Life Insurance

Life, Accidental Death, and Dismemberment Insurance

Group Life Insurance

The Virginia Retirement System (VRS) includes coverage designed to provide financial protection for you and your beneficiaries in the event you become disabled or die. Basic Life and Accidental Death and Dismemberment (AD&D) insurance are fully paid by PWCS through your participation in VRS as a full-time employee.


VRS members and retirees can update beneficiaries online through their secure myVRS account

Type Coverage Amount
Basic Life Insurance 2x base annual salary rounded up to next $1,000
Accidental Death Insurance 4x base annual salary rounded up to the next $1,000
Dismemberment Insurance* 1x to 2x base annual salary rounded up to the next $1,000, depending on loss

*Employees have 90 days from the date of loss to file for dismemberment benefits.

Optional Life Insurance

Securian Financial Logo

Securian Financial provides additional life insurance coverage for full-time employees. If eligible, you may purchase optional life insurance for yourself at a value up to eight times your salary, with a maximum of $800,000. If you purchase this optional coverage for yourself, you may also purchase coverage for your spouse and dependent children.

If you apply for optional life insurance within the first 30 days of hire, you are guaranteed coverage with no medical history required (up to a maximum of $400,000). If you apply after your first 30 days of employment, you must provide evidence of insurability with your medical history.


To enroll, make changes, or cancel Optional Life Insurance, log in to your secure MyVRS account


Contact Securian's Richmond branch office at 1-800-441-2258 or [email protected].

Return to main Benefits webpage