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Life Insurance

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The following briefly highlights the life insurance benefits administered by MOSERS. For detailed information, you may download specific publications regarding your basic, optional, and dependent life insurance benefits.

MOSERS' life insurance is not available to employees of the Department of Conservation or state regional colleges/universities except for Lincoln University and State Technical College of Missouri.

All MOSERS insurance is "term life" insurance. There is no cash or loan value. Benefits are paid upon the death of a covered participant.

Insurance Benefits

Basic Life Insurance

Coverage Amount:  Equal to one times your annual salary ($15,000 minimum; $500,000 maximum)
Premium:  Paid by the state

Optional Life Insurance

Member:  Six times salary (up to $800,000)
Premium Rate:  Based on the member's age
Premium:  Paid by the member

Dependent Life Insurance

Spouse: Up to $100,000 (cannot exceed member's coverage)
Premium Rate:  Based on the member's age
Premium:  Paid by the member

Child(ren):  $10,000 per child, $2 per month
Premium:  Paid by the member

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Missouri State Employees' Retirement System
Address: 907 Wildwood Dr., Jefferson City, MO 65102 Phone: 800.827.1063 URL: Email: Founded On: September 1, 1957