If you want more financial protection beyond the basic coverage that Avista provides, you can buy Optional Life Insurance for yourself. You pay the full cost of this coverage, which is provided through Unum. You must purchase coverage for yourself in order to purchase it for your dependents.
| For You | For Your Spouse | For Your Child(ren) | |
| Coverage amounts available | 1 to 5 times your basic annual earnings, up to $500,000 | $10,000 increments, up to $100,000 or 50% of your coverage (whichever is less) | $2,000; $5,000; or $10,000 |
| Guarantee issue amounts | An amount equal to or less than 2 times your basic annual earnings | An amount equal to or less than $50,000 | Not required |
Guarantee Issue Amounts
If you elect Optional Life Insurance when you are first eligible, you will need to complete a Statement of Health, also known as Evidence of Insurability (EOI), only for amounts above the guarantee issue amounts. Any future increases in coverage will require EOI.
If you (and/or your dependents) do not elect coverage when first eligible but elect at a later date — or if you increase your coverage amount — you will be required to provide EOI.