Ky. gov

An Official Website of the Commonwealth of Kentucky

Governor Govenor
Skip Content
​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​ Home > Other Insurance Options > Life Insurance

Life insurance papers on clipboard

Optional Life Insurance​

MetLife is the life insurance carrier for the Commonwealth. As a Commonwealth of Kentucky public employee, your participating employer provides $20,000 of basic life insurance coverage to eligible employees at no cost to you! In addition to the free $20,000 of life and accidental death and dismemberment (AD&D) coverage, you have the option to purchase additional life insurance for you and your eligible dependents. Check with your employer to see if they participate in the Commonwealth’s life insurance program. ​For more information, click​ here​.

If you are eligible, please enroll online in KHRIS ESS, or you may complete the MetLife Enrollm​ent Change Form

Click here for the DEI Form Upload for new Death Claims.​

Rates

2026 MetLife Rates

 Resources 

Life Beneficiary Change KHRIS ESS Instruction Sheet​
​Life Insurance and ADD Certificate of Coverage
MetLife Privacy Notice
MetLife Portability v. Conversion Brochure
Conversion and Portability Letter​
Estate Planning Tip Sheet
SAMPLE - LWOP Template​​
Life Insurance FAQs
​​

© Commonwealth of Kentucky. All rights reserved.

Kentucky.gov