Life and Accidental Death and Dismemberment Insurance

The State of Tennessee is seeking a qualified insurer to provide a comprehensive group life and AD&D insurance program covering all eligible state‑government and higher‑education employees, plus voluntary employee‑paid options for employees, spouses, and dependents. The contract includes a 10‑month implementation phase (Mar 2027‑Dec 2027) to transition existing members, set up data integration with the State’s ERP (Edison), and launch the plan on 1 Jan 2028, followed by a five‑year benefit period (2028‑2032) and a 1½‑year claim run‑out. Key deliverables encompass underwriting, claims processing, a call‑center, member communications (microsite, mobile app, printed materials), enrollment file handling, and strict security and privacy compliance (FIPS‑140‑2/3, SOC‑2, NIST‑800‑53). Performance guarantees and SLA scorecards impose liquidated damages for missed milestones or privacy breaches. • Provide fully administered basic (employer‑paid) term life and AD&D coverage for ~70 k employees. • Offer voluntary employee‑paid term life and AD&D products with guaranteed‑issue underwriting. • Implement data interfaces with the State’s Edison ERP, weekly eligibility feeds, and monthly premium processing. • Operate a toll‑free call center (7 am‑4:30 pm CT, M‑F) meeting ASA ≤ 30 s and abandonment ≤ 5 %. • Deliver all required reporting, security‑risk assessments, and compliance documentation throughout the contract term.