Life Insurance



Life Brochure

St Louis County Standard & Supplemental Life Policy Certificate

Arrowhead Regional Corrections & Community Health Board Standard & Supplemental  Life Policy Certificate 

St. Louis County Hybrid & Supplemental Life Policy Certificate

St. Louis County Executive & Supplemental Life Policy Certificate

Arrowhead Regional Corrections Executive & Supplemental Life Policy Certificate


Basic Life

All full-time employees who have worked full time for six full calendar months or part-time employees who have worked at least 1,000 hours are eligible for Basic Life term insurance.  

Your coverage amount is one times your annual salary rounded to the next highest $1,000 or $5,000. Minimum coverage is $15,000 and the maximum is either $50,000 or $200,000. Refer to your union contract or to the management compensation plan to determine your coverage amount and to determine the certificate below that is applicable to you.  

Supplemental Life

Options for additional employee and/or dependent coverages are available through:

  1. National Insurance Services  Up to $250,000 in supplemental coverage without medical questions ($500,000 with medical questions) if enrolling when first eligible.  You can increase your coverage each year by $10,000 ($50,000 during 2017 open enrollment only) without medical questions.  Spouse and Child coverage also available. 
  2. Minnesota Benefit Association (MBA). You choose who to cover and how much coverage. A health history/medical visit may be required. You can enroll or disenroll at any time.
  3. Prudential Insurance Company of America to the National Conference on Public Employee Retirement Systems (NCPERS). Offered by the Public Employee Retirement Association, this plan provides coverage for you, your spouse and your children under 21. Everyone pays the same rate and the predetermined coverage amounts decrease as you age. Open enrollment each year occurs in October and November.


Basic Life Cost = $0.072 per $1,000 in coverage per month for 2023-2027

St. Louis County pays the entire basic life premium for full-time employees and a prorated portion for part-time employees. Employees pay the entire cost of supplemental rates below.

Child Rates










All your unmarried children up to age 19 and those under age 25 who are full-time students are covered for this one low rate.


Employee and Spouse Supplemental Rates

Age of Insured

Monthly Rate per $1,000

Additional monthly cost to add $50,000









































No Printer?  Electronic Signature Instructions

St. Louis County/ARC Life Insurance:
National Insurance Services/Madison National Life Life enrollment and change Form (email to the email address on the form)
National Insurances Services/Madison National Life Evidence of Insurability Form  (for late entrants* only, mail to the address on the form) 

PERA member Life Insurance:
NCPERS Enrollment Form 

*refer to the Life Brochure under the Coverage tab or contact Beth Menor at 218.725.5056 or to inquire if you are a late entrant

Beneficiary Guidance

Life insurance proceeds cannot be paid directly to a minor. Payment will require legal documentation of the court-appointed financial guardian of the minor, which can delay the entire process. We advise that until your child is an adult, you name the adult who would be caring for your child/children as the beneficiary in the event of your death(s) or you establish a trust and list the life insurance as an asset in the trust.   


Beneficiary Guide


Beth Menor
Sr. HR Advisor - Benefits

Sandra Kohn
Information Specialist II

Angie Rish
Information Specialist III

All contacts