Individual & Family Group Life Insurance (I&F) offers term life insurance to employees and their spouse or domestic partner and eligible children. An employee may initially select up to $20,000 of employee coverage, $10,000 of spouse or domestic partner coverage, and $5,000 of child(ren) coverage. There is an annual opportunity to increase coverage.

In addition to benefits payable in the event of a death, this plan provides the following benefits:

  • An annual opportunity to increase your coverage level.
  • If you are terminally ill with a life expectancy of 12 months or less, you may receive up to the full amount of your coverage prior to your death. This living benefit is also available for an insured spouse/domestic partner or child.
  • Conversion to an individual policy at the end of employment.
  • Premiums may be waived to age 65 should you become totally disabled prior to turning age 60.
Individual & Family Group Life Insurance (Group Policy #32871-G) is administered by University of Wisconsin System Administration and underwritten by Securian Financial Group.


You must meet the following requirements to be eligible for this plan:

  • Eligible for State Group Health Insurance; and
  • Are not receiving a Wisconsin Retirement System (WRS) annuity.

Note: If you and your spouse/domestic partner are both eligible for this plan as UW System employees, you and your spouse/domestic partner may only be covered as an employee or a dependent – not both. This rule also applies to eligible children who are also eligible for this plan as an employee.


You have 30 days from your date of employment or your newly benefits-eligible job to enroll yourself and eligible family members in Individual & Family Group Life Insurance (I&F). Your coverage will begin on the first of the month following 30 days from your eligibility date.

For information regarding who you can cover on this plan, see the . Note that there are three (3) different levels of coverage: Employee, Spouse/Domestic Partner and Child(ren).

If you do not enroll in Individual & Family Life Insurance during your initial 30-day enrollment period, you may apply for coverage at any time through Evidence of Insurability (acceptance not guaranteed). The Evidence of Insurability form can be accessed in the Forms & Resources section below. Coverage through evidence of insurability is effective on the first of the month on or following approval of your application by the plan’s underwriter.

If you were initially eligible for coverage when you were not covered by the WRS, you will receive a new opportunity to enroll within 30 days of your WRS coverage begin date.

If you did not enroll eligible family members during your initial 30-day enrollment period, you may add spouse/domestic partner and/or child(ren) coverage if you have a qualifying life event. See Life Events for more information.

Note: You may decrease or cancel coverage at any time during the year.

Coverage Levels

Coverage Type Initial Enrollment
Coverage Levels
Maximum Coverage Level
Employee $5,000, $10,000,
$15,000 or $20,000
Spouse / Domestic Partner $5,000 or $10,000 $150,000
Child(ren) $2,500 or $5,000 $25,000
Note: The amount of Spouse/DP and Child(ren) coverage may never exceed the amount of employee coverage in effect.

You must enroll in Employee coverage in order to enroll in Spouse/Domestic Partner and/or Child coverage.


For Individual and Family Group Life Insurance premiums, see the Premiums page.

Beneficiary Information

You are strongly encouraged to designate a beneficiary(ies) to ensure benefits are paid according to your wishes. To designate a beneficiary(ies), complete the Beneficiary Designation Form which can be accessed in the Forms & Resources below and submit it directly to UW System Administration (the address is listed at the bottom of the form).

If there is no eligible beneficiary, or you do not name one, benefits will be paid in the following order:

  • Your surviving spouse or domestic partner, otherwise;
  • Your surviving children equally, otherwise;
  • Your surviving grandchildren equally, otherwise;
  • Your surviving parents equally, otherwise;
  • Your surviving siblings equally, otherwise;
  • Your estate.

All claims associated with the death of a covered family member will be paid to the employee.

For more information, see the Beneficiary Information page.

Forms & Resources

last updated: 12/9/2016

Every effort has been made to ensure this information is current and correct. This page does not guarantee enrollment or the ability to make changes to your benefits.