Optional Life and AD&D Insurance
If you want more coverage than what the company-provided plans offer, you may purchase optional life and AD&D insurance for yourself, your spouse and your children at group rates through payroll deductions.
- If you currently have optional life and AD&D, you won’t be subject to Evidence of Insurability (EOI) or proof of good health.
- Full guaranteed issue amounts are only available to new hires without EOI.
- Until Guardian has approved your application, your coverage amount in effect will be the guaranteed issue amount - $200,000 for employees and $50,000 for spouses.
- EOI is not required for voluntary child life coverage.
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| Guardian | Employee Optional | Spouse Optional | Child Optional Children 14 days to 26 years |
|---|---|---|---|
| Optional Life |
Available in $10,000 increments up to $500,000 EOI required for amounts over $200,000 |
Available if you also purchase employee optional life
Available in $5,000 increments up to $250,000 (not to exceed 50% of employee coverage) EOI required for amounts over $50,000 |
Available if you also purchase employee optional life $5,000 or $10,000 in coverage No EOI required Birth to 14 days allows for a $500 benefit |
| Optional AD&D |
Available in $10,000 increments up to $500,000 | Available if you also purchase employee optional AD&D
Available in $5,000 increments up to $250,000 (not to exceed 50% of employee coverage) |
Available if you also purchase employee optional AD&D $5,000 or $10,000 in coverage No EOI required |