Basic Term Life Insurance for Active Employees

Basic Term Life insurance coverage is included when you sign up for health coverage in the GBP. The cost for Basic Term Life insurance is $2.22. The state contribution covers the total cost of the premium for a full-time employee.

Plan Benefits

If you enroll in a GBP health plan, you will be automatically enrolled in a $5,000 Basic Term Life Insurance policy through Securian (formerly known as Minnesota Life). This plan also includes a $5,000 accidental death and dismemberment (AD&D) benefit. 

In the event of your death, your beneficiary, other person designated by you, or a person lawfully authorized to represent your estate, must contact ERS to obtain the instructions and forms required to file a claim for benefits. 


Basic Term Life Insurance is available to employees enrolled in a GBP health plan. The coverage is not available to family members. Evidence of Insurability is never required for Basic Term Life Insurance.


•    Basic Term Life Insurance information
•    Electing a beneficiary
•    Optional Term Life Insurance 
•    Dependent Term Life Insurance
•    Voluntary Accidental Death and Dismemberment (AD&D) insurance