How to Find Life Insurance Through the Maryland State Retirement Agency

Where to start the search

The Maryland State Retirement Agency (MSRA) hosts a dedicated online portal for members to compare and select life insurance plans that complement their retirement benefits. Begin by logging into the MSRA member portal using your employee ID and password; the life‑insurance section appears under the Benefits menu.

Eligibility and plan types

Only current or former state employees who are enrolled in the MSRA pension or defined‑contribution plans qualify for the agency's group life policies. The agency typically offers two tiers: a basic term coverage equal to one‑times salary and an optional supplemental policy that can be increased up to three‑times salary, with optional accidental death riders.

Using the search tools

Within the portal, the "Life Insurance Search" tool lets you filter by coverage amount, premium range, and rider options. Results display a comparison table that includes insurer name, monthly premium, coverage limit, and enrollment deadlines. Clicking a row opens a detailed policy summary and a printable application.

Application process

After selecting a plan, complete the online application, which asks for personal details, beneficiary information, and consent for a medical questionnaire (often waived for group coverage). Submit the form; the agency's benefits team reviews it within 5‑7 business days and notifies you of approval or any required follow‑up.

Key dates and renewal

Open enrollment for life insurance runs annually from October 1 to November 30. Outside this window, changes are allowed only after qualifying life events such as marriage, birth, or a change in employment status. Policies automatically renew each year unless you submit a cancellation request at least 30 days before the renewal date.

Comparative overview