Life Insurance

Basic Life

The City provides all full-time employees with Basic Life Insurance at the value of your base annual salary rounded up to the next multiple of $1,000 up to a maximum of $300,000 at no cost. With submission of appropriate documentation, your spouse is eligible for a $2,000 life insurance benefit. Dependent children up to age 26 may also qualify for a $1,000 life insurance benefit.

If your life situation changes at any time — such as marriage, divorce or death — you should update your beneficiary as soon as possible.

Dearborn National (Life Insurance) has merged with BlueCross BlueShield of Texas and is now known as BlueCross BlueShield of Texas on customer service lines, forms and communication materials.

Voluntary Life

You have the option of purchasing Voluntary Life Insurance up to four times your base salary. As a new hire, you must enroll within 31 days of their hire date and can elect up to three times your base salary without completing an Evidence of Insurability (EOI) form. You can add coverage for a spouse at half of your salary, up to a maximum of $50,000 and coverage for children up to $10,000. To apply for Voluntary Life Insurance for your spouse or children you must be enrolled in Voluntary Life Insurance as the primary insured.

Premiums are based on your age, salary and coverage options. Applicable rates are available on Employee Self Service (ESS) at

Who is Eligible for Voluntary Life Coverage?

All elected officials, full-time and part-time active status employees and retirees of the City of Houston who have completed the initial waiting period are eligible for voluntary life insurance.

  • Full-time employee is an employee working forty (40) hours per week.
  • Part-time employee is an that works least thirty (30) hours per week.
  • Seasonal and temporary employees are not eligible.

Employees currently enrolled in voluntary life coverage can enroll their eligible dependents subject to any evidence of insurability requirements at any time.

How do I Enroll in Voluntary Life?

If you are initially applying for, or increasing your Voluntary Life Insurance benefit follow these steps:

  1. Make your Voluntary Life Insurance selections:
    Log on ESS at to make your selections.
    You will receive a packet from Dearborn Life Insurance by mail that will include an Evidence of Insurability (EOI) form. Or you can print out the EOI form
  2. Submit your forms by one of the options below:
    Mailing Address:
    Dearborn Life Insurance Attention: Medical Underwriting
    P.O. Box 7072
    Downers Grove, IL 60515
    Fax: 855-691-7157
    Dearborn Life Insurance Attention: Medical Underwriting

Deductions from your paycheck will begin upon approval by Dearborn Life Insurance. If you do not receive notification within 30 days of submitting your forms, contact them directly at 877-442-4207.

Duplicate Insurance

Duplicate Voluntary Life Insurance Coverage is not permitted as follows:

  • As both a City retiree and a City employee, for the same benefit.
  • As both a City retiree or City employee and as a dependent of a City employee, for the same benefit.
  • As a dependent of more than one City retiree, or City employee, for the same benefit.

Any individual found to have duplicate benefits coverage for the same benefit will be dropped, from the duplicate coverage.

If you find you or your dependent are currently duplicating coverage under the policy please reach out to the Human Resources Benefits Division at (832) 393-6000 to make appropriate changes.

Department Information

611 Walker, 4th Floor
Houston, TX 77002
Benefits: 832-393-6000
Main: 832-393-6100
Safety Hotline: 832-393-7233