Life Insurance

Life insurance helps protect your loved ones from financial hardship.

Basic Member Coverage

  • MOSERS provides group term life insurance through Standard Insurance Company (The Standard) to most members.
  • There is no cost to you for basic coverage.
  • Coverage is equal to one times your annual salary.
Travel Assistance

As part of your basic member coverage, you and your family are automatically eligible for Travel Assistance Flyer and Wallet Card. This includes help with trip planning, lost travel documents, and emergency medical or legal resources while you are away from home.

Life Services Toolkit

View our online Life Services Toolkit for information and tools on estate and financial planning and funeral arrangements (enter username "assurance"). The toolkit includes information and a variety of resources for you and your family including resources for grief support and legal services in the event of your death.

Optional Member & Dependent Coverage

If you choose, you may purchase additional life insurance coverage for yourself and your dependents.

Member Coverage
  • You must enroll to purchase optional life insurance coverage and may be asked to submit evidence of insurability.
  • Use the Optional Life Insurance Calculator to determine your monthly premium.
  • Coverage is based on a flat amount in $10,000 increments and cannot exceed six times your salary (rounded up to the nearest $10,000 increment) or $800,000.
  • A family status change allows you to apply to increase your coverage within 31 days of an eligible life event without proving insurability.
  • MOSERS offers an Annual Life Insurance Review Period every October for member coverage. The review period gives eligible members the chance to increase their own optional coverage in increments of $10,000 without completing additional medical history forms. We will notify you each September if you are eligible.
Dependent Coverage

If you have optional life coverage on yourself, you may purchase coverage for your spouse and eligible children.

  • You must enroll to purchase insurance coverage for your child(ren).
  • Coverage is $10,000 per eligible child.
  • Your cost for child coverage is a flat $2 for your eligible child(ren), regardless of the number of children.
  • We do not require evidence of insurability for eligible children.


  • As a new employee, you may enroll yourself, and your dependents, through SEBES within 31 days of employment.
  • Log in to myMOSERS and complete the Enrollment/Change-Optional Life Insurance form to add:
    • coverage if you did not enroll through SEBES
    • additional coverage for yourself after a family status change
    • or increase coverage for your spouse
    • coverage for a child

The detailed provisions of your life insurance benefits, including enrollment, can be found in the Basic and Optional Life Insurance Handbook.


  • It is important for you to keep your life insurance beneficiaries up to date. Review your current beneficiary designations and make any changes at myMOSERS.
  • In the event of your death, your beneficiary should contact us as soon as possible.

More Information

Standard's Medical History Statement

This form is to be used when evidence of insurability is required. Choose either the online or the printable PDF option:

Online Application

By completing your Medical History Statement online, determinations are made much faster, if not automatically. Please allow between 10 to 30 minutes to fill out the application - depending on your health history.

Print & Mail Application 

You may choose to print The Standard's Medical History Statement and mail it to The Standard. The Group Number for the form is 604201. Note that if you submit an application by paper, it may take up to 90 days to get a decision.