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Missouri Department of Transportation

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Life Insurance


Medical Plan  

Life Insurance Rates

Life Insurance Policy

All life insurance is "term life" insurance.  There is no cash or loan value.  Benefits are paid upon the death of a covered participant.

Basic Life Insurance Plan

Coverage Amount:  Equal to one times your annual salary ($15,000 minimum; $250,000 maximum)
Premium:  Paid by the state

Optional Life Insurance Plan

Member:  Six times salary (up to $800,000)
Premium Rate:  Based on the age of the employee or retiree
Premium:  Paid by the employee or retiree

Spouse: Starting with $15,000, up to $100,000 with approved Evidence of Insurability (cannot exceed coverage of the employee or retiree)
Premium Rate:  Based on the age of the employee or retiree

Premium:  Paid by the employee or retiree

Child(ren):  $15,000 per child
Premium Rate:  $1.50 per month

Premium:  Paid by the employee, not available to a retiree


Why life insurance matters?

What is group term life insurance?

How to elect a beneficiary?

What are the premiums?

Additional Services Available

Central United Life Insurance

Travel Assistance Services

Legacy Planning Services

Legal Services

Life Insurance Forms

Basic Life Enrollment (A560)

Optional Life Insurance (A560E)

Retiree Optional Life Insurance (A560R)

Death Notification


Life Insurance  
Medical and Life Insurance Board  
Voluntary Life Insurance  
Missouri Cafeteria Plan  
State of Missouri Deferred Compensation  

Disease Mgmt Program

Employee Assistance Program

MO$T-529 College Savings Plan

General Information

Retirement Information  
Employee Benefits Home  
Statewide Employee Benefit Enrollment System  


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Missouri Department of Transportation
Central Office
105 W. Capitol Avenue
Jefferson City, MO 65102
1-888-ASK-MODOT (275-6636)
1-866-831-6277 (Motor Carrier Services)
Driver's License Offices
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Missouri State Government
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