Department of Management Services

Life Insurance Plans

The State of Florida offers group term life insurance to eligible employees and their dependents. To learn more about the group term life insurance plan and coverage options, visit Securian. Find out if you are eligible for these benefits.

Basic Term Life Insurance Coverage A free, basic group term life insurance benefit of $25,000 is available to all salaried (SES/SMS and Career Service) full-time employees. Eligible Part-time employees pay prorated premiums based on their FTE. OPS employees pay the full premium.
Optional Term Life Insurance Coverage

Salaried employees enrolled in basic life insurance coverage can also elect additional term life insurance. Benefit amounts between 1 and 7 times base annual earnings, up to a maximum of $1,000,000 are available. Medical underwriting may be required. Visit Ellie, Securian's interactive guide, to determine the coverage amount right for you and learn how to calculate your monthly premium. OPS employees are not eligible for this coverage.

Your optional life insurance premium will increase the month before (for coverage for the month of) your birthday when you change age bands. Your optional life insurance premium will change as the result of a change in annual salary on the effective date of the change in salary.

Guaranteed issue coverage gives you the option to purchase life insurance without providing evidence of insurability (EOI). This means, you won’t be turned down for medical reasons. Guaranteed issue coverage may be available during annual open enrollment periods, qualified family status changes and when first eligible to enroll in your life insurance plan. If you apply for coverage above the guaranteed amount and are declined due to health reasons, you will still receive the guaranteed amount.

Dependent Spouse Term Life Insurance Coverage

All employees enrolled in basic term life insurance may elect and pay for dependent spouse coverage. Spouses may be enrolled in either a $15,000 benefit or a $20,000 benefit.

Dependent spouse coverage is guaranteed issue if elected when the spouse first becomes eligible. Medical underwriting to elect or increase coverage after the initial eligibility period is required.

Dependent Child Term Life Insurance Coverage All employees enrolled in basic term life insurance may elect and pay for dependent child coverage. The benefit for this coverage option is $10,000. The premium for dependent child coverage is $0.85 per month for all eligible children. Coverage is guaranteed issue.
Name your Beneficiary Designate or change your beneficiary online or fill out a beneficiary designation and change request form found at Forms and Resources and mail or fax to Securian’s Tallahassee branch office. Learn why it’s important to name a beneficiary.


Additional Benefits and Services Available for Plan Participants


Please visit Securian for additional information.

Your life insurance coverage offers additional benefits.

See the new hire brochure (Adobe PDF Document 477.35 KB) for more details.

Beneficiary Financial Counseling: PriceWaterhouseCoopers provides counseling to beneficiaries who receive at least $25,000.
Legal Services: Ceridian Lifeworks provides telephone access to a national network of attorneys for consultation on various legal issues, financial counseling and grief counseling. Visit Lifeworks (username: lfg, password: resources) or call 1-877-849-6034.
Life Events & Milestones: Learn more about financial considerations during all of life's moments — big or small —so you can focus on the here and now.

To learn more, see our Frequently Asked Questions.