Life Insurance

Life Insurance for Active Members

Active LAPRA members are automatically enrolled in these life insurance plans upon recruitment.

There is no charge for the basic life insurance plans.

LAPRA Basic Life Insurance

LAPRA Basic Life Insurance Plan provides active members and recruits who are enrolled to become LAPRA members with $12,000 of coverage at no cost to you.

It is important to keep your life insurance beneficiaries updated to ensure your death benefit is paid to the right people. To update your beneficiaries, go to LAPRAlive.org. 

UnitedHealthcare Basic Life and AD&D for Active Members

Optional Life and AD&D

If you need more than Basic Life and Basic AD&D protection, you may enroll in an Optional Life and AD&D Insurance plan. Your cost per pay period is based on your age and selected coverage, as shown in the tables below. If you enroll on the date of your new recruit class, your coverage will become effective on that day.

It is to your advantage to enroll in Optional Life and AD&D within 31 days of first being eligible; you will be required to complete an Evidence of Insurability (EOI) form if you choose to enroll at a later date. An EOI is also required if you elect to increase your coverage at a later date. Your coverage will not be effective unless approved, in writing, by UnitedHealthcare.

Recruits and Active Members Under Age 70

Active Members Age 70 and Older

*Dependents include your spouse or registered domestic partner and children to age 26.  Coverage for children less than six months old is $700.

It is important to keep your life insurance beneficiaries updated to ensure your death benefit is paid to the right people.