Life Insurance

Information and Forms

Basic and Supplemental Life/AD&D Enrollment/Change Form

Life Insurance Rates

Group Life Certificate

Medical History Statement/EOI


Portability vs Conversion

Portability / Conversion Expectations

Notice of Group Life Conversion

Notice of Group Life Conversion and Portability

Portability Kit

Portability Application

Conversion Kit

Conversion Application


Basic Coverage

Eligible employees are covered by a group term life insurance policy with Sun Life Financial. Life insurance coverage amounts start to decrease on a graduated scale beginning at age 70. Our life insurance policy includes accidental death and dismemberment benefits. These policies come with portability and conversion options upon termination of employment.

Upon employment, eligible employees have a basic term life coverage equal to their salary with Sun Life Financial. The basic life benefit reduces on a graduated scale beginning at age 70. Optional supplemental insurance coverage is available at a subsidized employee cost in amounts of one, two, three or four times your annual salary. The maximum death benefit varies by employee group. The life insurance policy includes accidental death and dismemberment benefits.

For new employees, if completed forms are received by the HR Service Center within 30 days of the date of hire, coverage begins on the date of hire. Otherwise, coverage begins on the first of the month following receipt of the completed form. Coverage subject to Evidence of Insurability will be effective upon approval by Sun Life Finanical. 

Dependent Coverage

Eligible employees also have the opportunity to purchase life insurance for a spouse and/or dependent child(ren). Other eligible persons are eligible for spouse coverage. Eligible dependent children include any child claimed on your most recent income tax return, foster children to age 19 (or 25 if a full-time student) and disabled dependents over age 25. 

Life Insurance Over $50,000

The value of employer-paid group term life insurance in excess of $50,000 may generate income that must be included in your W-2 earnings. The amount of income is determined using an IRS table.

Taxable life premiums are collected once per month, so if you are subject to the tax, you will notice a fluctuation in your net pay.

For more information see,-State-&-Local-Governments/Group-Term-Life-Insurance

Increasing Your Life Insurance

You can increase your insurance coverage to one of the following options:

  • the basic plus one times your salary,
  • the basic plus two times your salary,
  • the basic plus three times your salary, or
  • the basis plus four times your salary

The maximum available insurance option is the basic life insurance plus four times your salary. To increase to either option, you may be required to complete a Medical History Statement/EOI submission, in addition to an enrollment/change form. Both forms must be submitted to Sun Life Financial for review. If your request is approved by Sun Life Financial, the change takes effect immediately. You will receive confirmation of the approval from the HR Service Center.

Reductions To Your Life Insurance

Beginning at age 70, life insurance coverage amounts (basic and supplemental) start to reduce by the percentages on the following table:

Age Percentage
70 through 74 67%
75 through 79 45%
80 through 84 30%
85 or over 20%


Emergency Travel Assistance and Identity Theft Protection


Online Will Preparation

Create your own will online for free by using your legal and financial benefit from Sun Life Financial. The Online Will program enables you to select from several will formats and choose the one that applies to your personal situation and needs. Wills are state-specific. Online Will preparation is available at: (Must insert promo code located in the brochure).

Will Prep Brochure