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Supplemental Life Insurance


Group Policy Number: 724328
Phone number: 1-877-238-6200
Aetna Website:

Regular full-time and regular part-time faculty and staff can purchase supplemental life insurance coverage equal to one, two, three or four times their annual base/contracted salary, to a maximum of $500,000. Proof of insurability is required for coverage above $250,000. Coverage must be elected in multiples of the employees salary.

This benefit is contributory.

  • The cost for this coverage is currently $0.293 per $1,000 worth of coverage per month for regular full-time faculty and staff.

Plan rates are subject to change.

Coverage is effective on the first day of the month following an employee's date of hire. An Optional Life Insurance form must be completed and returned to HRD.

Changes to life insurance elections can be made during open enrollment, with changes becoming effective the following Jan. 1. Changes can also be made within 31 days of a qualifying event, as defined by the IRS. Examples of qualifying events include, but are not limited to, marriage, divorce, or birth of a child.

Age Reduction

At age 70, the amount of insurance is reduced by 50 percent.

Conversion and Portability

All life insurance policies are term insurance and are discontinued upon separation of employment. Portability or conversion options may be available. Refer to the plan document for details.

Imputed Income Tax

Premiums paid by the University for an employee's term life insurance exceeding $50,000 is included as part of gross income for tax purposes. The amount calculated is based on IRS guidelines. Please contact Payroll at 860.768.4579 for questions on imputed income.

Questions regarding this policy should be directed to your designated HR Service Partner.

For further information regarding the plan document please visit the forms page.

This page is designed to summarize the University of Hartford's supplemental life insurance benefit. It is not intended to be all inclusive. Where there are differences between the provisions of this website and more specific statements contained in University files (such as plan documents), those statements shall control.