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Whole / Term Life Insurance

UNUM Life Insurance

The law provides that active employees may receive benefits equal to twice the amount of the employee's annual wage rounded up to the next $1,000, subject to a minimum benefit amount of $30,000 and a maximum of $100,000. For example, if your annual salary is $26,400, your life insurance amount will be $53.000 ($26.400 x 2 = $52,800 rounded up to $53,000). If your annual salary is under $15,000 and you elect life insurance coverage, your life insurance amount will be #$30,000. If your annual salary is over $50,000 and you elect life insurance coverage, your life insurance amount will be $100,000. Benefit amounts are fixed, subject to minimum and maximum coverage amounts. The State's group term life insurance plan also provides for a like amount of accidental death and dismemberment benefit at no additional cost and a premium waiver provision for employees who become totally and permanently disabled prior to age 65.

The State pays 50% of the cost of the life insurance plan for all full-time active employees. The current monthly premium is 18 cents per $1,000 of benefits, with the State paying 9 cents and the employee paying 9 cents.

Supplemental Life Insurance Coverage 

$10,000    $4.00/month
$25,000 $10.00/month
$50,000 $20.00/month

Dependent Coverage $5.00/month

Spouse $10,000
One or more Children $5,000
Birth to 6 months old $1,000

When hired, you either waived or enrolled in this State of Mississippi School Employee benefit. If you waived it upon being hired, you may still enroll. However, if you enroll after 31 days of being hired, you must answer a few medical questions to be approved for coverage. If you do not remember if you enrolled or waived this benefit when you were hired, view your digital check stub by logging into the Employee Portal (https://www.rcsd.ms, menu, employees, employee portal) to see if there is a Unum Life deduction. Email amy.tutor@rcsd.ms if you need portal login assistance. Because this State Employees life policy is not part of the benefits reviewed by you with a representative during open enrollment, you will need to contact Chelsea McCrory at che503@rcsd.ms or 601-825-5590 to enroll.

Read more about this benefit by clicking here:


American Fidelity offers both Whole Life and Term Life plans with only three mandatory questions asked for qualification. Talk to an American Fidelity representative for information. Snapshots of these policies are provided below. 

American Fidelity Term Life

This policy has the following add on/rider options: waiver of premium, accidental death and dismemberment, spouse term, children's term, and accelerated benefit rider for long term illness. 


American Fidelity Whole Life 

This policy has the following add on/rider options: waiver of premium, accidental death and dismemberment, children's term, accelerated benefit for long term illness, and accelerated benefit for critical illness. 



Colonial Life offers a Term Life policy to age 100, of up to $100,000 in coverage through LeadersLife. This is a new benefit being offered to RCSD employees. Guaranteed issue is only available during this initial enrollment. 

The premium on Colonial's policy stays the same to age 100. Talk to the Colonial representative or click here for more information: Leaders Life 

What is available to me?

What does this benefit cover?

What is my cost to participate in this plan?
Leaders Life
Term Life to age 100
Employee – Can apply for 10K-150K; Guaranteed Issuance (if enough enroll) up to $100,000. (only 2 health questions)
Spouse – Can apply for $10,000. – $150,000.; with contingent guaranteed issuance up to $50,000.
*Children can be insured as a rider or employee can take separate policy
*Additional coverage available for employee and spouse if age 8-60 when applying
Rates –See Colonial Life Re
All coverage is portable at the same rate of issuance
Coverage is to age 100!

American Fidelity Whole Life Insurance

First page of the PDF file: Whole_sb-30354

American Fidelity Term Life Insurance

First page of the PDF file: Term_sb-30353