Life and AD&D Insurance

Allegion helps you protect your loved ones by providing you with Basic Life and Basic Accidental Death & Dismemberment (AD&D) insurance coverage through Aflac.

You have the option to purchase additional Life and AD&D insurance coverage for yourself and your family when you are first eligible for benefits and each year during Annual Enrollment (though Evidence of Insurability may be required) or if you have a qualified family status change during the year.

Evidence of Insurability

When electing supplemental insurance for you and your family you may need to submit Evidence of Insurability (EOI) if you elect certain amounts of life insurance or if you did not enroll yourself or your dependents when you were first eligible. You will be prompted to provide EOI when you enroll if it is required.

Submitting this information is not a guarantee of coverage, and coverage will not become effective until the EOI is approved.

Beneficiary Designation

Your beneficiary is the person who receives your benefit if you die. Naming your beneficiary ensures the money goes to the right person. You can designate more than one beneficiary or name a trust, charity or estate to receive the benefit.

To designate or update your beneficiary, log in to Workday, click on the Benefits link, and then under Change, select Beneficiaries and follow the prompts.

Contact Aflac

Aflac

844-426-1325
Monday-Friday, 8am-8pm ET
mygrouplifedisability.aflac.com/personal

Basic Life Insurance

If you are an active, non-union employee, you automatically receive company-paid life insurance. Allegion provides you with coverage equal to 1.5x your annual salary, up to a maximum of $1,000,000 coverage. (Coverage amounts are rounded up to the next $10,000).

If you die, life insurance provides a benefit to the beneficiary(ies) you designate.

Basic Life Insurance

The Allegion Aflac non-union Basic Life Certificate is available HERE. This certificate describes the supplemental life plan. Employees enrolled in a supplemental policy should log into Aflac’s website or contact Aflac to obtain a copy of the personalized supplemental policy certificate.

Supplemental Life Insurance

If you are an active, non-union employee, you have the option to purchase additional coverage for yourself and/or eligible dependents.

Cost of Coverage

  • The cost for Supplemental Life employee coverage is based on your age and the level of coverage you choose.
  • The cost for Spouse Life coverage is based on the level of coverage you choose and the age of your spouse.
  • The cost for Child Life is based on the amount of coverage you elect.

You will see the coverage costs when you go through the enrollment process.

Employee Coverage
  • Up to $2,000,000 in coverage (in $10,000 multiples)
  • Up to $250,000 without Evidence of Insurability (EOI)
  • Amounts over $250,000 will require EOI only for the amount above $250,000*

* Note: Spouse coverage cannot be more than 100% of the employee’s supplemental life coverage and any insurance enrollment after new hire enrollment is subject to EOI.

Spouse Coverage
  • Up to $250,000 in coverage (in $10,000 multiples)
  • EOI is required if you elect more than $50,000 in spouse coverage*

* Note: Spouse coverage cannot be more than 100% of the employee’s supplemental life coverage and any insurance enrollment after new hire enrollment is subject to EOI.

Child Coverage (dependent children up to age 26)
  • $5,000 or $10,000 for your eligible child(ren)
  • Cost is the same regardless of the number of children covered

** The Allegion Aflac non-union Basic Life Certificate is available HERE. This certificate describes the supplemental life plan. Employees enrolled in a supplemental policy should log into Aflac’s website or contact Aflac to obtain a copy of the personalized supplemental policy certificate.

AD&D Insurance

Allegion provides basic AD&D insurance equal to 1x annual salary. This is subject to a maximum of $500,000 rounded to the next higher $1,000 if not already a multiple of $1,000. In no event will the basic principal sum be less than $50,000.

If you are an active, non-union employee, you also have the option to purchase Supplemental AD&D insurance.

If you or a covered family member dies due to an accident, your beneficiary(ies) will receive the full amount of your coverage. The plan also pays a benefit if you or a covered family member have certain types of injuries due to an accident.

Cost of Coverage

The cost of AD&D coverage is based on the amount of coverage you elect. You will see the coverage costs when you go through the enrollment process.

Employee Coverage (Supplemental)
  • Up to $2,000,000 in coverage (in $10,000 multiples)
Spouse Coverage
  • 50% of your election for Spouse Supplemental AD&D
Child Coverage (dependent children up to age 26)
  • 10% of your election for Child(ren) Supplemental AD&D