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Life Insurance Overview

Regular full-time and part-time faculty and staff are eligible for University-Paid Basic Term Life insurance, and have the option to purchase Group Universal Life (GUL) insurance. Group Term Life insurance for a spouse/domestic partner/dependent children is also available.



GUL Insurance

GUL insurance pays a death benefit and, in addition, allows the owner to contribute additional premiums beyond the cost of the insurance to accumulate cash value that can be used during his or her lifetime for needs such as paying for college, buying a new home or building retirement funds. If you terminate, retire from the University of Rochester or become ineligible for the plan (i.e. Time-As-Reported-TAR), you may continue all of your GUL coverage until age 100 by paying premiums directly to Securian Financial.


Interactive Rate Calculator

Use this rate calculator to view the cost for different amounts of GUL insurance for you and Group Term Life for your dependents.


When Can I Enroll?

You can enroll in GUL insurance at any time, however, proof of good health may be required depending on when you enroll. For details about the different enrollment period requirements, see the Group Life Insurance Guide.