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Voluntary life benefits

Optional Life Insurance

Optional Life Insurance provided through Lincoln Financial Group (LFG).

LFG Optional life coverage is not currently available for employees in the American Territories.

Rates for the Group Term Life Insurance are age banded (increase every 5 years) for policy increments of $10,000.00. Guaranteed coverage is available up to $300,000.00 for newly hired employees or when employees make changes during an IRS Section 125 qualifying life event.  Changes made during the annual Open Enrollment period require the completion of an Evidence of Insurability form.

  • If you want more coverage, you may elect up to $500,000
  • Coverage amounts exceeding $300,000 required simplified medical underwriting (Evidence of Insurability)
  • Secure link into the Lincoln Portal from the ICUBA Benefits Portal

Enrollment in term life is made during your new hire enrollment period through the ICUBA Enrollment Portal, this is an OPTIONAL benefit requiring an election and premium payment.  The Group Term Life Insurance is an age reduced policy.

Elected coverage decreases to 67% of the benefit at age 65 and 50% of the benefit at age 70.


You can contact Lincoln Financial Group by calling 800-291-0112 or visiting their website




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