Life and AD&D Insurance

Voluntary Life and AD&D

You may purchase additional Voluntary Life and AD&D (Accidental Death & Dismemberment Insurance) insurance with Lincoln Financial Group to cover any gaps in your existing coverage that may be a result of age reduction schedules, cost of living, existing financial obligations, etc.

Your election, however, could be subject to medical questions and Evidence of Insurability (EOI).
You are required to elect coverage for yourself in order to elect coverage for your spouse and/or dependents.
Your contributions will depend on your age and the amount of coverage you elect.
Your spouse’s rate will be based on your age.
We require all employees to review and update their beneficiary designations annually.

Please refer to the summary plan description for complete plan details and rates.

What is Life Insurance?

Life insurance provides a cash benefit to your loved ones in the event of your death.

Reminder: Please review your beneficiary(ies) to ensure they are up to date. It’s good practice to review, and if necessary update, your beneficiary(ies) annually.

What is AD&D Insurance?

Accidental death and dismemberment (AD&D) insurance provides a cash benefit to you if you suffer a covered loss in an accident and provides a cash benefit to your loved ones if you die in an accident.

Name your Beneficiary

A beneficiary is the person (or persons) who will receive your benefit in the event of your death.

It’s important to keep beneficiary records on your policy current to ensure that proceeds are paid as you desire. As the policy owner, you may change the beneficiaries on your policy at any time during the life of the insured.

You can make changes to your beneficiary within UKG or by calling the HR Benefits Department.