Official Government Website

Life Insurance Plans

The goal of life insurance is to provide a measure of financial security for your family in the event something happens to you. As a benefit eligible employee of a state agency, political subdivision, university or college, your employer provides your Basic Life coverage. You then have the option to purchase additional Voluntary Term Life (VTL) coverage. Idaho State Police have an additional optional life insurance as well. Each coverage is detailed below.

All life insurance claims are administered by the Office of Group Insurance. All requests for benefit payments must be submitted to the Office of Group Insurance to initiate the claim review process.

Basic Life

The State pays the premium for this coverage; there is no cost to you.
The benefit includes not only employee benefits but also $10,000 in spousal life coverage and $5,000 in dependent life coverage.

For enrollment, beneficiary designation, and change forms, speak with your agency’s human resource office.

Optional Life (State Police only)

The plan is available only to police officer members of the Idaho State Police, as defined in I.C. 59-1303(3) and provides benefits in the amount of $50,000. If you are eligible and elect this coverage, you pay fifty percent (50%) of the monthly premium and the state pays fifty percent (50%). The current cost is $7.40 per month.

For enrollment forms, see your agency’s human resource office.

Life Insurance FAQs

My spouse/dependent is deceased, how do I claim their life insurance benefits?

Contact the Office of Group Insurance (https://ogi.idaho.gov/contact/) for questions relating to life insurance benefits for a deceased employee or dependent. The Office of Group Insurance will then obtain the necessary information from the agency’s human resource office to assist you.

I got married/divorced, how do I update my named beneficiaries?

You may change your beneficiary designation at any time. Speak to your agency’s human resources office to obtain a new Beneficiary Designation form and/or to update your Voluntary Term Life (VTL) elections and premiums.

I had a baby/adopted, how do I add my dependent to my policy? 

You may change your beneficiary designation at any time. Speak to your agency’s human resources office to obtain a new Beneficiary Designation form and/or to update your Voluntary Term Life (VTL) elections and premiums.

I got divorced and need to update my beneficiaries. What is recommended?

You may change your beneficiary designation at any time.

You may want to consider listing your child(ren) as the primary beneficiary and designate their other parent as the UTMA Beneficiary Designation (Uniform Transfers to Minor Act).

Speak to your agency’s human resources office to obtain a new Beneficiary Designation form and/or to update your Voluntary Term Life (VTL) elections and premiums.

Voluntary Term Life (VTL)

For plan details, including eligibility, exclusions and limitations, please refer to the contract posted on the top of this webpage.

Employees may purchase 1x, 2x or 3x their annual salaries’ worth of coverage (maximum of $500,000) as well as purchase spouse and child coverages. If you elect this coverage, you pay the entire monthly premium; how much you pay depends on your benefit amount and your age group.

If you enroll in Voluntary Term Life (VTL) coverage more than 31 days after your date of hire, you will be required to provide Proof of Good Health for yourself and any dependents you add to this coverage.

Spouse Coverage: Premiums for Spouse Coverage are based on the employee’s age. Benefits for spouses over age 70 are limited to $10,000 unless Evidence of Insurability is completed and approved by the carrier for coverage up to $50,000.

Child Coverage: If this coverage is elected, the total monthly premium is $1.80 regardless of the number of children in the employee’s family.



FY2025 Voluntary Term Life (VTL) Monthly Premiums
*Premiums effective July 1, 2024 – June 30, 2025

Employee AgeEmployee Coverage - Monthly Rates per $1,000 of coverageSpouse Coverage - Monthly Rates per $10,000 of coverage
35 and under$0.05$0.50
36 - 40 $0.09$0.90
41 - 45$0.13$1.30
46 - 50$0.21$2.10
51 - 55$0.33$3.30
56 - 60$0.60$6.00
61 - 65$0.81$8.10
66 - 70$1.24$12.40
71 - 75$1.78$17.80
76 - 80$2.68$26.80
81 +$4.00$40.00

If you are interested in continuing your Basic Life or VTL coverage after your employment ends, either by porting or converting the coverage, contact OGI for the appropriate forms and rate information.

ver: 4.1.2 | last updated:
Jump back to top of page button