The University Insurance Association (UIA) Life Insurance plan offers decreasing term life insurance to eligible Faculty, Academic Staff and Limited Appointees. Coverage levels range from $101,000 – $3,400 depending on your age. This life insurance plan covers you as the employee; there is no coverage available for family members.

Coverage is a condition of employment if you meet the eligibility requirements.

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

  • 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.
  • If you become 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.

The University Insurance Association Life Insurance Plan (Group Policy #32872-G) is underwritten by Securian Financial Group.


The following requirements must be met each January 1st to be eligible for this plan:

  • Have a Faculty, Academic Staff, or Limited appointment; and
  • Be actively employed as of January 1st; and
  • Meet the minimum monthly salary threshold ($3,043 for the 2024 plan year, effective January 1, 2024); and
  • Are not receiving a Wisconsin Retirement System (WRS) annuity.

Coverage is effective January 1st, provided requirements are met and premium is paid. If employment starts after January 1st, you must wait until the following year for enrollment.


If you meet the eligibility criteria for a given year, enrollment is automatic and no application is required.

Coverage Levels

Coverage level is based on your age as of January 1st of the current year.

Under 28 $101,000 49-51 $22,600
28-30 98,100 52-54 17,200
31-33 90,900 55-57 13,100
34-36 78,900 58-60 10,300
37-39 65,000 61-63 8,200
40-42 50,900 64-66 6,100
43-45 39,100 67-69 4,500
46-48 30,000 70+ 3,400
Age as of January 1 Benefit Amount Age as of January 1 Benefit Amount

Beneficiary Information

You are encouraged to designate a beneficiary(ies) to ensure benefits are paid according to your wishes. Review and update beneficiary designations whenever a life event occurs (marriage, divorce, or birth of a child). Beneficiary designations can be changed at any time.

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

Benefit Premiums

The annual premium for the UIA Life Insurance plan is $38.40. Premium is deducted from January earnings. The Universities of Wisconsin does not contribute to the premium.

Eligible employees on a leave of absence are billed for the annual $38.40 premium. Premium must be remitted within 60 days following December 31st or coverage will end as of December 31st of the prior year, with no option of conversion.

Retired employees who elect to continue UIA Life Insurance are billed for the annual $38.40 premium in November. Premium must be remitted by December 31st or coverage will end as of December 31st of the current year.

University Insurance Association Board

The University Insurance Association (UIA) and the UIA Board were established in 1939 to promote the welfare of the public employees of the University of Wisconsin engaged in teaching, research, or administration by providing life insurance to its members.

The life insurance is meant to supplement retirement benefits that may provide inadequate protection to the families of employees who die before retirement or after a short period of service.

The UIA Board, which consists of nine employees elected by members of the UIA, represents all Universities of Wisconsin System employees who are members of the UIA. The Board administers the decreasing term life insurance offered by the UIA. Faculty, Academic Staff and Limited appointees, who meet the annual eligibility requirements, are automatically considered members of the UIA and are covered by the decreasing term life insurance.

Review the University Insurance Association Life Insurance Board Member List pdf for a current listing of UIA Board members.

Forms & Resources

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.

Updated: 04/01/2024