Optional Life Insurance

Life insurance provides financial protection for you and your family. You can apply for guaranteed member, spouse and child coverage.

Couple (man & woman) with their dog sitting on the couch

Open Enrollment Dates

  • September 1-30: Cities, counties and school employers
  • October 1-31: State agencies and Kansas Board of Regents

Coverage starts January 2024

Open Enrollment Slides

Rate Sheets: Member | Spouse | Child Coverage

Calculator: How much do I need?

For help determining how much coverage you need, check out the Decision Support Tool.

Need a paper application form? Enrollment Form

Coverage at a Glance

Guaranteed coverage for open enrollment:

Who's Covered Anytime Coverage Guaranteed Coverage
Member In $5,000 increments, up to plan max $400,000 Add up to $50,000 without health questions (to $250,000 guaranteed max)
Spouse In $5,000 increments, up to plan max $100,000 Add up to $25,000 without health questions (to $25,000 guaranteed max)
Child $10,000 for $1.20/month
$20,000 for $2.20/month
$10,000 or $20,000 without health questions

Questions? Contact The Standard

KPERS Optional Life Insurance benefits are underwritten by Standard Insurance Company.

The Standard Branch Office
800 SW Jackson, Suite 110 Topeka, KS 66612

Toll Free: 1-844-289-2306
Email: [email protected]

Definition of an Eligible Child: The insured employee’s children, stepchildren and legally adopted children who are unmarried and dependent on the insured for financial support. Children are eligible from live birth (stillborn or unborn children are not eligible) to the attainment of age 26. Children age 26 or older are also eligible if they are physically or mentally incapable of self-support, were incapable of self-support prior to age 26 and are financially dependent on the employee for more than one-half of their support and maintenance.

If both parents of a child qualify as eligible employees under the group policy, the child shall be considered a dependent of only one parent for this purpose. If any child qualifies as an eligible employee under the group policy, he or she is not eligible to be insured as a dependent child.

Note: KP&F members must have member optional coverage to be eligible for spouse coverage

Note: KPERS retirees are not eligible for member coverage. You cannot cover your spouse if he/she is an active member of KPERS, KP&F, Judges or Kansas Board of Regents Mandatory Retirement Plan.

Note: You must be actively at work on the day before the scheduled effective date for your coverage to be effective. If you are not actively at work the day before your scheduled effective date, your coverage will not become effective until the day after you complete one full day at work as an eligible member.

Note: If your spouse or children are full-time members of the U.S. armed forces, they may not be eligible for coverage.