securian.com/tn-insurance

Continuing Life Insurance When Employment Ends

Continuing Life Insurance When Employment Ends

Basic Term Life
When employment ends due to retirement or termination, the basic term life coverage for the employee may be converted to an individual whole life insurance policy. Premiums will be paid by the former employee.

Voluntary Term Life
An enrolled employee or spouse may continue, or port, one-half of the voluntary term life insurance coverage he or she had at the time of leaving active employment due to retirement or termination. The minimum amount of continued coverage is $5,000 and the maximum amount is $250,000. Continuation of coverage is not available if coverage was cancelled due to non-payment of premiums. Continuation of coverage, or portability, is only available to an employee or spouse under the age of 70. If you are age 70 or over, conversion to an individual whole life insurance policy is available. Premium rates for ported coverage are higher than for active coverage.

Accidental Death and Dismemberment
The basic AD&D and voluntary AD&D coverage may not be converted or continued after employment ends.

NOTE:  A complete description of the benefits, provisions, conditions, limitations and exclusions for the basic term life/AD&D, voluntary AD&D and voluntary term life plans will be included in their respective certificates of insurance. If any discrepancies exist between the information listed above and the certificates of insurance, the certificates of insurance will govern. We recommend you review these documents.