Life Insurance
NAU offers employees three types of life insurance coverage: Basic, Supplemental and Dependent.
Basic Life
You are provided $15,000 of Basic Life Insurance and $15,000 of AD&D insurance at no cost to you through Securian.
Supplemental & Dependent Life
You can purchase coverage through both NAU’s plan through the Hartford and the State of AZ’s plan through Securian.
NAU – The Hartford Accordion Open
Supplemental
- Purchase 1, 2, or 3 times your current base salary.
- Maximum benefit: the lesser of 3× salary or $300,000.
- Coverage reduces by 40% at age 70+.
- If salary decreases during sabbatical, coverage decreases
- During Open Enrollment or after a QLE, you may add 1× salary.
Dependent
- Choose $5,000 or $10,000 for your spouse and eligible dependents.
- You are the beneficiary.
- Must have NAU supplemental coverage to enroll.
State of AZ – Hartford Accordion Closed
Supplemental
- Purchase in $5,000 increments
- Maximum benefit: lesser of 3× salary or $500,000
- During Open Enrollment or after a QLE, you may add $20,000
Dependent
- Choose $2,000, $4,000, $6,000, $10,000, $12,000, $15,000 or $50,000.
- Covers spouse & all eligible dependents.
- You are the beneficiary.
- To purchase $50,000, you must enroll in $35,000+ of State of AZ supplemental coverage.
Beneficiaries
In the event of your death, your basic life and supplemental individual life insurance benefit will be paid to your designated beneficiary. If you choose more than one beneficiary, you can define the amount paid or a percent paid to each beneficiary.
- A primary beneficiary receives 100% of the designated amount/percent
- A contingent beneficiary receives a benefit only if all of the primary beneficiaries are deceased.
Portability and Conversion
If you leave NAU, you may have the option to port or convert your life insurance coverage.
- NAU Hartford: Policy# 805644 Group Phone: 800-882-8395
- State of AZ
- 2025 Securian: Policy #34681- Phone: 1-866-365 -2374 select Option 4 or log onto: lifebenefits.com/continue and enter Policy Number: 34681 and Access Key: Arizona
- 2026 Hartford: Phone: 1-877-791-1381 .Info: bit.ly/azhartford Claims: account.thehartford.com
Still have questions??
Contact the Benefits Team at nauhrbenefits@nau.edu or call (928) 523-2223.