Learn about UVA Group Term and Supplemental Life Insurance and Changes
Life insurance helps protect the people who depend on you financially. In exchange for your premium payments, the insurance company pays a lump-sum benefit (called a death benefit) to your designated beneficiaries if you die. Your beneficiaries can use this money to replace lost income, pay funeral expenses, pay off debts, or help cover other financial needs.
Beginning January 1, 2027, MetLife will become UVA’s life insurance carrier for ORP and MCRP participants and Housestaff. VRS participants are not affected by this change.
Answer three questions to see the 2027 life insurance opportunities and actions that apply to you.
You can request additional coverage
If you want coverage above the guaranteed amounts available during Open Enrollment, you can request it through Workday beginning January 1. Health questions and MetLife approval may be required.
Access MetLife services
Eligible employees enrolled in supplemental life insurance will gain access to MetLife Advantages resources.
Continue coverage if you leave UVA
Eligible group term life insurance may be continued directly through MetLife.
Benefits-eligible employees may purchase additional life insurance equal to one to four times their base annual earnings, up to a maximum of $500,000.
Your monthly cost is based on your age and the amount of coverage you elect. Supplemental life insurance rates will decrease beginning January 1, 2027, and the new rates are guaranteed through December 31, 2029.
Select your age range to see your 2027 employee and spouse supplemental life insurance rates.
Rates are the monthly cost per $1,000 of coverage.
Rates for ages 29 and under
Employee supplemental life
$0.043
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $4.30 per month.
Spouse life insurance
$0.074
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $7.40 per month.
Spouse life insurance rates are based on the covered employee's age, not the spouse's age.
Rates for ages 30–34
Employee supplemental life
$0.048
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $4.80 per month.
Spouse life insurance
$0.083
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $8.30 per month.
Spouse life insurance rates are based on the covered employee's age, not the spouse's age.
Rates for ages 35–39
Employee supplemental life
$0.055
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $5.50 per month.
Spouse life insurance
$0.094
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $9.40 per month.
Spouse life insurance rates are based on the covered employee's age, not the spouse's age.
Rates for ages 40–44
Employee supplemental life
$0.080
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $8.00 per month.
Spouse life insurance
$0.137
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $13.70 per month.
Spouse life insurance rates are based on the covered employee's age, not the spouse's age.
Rates for ages 45–49
Employee supplemental life
$0.124
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $12.40 per month.
Spouse life insurance
$0.213
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $21.30 per month.
Spouse life insurance rates are based on the covered employee's age, not the spouse's age.
Rates for ages 50–54
Employee supplemental life
$0.184
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $18.40 per month.
Spouse life insurance
$0.317
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $31.70 per month.
Spouse life insurance rates are based on the covered employee's age, not the spouse's age.
Rates for ages 55–59
Employee supplemental life
$0.288
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $28.80 per month.
Spouse life insurance
$0.495
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $49.50 per month.
Spouse life insurance rates are based on the covered employee's age, not the spouse's age.
Rates for ages 60–64
Employee supplemental life
$0.432
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $43.20 per month.
Spouse life insurance
$0.743
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $74.30 per month.
Spouse life insurance rates are based on the covered employee's age, not the spouse's age.
Rates for ages 65–69
Employee supplemental life
$0.748
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $74.80 per month.
Spouse life insurance
$1.285
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $128.50 per month.
Spouse life insurance rates are based on the covered employee's age, not the spouse's age.
Rates for ages 70 and above
Employee supplemental life
$0.748
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $74.80 per month.
Spouse life insurance
$1.285
per $1,000 of coverage each month
Example: $100,000 of coverage would cost $128.50 per month.
Spouse life insurance rates are based on the covered employee's age, not the spouse's age.
Be sure to enroll all eligible dependent children. Coverage can continue until your youngest covered child reaches age 26.
You may purchase supplemental Accidental Death & Dismemberment (AD&D) coverage for yourself, your spouse, or your children.
The monthly cost is $0.018 per $1,000 of coverage.
AD&D provides an additional benefit when a covered death or certain serious injuries result from a covered accident.
For example, if you elect $200,000 in coverage, your coverage would become $130,000 at ages 65–69, $100,000 at ages 70–74, and $70,000 at age 75 and older.
Spouse life insurance follows the same reduction schedule. The reduction is based on the employee's age, not the spouse's age.
Employees enrolled in supplemental life insurance have access to additional MetLife Advantages services at no additional cost, including:
Eligible employees may also have access to one-on-one estate planning assistance with an attorney, either in person or by phone.
MetLife Advantages ResourcesYou may be able to continue your group term life insurance after leaving the University by paying premiums directly to MetLife.
You can continue eligible coverage through the portability option without answering health questions.
For questions on 2026 life insurance, contact The Standard at 1.800.843.7979.
For questions on 2027 life insurance, please contact MetLife at 833.711.1384.
The Standard Resources:
For questions on 2027 life insurance, please contact MetLife at 833.711.1384.
For help with life insurance coverage, enrollment, beneficiaries, or the transition to MetLife, contact AskHR at AskHR@virginia.edu or 434-243-3344.
Open Enrollment FAQs
The Open Enrollment process for all Postdoctoral Fellows (non-UVA employees) is managed through UVA Human Resources. For additional information specific to Postdoctoral Fellows, contact AskHR@virginia.edu with the subject line "Postdoc Fellow Benefits".
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