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 providers 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 should be initiated through the Office of Group Insurance for auditing and tracking purposed. All requests for benefit payments must be submitted to the Office of Group Insurance to initiate the claim review process.
Some agencies and schools do not participate in this benefit option. Please check with your HR department to verify coverage options.
Basic Life
For participating agencies and schools that are not in the LUMA system speak with your agency’s human resource office for enrollment information and forms.
Optional Life (State Police only)
Enrollment is completed in the LUMA system. Contact your agencies HR department with additional questions.
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. If you are not with a State Controller’s Office paid agency, 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. State Controller paid agency employees will update elections and beneficiaries in LUMA.
I had a baby/adopted, how do I add my dependent to my policy?
You may change your beneficiary designation at any time. If you are not with a State Controller’s Office paid agency, 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. State Controller paid agency employees will update elections and beneficiaries in LUMA.
I got divorced and need to update my beneficiaries. What is recommended?
You may change your beneficiary designation at any time. If you are not with a State Controller’s Office paid agency, 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. State Controller paid agency employees will update elections and beneficiaries in LUMA.
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).
Voluntary Term Life (VTL)
Employees may purchase 1x, 2x or 3x their annual salaries’ worth of coverage (salaries are rounded up to the next highest $1,000 up to a 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 receive a request of Proof of Good Health for yourself and any dependents you add to this coverage. This request will be sent directly to your designated email from the carrier, Principal.
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.
FY2026 Voluntary Term Life (VTL) Monthly Premiums
*Premiums effective July 1, 2025 – June 30, 2026
| Employee Age | Employee Coverage - Monthly Rates per $1,000 of coverage | Spouse Coverage - Monthly Rates per $10,000 of coverage |
|---|---|---|
| 35 and under | $0.04 | $0.40 |
| 36 - 40 | $0.07 | $0.70 |
| 41 - 45 | $0.10 | $1.00 |
| 46 - 50 | $0.17 | $1.70 |
| 51 - 55 | $0.26 | $2.60 |
| 56 - 60 | $0.48 | $4.80 |
| 61 - 65 | $0.65 | $6.50 |
| 66 - 70 | $0.99 | $9.90 |
| 71 - 75 | $1.42 | $14.20 |
| 76 - 80 | $2.14 | $21.40 |
| 81 + | $3.20 | $32.00 |
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.