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Life Insurance Calculator Worksheet

Ensure you have enough to protect your loved ones.

Life Insurance Plan Summary

If something happened to you, would your family and loved ones be able to cope without your income? That’s where life insurance comes in. It provides financial protection for your family and can help offer some financial security for you.​


The State of South Dakota provides benefit eligible employees with $25,000 in basic term life insurance and $25,000 in Accidental Death and Dismemberment (AD&D) coverage through Voya Financial.

Employees may apply for additional supplemental term life and AD&D coverage in amounts from 1x to 5x the amount of their annual salary, up to a maximum of $400,000. (Outside of the 30 day new hire enrollment period, you will have to answer health questions (evidence of insurability) and may be denied the additional coverage.)

 If you have Employee Supplemental Life, you may also purchase $10,000 of Spouse/Dependent Life Coverage and $10,000 of Spouse/Dependent AD&D Coverage. If you apply for Spouse/Dependent coverage outside of your 30-day new hire period, your dependents will also need to go through an approval process. The rate for dependent coverage is the same regardless of the number of family members covered.