University of Nevada, Las Vegas (UNLV) Employee Life Insurance
Understand your group coverage gaps and explore supplemental life insurance options from A-rated (A.M. Best) carriers through agents in our Nevada network.
5,000+ in Nevada
Estimated Nevada Employees
$350,000
Illustrative Coverage Amount
$30–$75/mo
Illustrative Premium Range
Group Benefits vs. Coverage Gaps
Understanding what University of Nevada, Las Vegas (UNLV) typically provides — and where that coverage falls short.
What University of Nevada, Las Vegas (UNLV) Likely Provides
- Nevada System of Higher Education (NSHE) group life insurance
- Nevada PERS enrollment
- Comprehensive health benefits through NSHE
Common Coverage Gaps
- Faculty with research grants and consulting income not captured in PERS or group formula
- PERS retirement does not substitute for life insurance
- Group coverage terminates with UNLV employment
- Adjunct and temporary faculty typically ineligible for group benefits
Why University of Nevada, Las Vegas (UNLV) Employees Consider Supplemental Life Insurance
Covers consulting and research income beyond NSHE base salary formula
Portable through higher education career transitions
Adjunct faculty can access coverage regardless of group eligibility
PERS retirement ≠ life insurance income replacement
Permanent options for faculty building long-term financial security
Supplemental Coverage for University of Nevada, Las Vegas (UNLV) Employees
UNLV is Nevada's flagship urban research university, employing faculty, researchers, administrators, and staff across its Las Vegas campus. Faculty members with consulting income, grants, and research-based compensation often carry NSHE group life insurance that reflects only base salary — leaving significant income unprotected. Adjunct instructors may receive no group coverage at all. Individually owned supplemental life insurance through an A-rated (A.M. Best) carrier fills these gaps with portable, appropriately sized protection. Agents in our network serve UNLV employees and understand the university employment landscape.
Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance carrier. No personalized coverage recommendation is made — work with a licensed agent to determine what is right for your situation.
Your Estimated Coverage
Example coverage amounts and illustrative premiums for University of Nevada, Las Vegas (UNLV) employees.
$350,000
Illustrative Coverage Amount
$30–$75/mo
Illustrative Monthly Premium
Illustrative monthly premium for a healthy non-smoker faculty member age 42. Actual premiums vary by carrier and individual underwriting.
Actual premiums vary by carrier and individual underwriting. Quotes are estimates subject to underwriting review.
University of Nevada, Las Vegas (UNLV) Employee Life Insurance Questions
Yes. Consulting income documented on tax returns is includable in insurable income. A faculty member earning $90,000 in salary and $40,000 in consulting has $130,000 in insurable income for coverage sizing.
Yes. Adjunct and part-time instructors can purchase individual life insurance based on documented income, regardless of their employment classification at the university.
PERS provides limited survivor benefits for active members who die before retirement. These are typically not sufficient to replace full working income for a family. A separate life insurance policy provides dedicated income replacement protection.
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Explore Supplemental Coverage as a University of Nevada, Las Vegas (UNLV) Employee
Agents in our network of Nevada-licensed professionals can compare options from multiple A-rated (A.M. Best) carriers to help you understand what supplemental coverage may make sense for your situation.
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