State Group Life Insurance (SGL) offers term life insurance to employees and their spouse and eligible children. Coverage is based on an employee’s annual salary. An employee may elect coverage of up to five times his or her annual salary, up to $20,000 of spouse coverage and up to $10,000 of child coverage.

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

  • Employee coverage is based on your annual earnings – if an employee’s annual earnings increase, their coverage automatically increases the following year.
  • If an employee is terminally ill with a life expectancy of 12 months or less, they may receive up to the full amount of their coverage prior to their death.
  • If the employee’s death is accidental, their death benefit will double.
  • If the employee has a dismemberment or experiences a loss of use, they will receive a portion of their benefit.
  • Conversion pdf of coverage to an individual policy at the end of employment.
  • Continuation of coverage at retirement or termination with at least 20 years of WRS service (eligibility requirements must be met). Employee is no longer required to pay premium when they turn 65 and are retired.
  • Premiums may be waived if the employee become totally disabled.
  • Access to the Lifestyle Benefit Program through Securian Financial which offers legal, financial and grief resources, travel assistance, legacy planning resources and beneficiary financial counseling to all active, State of Wisconsin employees. This program is offered free of charge and no enrollment is required. Click here for more information.
State Group Life Insurance is administered by the Department of Employee Trust Funds (ETF) and is underwritten by Securian Financial Group.


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

  • Eligible for coverage under the Wisconsin Retirement System; and
  • Under age 70 at the time of initial eligibility (if 70 or older when initially eligible, can only apply for coverage through Medical Evidence of Insurability); and
  • Not receiving a Wisconsin Retirement System annuity.


Employees have 30 days from your date of employment or their newly benefits-eligible job to enroll their self and eligible family members in State Group Life Insurance. Coverage will begin on the first day of the month following 30 days from your eligibility date.

If the employee does not enroll in State Group Life Insurance during their initial 30-day enrollment period, they may apply for coverage if they have a qualifying life event (see Life Events) or at any time through Evidence of Insurability pdf (acceptance not guaranteed).

For enrollment through a qualifying life event, coverage is effective on the first of the month following thirty (30) days after the date of event. Coverage through evidence of insurability is effective on the first of the month on or following the approval of  their application by the plan’s underwriter.

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

Coverage Levels

Employee Coverage

Select one to five units of employee coverage. Each unit of coverage is based on the employee’s annual salary, rounded to the nearest $1,000. The employee’s coverage level will automatically increase if their salary increases and is adjusted annually.

Spouse & Dependent Coverage

Select one or two units of spouse & dependent coverage. Each unit insures the employee’s spouse for $10,000 and each dependent child for $5,000. All children will be covered under dependent coverage. Employee’s must enroll in Employee coverage in order to enroll in Spouse & Dependent coverage.

For detailed information regarding who an employee can cover on this plan, see the .

Beneficiary Information

Employees are encouraged to designate a beneficiary(ies) to ensure benefits are paid according to their wishes. Whenever an employee has a life event, such as a marriage, divorce, birth of a child, beneficiary designations should be reviewed and updated. Beneficiary designations can be changed at any time.

For more information on beneficiary designations, see the Beneficiary Information page.


For State Group Life Insurance premiums, see the Premiums page.

The employer contribution for basic coverage is 65.25% of the employee-paid premium. The employer contribution for supplemental coverage is 37.25% of the employee-paid premium.

Forms & Resources

last updated: 07/31/18


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