Basic Life Insurance and AD&D

You are automatically covered for $15,000 of basic life insurance provided by The Hartford at no cost to you.   

  • Non-smokers will receive an additional $1,000 benefit. 
  • $15,000 of Accidental Death and Dismemberment (AD&D) insurance 
  • $15,000 Seat Belt Benefit may also be payable if you die in an automobile accident.   
  • The benefit will be paid to your designated beneficiary (ies).


In the event of your death, your basic life and supplemental individual life insurance benefit will be paid to your designated beneficiary. If you choose more than one beneficiary, you can define the amount paid or a percent paid to each beneficiary.

Primary vs Contingent Beneficiaries

An individual cannot be both a primary and a secondary beneficiary. A primary beneficiary receives 100% of the designated amount. A contingent beneficiary receives a benefit only if all of the primary beneficiaries are deceased.  You may name more than one primary/contingent beneficiary and split the designated amount appropriately. If you split the designated amount, the total must equal 100%.

Naming an Estate or Organization

If you are naming an Estate, or Organization as your primary beneficiary you will be required to provide an Employer Identification Number (EIN), also known as a federal tax identification number used to identify a business entity. The EIN should be used in place of the Social Security number (SSN). You can obtain the EIN from the Trustee of the Estate or the designated Organization.

Changing Your Beneficiaries

It is important to keep your beneficiary information current. You may change a beneficiary and/or the designated amount for your current beneficiary by logging into Louie Self-service and selecting Benefits Summary. Click on the link (example NAU Basic Life) to edit and/or make changes. Save your changes before exiting.