Life Insurance

Basic Life Insurance

Financial stability is important to every member of the university community.  All regular, full-time Murray State employees receive basic $10,000 term life insurance coverage and a $10,000 accidental death and dismemberment (AD&D) coverage at no cost to the employee.

 Supplemental Life and AD&D Insurance

In addition to basic life and AD&D insurance, regular full-time employees can purchase additional supplemental term life coverage, which includes AD&D coverage up to $500,000 with evidence of insurability. New hires may purchase supplemental life insurance up to $250,000 without evidence of insurability at initial enrollment. An EOI is a questionnaire and sometimes requires a brief medical exam.  The cost for supplemental life and AD&D insurance is $.24 per month for every $1,000 of coverage.  The coverage must be purchased in increments of $10,000.