Employee & Dependent Life Insurance

Employee and Dependent Life Insurance is offered through Securian Financial (Minnesota Life).

           Securian Image

Employee Life Insurance

One times Basic Annual compensation is paid by employer at no cost to the employee.  Maximum amount of $250,000.

Optional Employee Life Insurance

One, two, three, four, or five times salary rounded to the highest $1,000.  Maximum amount of $500,000.

Age and rate information
Employee Age Premium per $1,000
Under 30 0.018
30-34 0.022
35-39 0.027
40-44 0.040
45-49 0.065
50-54 0.106
55-59 0.158
60-64 0.251
65-69 0.398
70 and over 0.811

Dependent Life Insurance

$7,500 for spouse and  $5,000 for each dependent child - bi-weekly premium $0.95.

Optional Dependent Life Insurance

Spouse/Domestic Partner $10,000.  Child(ren) $5,000 each; bi-weekly premium, $2.92.

Voluntary AD&D

The basis for principal sum and cost is the employee annual base compensation. Premiums are automatically adjusted as annual base compensation may change. The AD&D Insurance coverage is available at an employee only or employee and dependent(s) level.

Annual Base Salary Principal Sum Employee Only Employee & Dependent(s)
$15,000 to $20,000 $80,000 $1.12 $1.76
$20,000 to $40,000 $1000,000 $1.40 $2.20
$40,000 + $150,000 $2.10 $3.30


Making Life Insurance Policy Changes

City of St. Louis employees may make changes to their life insurance policy through the City at any time. To make a beneficiary change, increase or decrease the amount of coverage, or to add or drop a policy, a consolidated enrollment form will need to be completed and returned to The City of Saint Louis Employee Benefits Section.

Additionally, for optional life insurance 4 or 5 times Basic Annual compensation and dependent life insurance, an evidence of insurability form will need to be submitted as well. 

Certificate and Portability information




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