Life Insurance

New employees and employees who become benefit eligible for the first time during their employment with the Town have the opportunity to sign up for $10,000 - $250,000 of guaranteed life insurance. Newly benefit eligible employees have 30 days from their start date or initial benefit eligibility date to select any and all life insurance options that work for them.  Life insurance is available only during the first 30 days of employment or during the first 30 days of initial benefit eligibility and is not an open enrollment offering.  If you have life insurance at the time of open enrollment, you may change the amount you are enrolled in at that time.

Supplemental Life Insurance Rates

  • Select up to $250,000 of guaranteed life insurance coverage
  • No medical check-ups, questions or physical required
  • Competitive rates
  • Use your benefit allowance
  • Employees may elect any amount up to $500,000* of coverage in increments of $10,000
  • For plan details, please click here
  • Details on the AD&D coverage included with this product can be found here 

The cost for basic life insurance (offered during the first 30 days of employment or during the first 30 days of initial benefit eligibility) will be $14.03 per month for $10,000 worth of term life coverage.  Information on the basic life insurance policy can be found here.

For a side by side comparison of all the life insurance plan offerings, please click here.

*Please note:  The guaranteed issue amount of supplemental life insurance is $250,000.  Any amount of supplemental life insurance selected that exceeds $250,000 is subject to underwriting.  Plan is subject to limitations and exclusions.

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