Dependent Life Insurance
About the program
Dependent life is term life insurance on the lives of your spouse, your same-sex domestic partner (SSDP), and/or your children. Children who are eligible for coverage include those up to 19 years of age. Children ages 19 to 26 may be covered if they are full-time students. The program offers seven coverage options designed to meet a variety of family needs. You may also opt to have no coverage under this program.
One-time enrollment. Guaranteed issue.
A one-time enrollment in the dependent life insurance program is offered upon hire. Enrollment in this program will not be offered annually.
Prudential Insurance guarantees to cover any eligible dependents you enroll at the time of your hire into the University; you do not need to prove insurability. This means that you are not required to complete any health statements or prove the good health of your dependents. You may enroll disabled dependents; however, as with any dependent you enroll in this program, if the dependent is hospitalized at the time of enrollment, coverage on the dependent will not begin until the dependent recovers from the illness or injury. Prudential Insurance determines when recovery has occurred and coverage begins.
Changing your coverage
If you do not enroll when you begin employment at Purdue, and then later wish to begin coverage, you will have to prove insurability on each dependent you wish to cover. At that time, Prudential Insurance may choose not to cover your dependent due to the dependent’s health status.
If you take dependent life insurance coverage and later wish to drop it, you may do so at anytime.
If you have a qualifying change in family status, you may increase your dependent life insurance by one level within 31 days of your family change. If you wish to increase your coverage by more than one level, you will have to prove insurability.
Dependent life insurance options
Note: If you choose an option that covers your children, the premium you pay covers all of your eligible dependent children. For example, under Option 4, each of your eligible children would be covered for $10,000.
| Option Number |
Coverage |
Annual Premium |
| |
Child(ren) |
+ |
Spouse or SSDP* |
|
| 1 |
No coverage |
+ |
No coverage |
$0 |
| 2 |
$5,000 |
+ |
$5,000 |
$21 |
| 3 |
$5,000 |
+ |
$10,000 |
$35 |
| 4 |
$10,000 |
+ |
$20,000 |
$70 |
| 5 |
$5,000 |
+ |
$0 |
$7 |
| 6 |
$10,000 |
+ |
$0 |
$15 |
| 7 |
$0 |
+ |
$10,000 |
$28 |
| 8 |
$0 |
+ |
$20,000 |
$55 |
*SSDP = same-sex domestic partner
|
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