Life Insurance


Why is life insurance important?

Buying life insurance protects your spouse and children from the potentially devastating financial losses that could result if something happened to you. It provides financial security, helps to pay off debts, helps to pay living expenses, and helps to pay any medical or final expenses.

Benefits of having Life Insurance:

  • Income replacement for years of lost salary.
  • Paying off your home mortgage.
  • Paying off other debts, such as car loans, credit cards, and student loans.
  • Providing funds for your kids' college education.
  • Helping with other obligations, such as care for aging parents.

Here are the Life Insurance Options the City Offers Employees:

Basic Life Insurance & Accidental Death & Dismemberment (AD&D)

Basic Life Insurance & Accidental Death & Dismemberment (AD&D)

The City of Fort Worth provides you with basic life and accidental death and dismemberment insurance in an amount equal to your annual salary.




Supplemental Employee, Spousal and Dependent Life & AD&D

Supplemental Employee, Spousal and Dependent Life & AD&D

You can purchase Supplemental Group Term-Life Insurance for yourself and your family. Group Term-Life Insurance provides you with lower rates and the ability to take your coverage with you, if you leave the City or retire. To purchase coverage for your dependents, you must purchase supplemental coverage for yourself.

Policies are available in amounts up to eight times your annual salary, maximum of $600,000. You may enroll your spouse in a flat $150,000 policy, and each of your dependent children is eligible for  a $20,000 policy.

As an added benefit, employees who purchase Supplemental Group Term-Life Insurance also receive additional travel assistance for emergencies, and funeral concierge services to help in planning services.