Life Insurance

Always be there financially for your loved ones.

Broward Health provides Basic Life and Accidental Death and Dismemberment (AD&D) Insurance for employees and offers supplemental voluntary options for employees and their dependents.


Basic Term Life and AD&D Insurance

Broward Health provides eligible employees with Basic Term Life and Accidental Death and Dismemberment coverage at no cost and enrollment is automatic.


  • BASIC TERM LIFE: The benefit is equal to your base annual earnings rounded up to the nearest $1,000 to a maximum of $500,000.
  • ACCIDENTAL DEATH AND DISMEMBERMENT: If you are seriously injured or lose your life in an accident, you/your beneficiary will be eligible for a benefit equal to your Basic Term Life coverage.


Supplemental Term Life Insurance
You have the option to purchase Supplemental Term Life Insurance coverage in addition to the company-paid benefit. You pay the total cost of this benefit through convenient payroll deduction.


  • EMPLOYEE: Up to $500,000 with no medical screening. Up to $1,000,000 with medical screening. In $10,000 increments.
  • SPOUSE: Up to $50,000 with no medical screening. Up to $250,000 with medical screening.
  • CHILD(REN): Up to $10,000 maximum coverage (no medical screening required).


NOTE: You cannot purchase Child coverage without enrolling in Employee or Spouse coverage.


Premium rates for the employee and spouse benefit are based on the employee’s age and increase at five year intervals. To view the premium table, go to the Benefits Guide and Documents tab under Important Resources.


For all life insurance plans (Basic Term Life & AD&D and Supplemental Term Life), there is a benefit reduction due to age which is applicable to employee and spouse coverage. At age 70, the original benefit is reduced to 50%. For example, if an insured person is enrolled for $50,000 of coverage and dies at age 70 or older, the benefit will pay $25,000.