Life Insurance Plan

What you need to do by Friday, November 13, 2026:

  • You do not want to make a change to your supplemental life insurance coverage: Do nothing; your current election (if any) will carry forward to 2027.
  • You want to enroll in or increase your Supplemental Life Insurance Plan coverage amount: 
  • Email a benefits representative at [email protected] using your FIT email address (include your FIT ID number) to obtain supplemental life insurance costs. 
  • Complete the Supplemental Term Life Insurance Enrollment/Change Form to enroll or request an increase in coverage.  
  • After we receive your form, you will receive a health questionnaire, which you must submit directly to The Hartford.  If approved, The Hartford will notify you and FIT of the effective date of coverage, and required contributions will then be deducted from your paycheck.  Coverage will not become effective until The Hartford approves it and will not take effect before January 1, 2027.

Basic Life Insurance Coverage

You are covered under the Basic Group Term Life Insurance Plan and Accidental Death & Dismemberment (AD&D) Plan at a benefit amount for each plan equal to 1 times your base annual salary (see note below), rounded to the next higher multiple of $1,000, if not already a multiple of $1,000. The College pays for this coverage, provided through The Hartford, the insurer of FIT's Life Insurance Plan.  For complete information, please review FIT's Basic Life Insurance Plan booklet (.pdf).

Note:  Your basic life insurance benefit amount is subject to reduction at age 70 and age 75.  Please review the "Reduction in Coverage Due to Age" section in the Basic Life Insurance Plan booklet (.pdf) for more information. 

Supplemental Life Insurance Coverage

During the Annual Benefits Open Enrollment Period, if you are under age 70 (see note below), you may apply for supplemental life insurance coverage for yourself, subject to approval by The Hartford.  If approved, we will take post-tax contributions from your paycheck. Rates are based on your age and salary (to certain thresholds) and are subject to change.

You may purchase supplemental coverage in multiples of 1, 2, 3, or 4 times your annual base salary, rounded to the next higher multiple of $1,000. Maximum coverage is $500,000.  For complete information, please review FIT's Supplemental Life Insurance Plan booklet (.pdf).

Note: FIT's Group Supplemental Life Insurance Plan coverage terminates when you reach age 70 per the Supplemental Group Term Life Insurance Plan.