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.

If you are eligible, please enroll online in KHRIS ESS, or you may complete the MetLife Enrollment Change Form.  

Rates

2025​ MetLife Rates​​

 Resources 

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