Supplemental Life Insurance 

extra protection for you and your family

Supplemental Life Insurance Plans

Questions? Call the HR Support Center 1-417-873-4357 (option 2) or email.

You can purchase Supplemental Term Life Insurance plans to provide extra coverage for you, your spouse and your children. This insurance can help your family prepare for the unexpected, ensuring your family will be able to cover basic living expenses if something happens to you.


Supplemental Life Insurance is a voluntary program, with Outfitters paying 100 percent of the premiums for the benefits selected. With Voya Supplemental Term Life insurance, your premium is calculated based on your current age or the age of your spouse. Your premium rate will gradually increase as you age. 

You may elect additional coverage for:

Yourself – in an amount up to $750,000. You can choose $15,000; $25,000; $50,000 or an increment of $10,000 from $60,000 to $750,000. Guaranteed issue at initial eligibility is the lesser of three times your annual salary or $500,000. For amounts greater than the guaranteed issue amount, you will be required to provide evidence of insurability (EOI).* 

Your spouse – up to $100,000. You may choose $15,000; $25,000; $50,000 or an increment of $10,000 from $60,000 to $100,000, but no more than 100 percent of your coverage. Guaranteed issue at initial eligibility is $50,000 (EOI requirements apply).*

Your child(ren) – up to $10,000 for each child. You may choose $2,500; $5,000 or $10,000 in coverage for children from birth to age 26.

*EOI: Obtain form and instructions from your HR department or the Workday Benefits worklet. Your benefit will default to the guaranteed issue amount until your amount requiring EOI is approved.

More information about Supplemental Life Insurance Options