Life and AD&D Coverage

Basic Employee Life and Accidental Death & Dismemberment (AD&D) Insurance

Genesys provides eligible employees basic life insurance in the amount of two times your annual base salary up to $1,500,000. To complement your basic life coverage, Genesys also provides accidental death and dismemberment (AD&D) insurance. AD&D insurance protects you and your loved ones by providing a cash benefit in the event of your death by accident, or if are involved in an accident resulting in dismemberment. AD&D coverage is provided in the amount of two times annual base salary up to $1,500,000.

Life and AD&D coverage for employees residing in Hawaii is provided through the HMSA medical PPO Plan. Visit the Hawaii Employee Benefits page of this site to learn more.

Who's Your Beneficiary?

You may choose anyone to be the beneficiary of your Life and AD&D policy in the event of your death or serious injury. Review your beneficiary designation periodically to ensure it reflects your current wishes. You may change your beneficiary as often as needed at:

Basic Life and AD&D: BenefitsNow

Optional Life and AD&D:

Optional Group Universal Life (GUL) Insurance

The Group Universal Life plan provides the typical term life coverage with additional investment benefits. You have the option to contribute additional funds into a cash accumulation fund (CAF) which earns interest. You can apply for supplemental universal life coverage at any time.

Optional Group Universal Life
Rates per $1,000
Age Band
Smoker Non-Smoker
< 30 $0.060 $0.043
30 – 34 $0.068 $0.043
35 – 39 $0.085 $0.068
40 – 44 $0.136 $0.094
45 – 49 $0.238 $0.162
50 – 54 $0.408 $0.272
55 – 59 $0.587 $0.408
60 – 64 $0.918 $0.689
65 – 69 $1.496 $1.139
70 – 74 $2.457 $2.117
75 – 79 $3.613 $2.958
80 – 84 $5.823 $4.616
85 – 89 $8.925 $7.293
90 – 94 $12.750 $10.523
95 – 99 $17.250 $14.238
Child $0.20

* Your GUL rate will increase if you move into a new age band in 2023.

Employee Life Coverage

Employees may purchase up to five times your annual salary (rounded to the next $1,000) up to a $2 million maximum.

Spouse / Domestic Partner Life Coverage

Eligible spouses or domestic partners may receive coverage up to 50% of the amount of supplemental employee insurance elected. Coverage is provided in $10,000 increments and may not exceed $100,000.

Dependent Child Life Coverage

Employees may elect either $5,000 or $10,000 of coverage for children up to age 19 (24 if fulltime student). Rates are based on the amount of insurance purchased.

Automatic Optional Life Coverage Increases

When you elect optional life coverage, your coverage amount automatically increases each April to account for merit increases. If you would like to opt out of this feature, you must contact Cigna at 1-800-828-3485.

To apply for supplemental coverage, visit You will be asked to complete a brief health questionnaire. An evidence of insurability form will be required for non new-hires applying for coverage.

Optional AD&D Insurance

You may elect additional AD&D insurance for yourself and your family. You can elect coverage in $25,000 increments up to a maximum of $500,000.

Employee Only Employee + Family
$0.013 per $1,000 $0.013 per $1,000

For additional details on Optional AD&D and Cash Accumulation Fund (CAF), employees should visit the Cigna website.