Life Insurance Overview

  • Provider Information:

    The current life insurance carrier is Minnesota Life (Securian). The insurance broker that assists with questions relating to life insurance is Ochs Agency, please contact the Och's Agency with any questions at 651-665-3789.


    Basic and Additional Term Life Insurance:

    Basic and additional life insurance coverage is provided by SPPS to benefit-eligible employees (working at least 20 hours per week).  Enrollment date is based on your bargaining unit, please see your Benefit Summary by Bargaining Unit. For participants in the Cafeteria Plan, basic and additional life insurance is a core benefit. For participants in a non-cafeteria plan it is a District paid benefit.

    Optional Term Life Insurance (including AD&D):

    Benefit eligible employees can apply for optional term life insurance within 30 days of their hire event. A certain amount of optional life insurance is *Guaranteed Issue for new hires and family members within 30 days of hire.   

    After the initial 30-day window, life insurance can only be added (or coverage amounts increased) during Active Enrollment or with a qualifying status change.  Employees that add or increase coverage amounts during Active Enrollment or with a qualifying status change will be contacted by the carrier with information on how to complete an Evidence of Insurability questionnaire (EOI).

    Employees (outside of a new hire event) DO NOT need to fill out a paper EOI form

    With a qualified family status change you can elect the following insurance without an EOI: 

    • Child term life:  All guaranteed (No EOI)
    • Employee AD&D:  All guaranteed (No EOI)
    • Spouse AD&D: All guaranteed (No EOI)


    *Guaranteed Issue is an amount of coverage that does not require Evidence of Insurability (EOI).

Employee and Spouse Optional Life

  • Age at Employment

    Guaranteed Issue Amount at  Time of Hire or with a Qualifying Status Change
    (If elected)

    Employees under age 59

    Up to $150,000

    Employees over age 59


    Spouse (any age)

    Up to $25,000

Employee and Spouse Optional Life Costs

  • Age of Employee or Spouse

    Monthly Cost per $1000 of coverage

    Under 25 







    40-44  $0.09
    45-49  $0.12
    50-54  $0.19
    55-59  $0.32
    60-64  $0.52
    65-69  $0.93
    70 and Over  $1.49

Dependent Life Insurance Costs

  • Child life insurance covers all your children from live birth to age 26

    $10,000 Coverage  $1.30 per month (flat rate)

    Birth to 6 months of age receive a $1,000 benefit.

Accidental Death and Dismemberment Cost (AD&D)

  • Accidental Death and Dismemberment Costs


    $.025 per $1,000

    Spouse $.030 per $1,000

    Employees can purchase Accidental Death & Dismemberment (AD&D) coverage in increments of $5,000 up to a maximum of $200,000 for one's self, and up to 50% of the AD&D coverage selected (to a maximum of $100,000) on a spouse.  The dismemberment benefit provides coverage for loss of limb or eyesight at (1/2 the amount for the loss of one and full amount for the loss of two or more.)

  • Securian

    Find the Life Insurance that's right for you!

    Use the Securian benefits decision tool, Benefit Scout™, to help you and your family make your insurance elections with confidence.


    Not sure how much life insurance you need?

    Check out Securian's calculation tool to assist you with the amount that is right for you:

Life Insurance Plan Summary