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Life Insurance

Basic Life and AD&D

Boise State provides Basic Life and Accidental Death and Dismemberment (AD&D) Insurance through Principal Life Insurance Company at no cost to employees. Coverage is equal to one times your annual pay, with a minimum of $20,000. The policy also includes $10,000 of life insurance for your spouse and $5,000 for each eligible dependent child. In the event of an employee’s accidental death, a benefit equal to one times the annual pay is paid in addition to the Basic Life benefit.


Voluntary Term Life

The Office of Group Insurance offers a Voluntary Term Life Insurance Plan (VTL) for employees, spouses, and children. Employees may purchase 1x, 2x or 3x their annual salaries’ worth of coverage (minimum of $20,000 and maximum of $500,000) as well as purchase spouse and child coverages. If you elect this coverage, you pay the entire monthly premium; how much you pay depends on your benefit amount and your age group. If you enroll in Voluntary Term Life (VTL) coverage more than 31 days after your date of hire, you will be required to provide Proof of Good Health for yourself and any dependents you add to this coverage.

  • Spouse Coverage: Premiums for Spouse Coverage are based on the employee’s age. Benefits for spouses over age 70 are limited to $10,000 unless Evidence of Insurability is completed and approved by the carrier for coverage up to $50,000.
  • Child Coverage: If this coverage is elected, the total monthly premium is $1.80 regardless of the number of children in the employee’s family.

National Conference of Public Employees Retirement Systems (NCPERS) Life Insurance: This optional insurance is available only to employees enrolled in the PERSI retirement plan. The NCPERS plan, provided by Prudential, offers decreasing term life insurance for active PERSI members, with a monthly premium of $16. Enrollment is available within 30 days of employment or during the annual open enrollment period.


Supplemental Health, Life, and Disability

American Family Life Assurance Company of Columbus (AFLAC) offers guaranteed renewable supplemental insurance plans, including coverage for cancer, critical illness, hospital stays, personal accidents, short-term disability, and life insurance. For rates and more information, contact Reuel Davis at (208) 891-0114 or reuel_davis@us.aflac.com.