Life Insurance

Gabor offers a variety of life insurance policies to USF employees. The plans may be used to supplement other insurance policies, and insurance may be purchased for an employee’s spouse and dependents. The premium cost varies based on the policy, amount of coverage, and age of the insured. To enroll in one of these plans please contact a representative from Gabor (see FIND IT).

Group Term Life Insurance is a low cost life insurance policy with coverage that does not decrease with age as long as employment continues and premiums are paid. This policy is offered Guaranteed Issue with no medical exam required during the first 60 days of employment or during periodic open enrollments up to four times annual salary with a maximum limit of $200,000. Employee spouses are also eligible for guaranteed coverage up to $50,000 if payroll deducted. Group Term Life Insurance is portable, so if you leave your job or retire, you can take your policy with you.

* Underwritten by Standard Insurance Company.

For more informaiton, please visit

Permanent Life Insurance (Universal Life Extra)is a flexible premium life insurance policy that is guaranteed to stay in force as long as the No-Lapse Endorsement is in effect and the minimum monthly premiums are paid on time and no loans or withdrawals are taken. No matter how low interest rates fall or how high the cost of insurance climbs, the policy will not lapse and premiums will never increase (provided that the Face Amount at issue has not changed).

Features of this plan include:

    Easy Payroll Deduction with no paper bills to pay

    Offered on a streamlined underwriting basis (no medical exam required) for eligible employees up to four times salary - to a maximum of $250,000 - and for eligible spouses up to $25,000

    Full portability of coverage; if you leave your job or retire the plan goes with you with no rate increase

    The coverage allows for the adjustment of the death benefit as needs (or budgets) change

    Terminal Illness Accelerated Benefit Option, Safety Benefit and Transportation Benefit included

*Underwritten by Symetra Life Insurance Company


Full-time employees in a benefit-eligible position or part-time employees with 0.75 FTE in a benefit-eligible position.

Level Term Life Insurance offered through Gabor is the least expensive form of life insurance available through the University. (Underwritten by Symetra Life Insurance Company)

Features of this plan include:

    Easy Payroll Deduction

    Competitive Pricing - Level Term provides gender based ratings

    Predictable Premiums - Premiums will not increase during your initial term

    Customizable Coverage - Choose a term that fits your needs: 10, 15, 20, 30 years

    Advanced Access for Illness - If you are diagnosed with a terminal illness

    Portable Coverage - If you leave your job or retire, your policy goes with you with no increase in rates

For more information on the products that The Gabor Agency has to offer to USF employees, please visit


The Gabor Agency

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