Additional optional life insurance coverage is also available for regular full-time employees in the amount of 1 or 2 times annual salary up to $400,000. The employee is responsible for entire cost of the optional coverage. If elected, this coverage becomes effective on the first of the month following completion of 90 days of active service. Benefits continue at a reduced rate after age 65.

Optional coverage for spouses and dependents is also available. The employee is responsible for the entire cost of the coverage.