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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 either Group Universal Life (GUL) insurance or Group Optional Term Life (GOTL) insurance. Group Term Life insurance for a spouse/domestic partner/dependent children is also available under GUL or GOTL insurance.



GUL or GOTL: Which coverage is right for you?

Group Universal Life
(GUL) Insurance

Group Optional Term Life
(GOTL) Insurance

Pays the policy benefit and any accumulated cash value if the insured person dies during the term coverage.

Pays the policy benefit if the insured person dies during the term coverage.

Allows you to contribute additional premiums to accumulate cash value that can be used during your lifetime for needs such as paying for college, buying a new home or building retirement funds.

Often used to cover a specific need such as covering medical bills and burial, or paying off a home mortgage.

You may continue all of your GUL coverage until age 100 if you terminate, retire from the University of Rochester or become ineligible for the plan (i.e. Time-As-Reported-TAR).

You may continue your GOTL coverage, within limits, until age 70 if you terminate, retire from the University of Rochester or become ineligible for the plan (i.e. Time-As-Reported-TAR).


Interactive Rate Calculator

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


When Can I Enroll?

You can enroll in GUL/GOTL 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.