{"id":4600,"date":"2026-06-23T22:18:21","date_gmt":"2026-06-23T22:18:21","guid":{"rendered":"https:\/\/ffbenefits.ffga.com\/garland-2\/?page_id=4600"},"modified":"2026-09-29T19:13:40","modified_gmt":"2026-09-29T19:13:40","slug":"group-term-life-insurance-2026-2027","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/garlandisd\/2026-2027-plan-year\/group-term-life-insurance-2026-2027\/","title":{"rendered":"Group Term Life Insurance 2026-2027"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mu5p1870-0dd688425fa311ff3d54b763c8cad99e\">\n.avia-section.av-mu5p1870-0dd688425fa311ff3d54b763c8cad99e{\nbackground-color:#9f2943;\nbackground-image:unset;\n}\n.avia-section.av-mu5p1870-0dd688425fa311ff3d54b763c8cad99e .av-extra-border-element .av-extra-border-inner{\nbackground-color:#9f2943;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-mu5p1870-0dd688425fa311ff3d54b763c8cad99e main_color avia-section-default avia-no-border-styling  avia-builder-el-0  el_before_av_three_fifth  avia-builder-el-first  avia-bg-style-scroll av-arrow-down-section container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-4600'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mrbh9c9e-e1c8c277d8e25ece3e73ab98c4bf4645\">\n#top .av-special-heading.av-mrbh9c9e-e1c8c277d8e25ece3e73ab98c4bf4645{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-mrbh9c9e-e1c8c277d8e25ece3e73ab98c4bf4645 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-mrbh9c9e-e1c8c277d8e25ece3e73ab98c4bf4645 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-mrbh9c9e-e1c8c277d8e25ece3e73ab98c4bf4645 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-mrbh9c9e-e1c8c277d8e25ece3e73ab98c4bf4645 av-special-heading-h1 custom-color-heading  avia-builder-el-1  avia-builder-el-no-sibling '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Group Term Life Insurance<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<\/div><\/div><\/main><!-- close content main element --><\/div><div class='av-extra-border-element border-extra-arrow-down'><div class='av-extra-border-outer'><div class='av-extra-border-inner'><\/div><\/div><\/div><\/div><div id='after_section_1'  class='main_color av_default_container_wrap container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-4600'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-js5gzp-5b909507363427fdb6070475d2627dd2\">\n.flex_column.av-js5gzp-5b909507363427fdb6070475d2627dd2{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-js5gzp-5b909507363427fdb6070475d2627dd2 av_three_fifth  avia-builder-el-2  el_after_av_section  el_before_av_two_fifth  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><section  class='av_textblock_section av-hqsftx-1b3d2b5c9518fefaa4ff737502d01833 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>Group Term Life Insurance<\/h2>\n<p>New and newly eligible employees can enroll in coverage for self and spouse\/children without health evidence up to the maximum coverage level during their new\/newly eligible enrollment period. All future enrollments require a statement of health. Voluntary life insurance is term life coverage you can purchase in addition to the basic life plan provided by your employer. It will cover you for a specific period of time while you are employed. The rates are age banded and increase every 5 years. It&#8217;s a group plan, premiums are typically lower, so it&#8217;s more affordable to gain the peace of mind that life insurance provides.<\/p>\n<ul>\n<li>Employee Group Term Life coverage:\n<ul>\n<li>Can elect coverage in $10,000 increments not to exceed an amount equal to <strong>4X base pay or maximum $250,000 (whichever is less).<\/strong><\/li>\n<li>Can elect coverage in $10,000 increments over 4X base pay (maximum $1,000,000) by completing Statement of Health paperwork.<\/li>\n<\/ul>\n<\/li>\n<li>Spouse Group Term Life coverage:\n<ul>\n<li>Must elect Employee Group Term Life to elect spouse coverage.<\/li>\n<li>Employee can choose coverage for spouse in $10,000 increments up to $50,000.<\/li>\n<\/ul>\n<\/li>\n<li>Child Group Term Life coverage:\n<ul>\n<li>Must elect Employee Group Term Life to elect coverage for children.<\/li>\n<li>Employee can choose coverage for children in flat $5,000 or $10,000 coverage amounts. One policy covers all eligible dependent children.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><\/section><br \/>\n<div  class='hr av-flc5qt-4bbcda80a79b87b755765bb4b93019de hr-default  avia-builder-el-4  el_after_av_textblock  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-eh699x-12528aa5cd1646e61b90794b7b7b2365\">\n.flex_column.av-eh699x-12528aa5cd1646e61b90794b7b7b2365{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-eh699x-12528aa5cd1646e61b90794b7b7b2365 av_two_fifth  avia-builder-el-5  el_after_av_three_fifth  el_before_av_section  avia-builder-el-last  flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mulriq68-d36f290b32fd26ecd3ab48a4dc836fca\">\n.av_font_icon.av-mulriq68-d36f290b32fd26ecd3ab48a4dc836fca{\ncolor:#9f2943;\nborder-color:#9f2943;\n}\n.avia-svg-icon.av-mulriq68-d36f290b32fd26ecd3ab48a4dc836fca svg:first-child{\nstroke:#9f2943;\nfill:#9f2943;\n}\n.av_font_icon.av-mulriq68-d36f290b32fd26ecd3ab48a4dc836fca .av-icon-char{\nfont-size:25px;\nwidth:25px;\n}\n<\/style>\n<span  class='av_font_icon av-mulriq68-d36f290b32fd26ecd3ab48a4dc836fca avia_animate_when_visible av-icon-style-border avia-icon-pos-center avia-svg-icon avia-font-svg_entypo-fontello avia-icon-animate'><span class='av-icon-char' data-av_svg_icon='phone' data-av_iconset='svg_entypo-fontello' ><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"32\" viewBox=\"0 0 26 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-1'>Phone<\/title>\n<desc id='av-svg-desc-1'>Phone<\/desc>\n<path d=\"M14.752 17.92q5.184-5.184 3.776-6.592l-0.256-0.256q-0.96-0.96-1.312-1.536t-0.128-1.728 1.568-2.816q0.64-0.768 1.184-1.248t1.12-0.512 0.96-0.032 0.928 0.416 0.768 0.576 0.832 0.8 0.672 0.704q1.536 1.536-0.192 6.208t-6.528 9.408q-4.8 4.8-9.44 6.56t-6.176 0.224q-0.064-0.064-0.736-0.704t-0.8-0.8-0.576-0.768-0.416-0.992 0.064-0.96 0.48-1.12 1.216-1.184q1.344-1.088 2.24-1.504t1.728-0.064 1.12 0.576 1.248 1.184q1.408 1.408 6.656-3.84z\"><\/path>\n<\/svg><\/span><\/span><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mulrhtqz-99e6ffe0bacf44821d737b90be9b3ccf\">\n#top .hr.hr-invisible.av-mulrhtqz-99e6ffe0bacf44821d737b90be9b3ccf{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-mulrhtqz-99e6ffe0bacf44821d737b90be9b3ccf hr-invisible  avia-builder-el-7  el_after_av_font_icon  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-ak2qmd-06260470045a4fb747c0680a0fe87643 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h3 style=\"text-align: center;\">UNUM<\/h3>\n<p style=\"text-align: center;\">Policy # 982755<\/p>\n<p style=\"text-align: center;\">(800) 854-1446<\/p>\n<p style=\"text-align: center;\"><a href=\"http:\/\/www.unum.com\/lifebalance\" target=\"_blank\" rel=\"noopener\">www.unum.com\/lifebalance<\/a><\/p>\n<\/div><\/section><\/p><\/div><\/p>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mulrphec-07fa0eaba5c100fc2c41c5f8972b6bc2\">\n.avia-section.av-mulrphec-07fa0eaba5c100fc2c41c5f8972b6bc2{\nbackground-color:#edf0f2;\nbackground-image:unset;\n}\n<\/style>\n<div id='av_section_2'  class='avia-section av-mulrphec-07fa0eaba5c100fc2c41c5f8972b6bc2 main_color avia-section-default avia-no-border-styling  avia-builder-el-9  el_after_av_two_fifth  avia-builder-el-last  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-4600'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-lchl4-5869d55243c1d9b01e93fac3df6d401d av_one_full  avia-builder-el-10  avia-builder-el-no-sibling  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mulrgw8a-2cab188764f16592060653b33e2d9f4b\">\n.av_font_icon.av-mulrgw8a-2cab188764f16592060653b33e2d9f4b{\ncolor:#9f2943;\nborder-color:#9f2943;\n}\n.avia-svg-icon.av-mulrgw8a-2cab188764f16592060653b33e2d9f4b svg:first-child{\nstroke:#9f2943;\nfill:#9f2943;\n}\n.av_font_icon.av-mulrgw8a-2cab188764f16592060653b33e2d9f4b .av-icon-char{\nfont-size:25px;\nwidth:25px;\n}\n<\/style>\n<span  class='av_font_icon av-mulrgw8a-2cab188764f16592060653b33e2d9f4b avia_animate_when_visible av-icon-style-border avia-icon-pos-center avia-svg-icon avia-font-svg_entypo-fontello avia-icon-animate'><span class='av-icon-char' data-av_svg_icon='info' data-av_iconset='svg_entypo-fontello' ><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-2'>Info<\/title>\n<desc id='av-svg-desc-2'>Info<\/desc>\n<path d=\"M11.264 0q1.536 0 2.368 0.864t0.832 2.208q0 1.6-1.248 2.816t-3.040 1.216q-1.536 0-2.368-0.832t-0.768-2.304q0-1.472 1.12-2.72t3.104-1.248zM4.672 32q-3.2 0-1.728-5.696l1.92-8.128q0.448-1.792 0-1.792-0.384 0-1.728 0.576t-2.304 1.216l-0.832-1.408q2.88-2.496 6.048-4.032t4.832-1.536q2.496 0 1.152 5.184l-2.24 8.512q-0.512 2.048 0.192 2.048 1.408 0 3.776-1.92l0.96 1.28q-2.688 2.752-5.6 4.224t-4.448 1.472z\"><\/path>\n<\/svg><\/span><\/span><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4hhxe0-2125eb8281e4b6b0b8c494dd4f063b04\">\n#top .hr.hr-invisible.av-4hhxe0-2125eb8281e4b6b0b8c494dd4f063b04{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-4hhxe0-2125eb8281e4b6b0b8c494dd4f063b04 hr-invisible  avia-builder-el-12  el_after_av_font_icon  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-2t3xi0-ebd9bc42c0382e95a73033cb4f2e4ca5 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h3 style=\"text-align: center;\">Group Term Life Plan Information<\/h3>\n<p style=\"text-align: center;\"><a href=\"\/wp-content\/uploads\/sites\/2819\/2025\/09\/Term-Life-and-ADD-flyer-Employees-working-20-hours.pdf\" target=\"_blank\" rel=\"noopener\">Rates &amp; Summary<\/a><\/p>\n<p style=\"text-align: center;\"><a href=\"\/wp-content\/uploads\/sites\/2819\/2026\/01\/Garland-Unum-Basic-Life-Certificate.pdf\" target=\"_blank\" rel=\"noopener\">Voluntary Term Life Certificate\u00a0<\/a><\/p>\n<\/div><\/section><\/p><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_2'  class='main_color av_default_container_wrap container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-4600'><div class='entry-content-wrapper clearfix'>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":4589,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4600","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/4600","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/comments?post=4600"}],"version-history":[{"count":0,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/4600\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/pages\/4589"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-json\/wp\/v2\/media?parent=4600"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}