UNSPSC 64122002: Fraternal life insurance policy

A type of life insurance policy provided by fraternal orders or societies to their members.

UNSPSC 64122002 Fraternal life insurance policy is a Commodity code that does not match the work state and local governments are actually procuring under the recent opportunities tagged with this code. The eighteen recent opportunities span group term life insurance, accidental death and dismemberment (AD&D), voluntary life coverage, disability insurance, critical illness, accident, hospital indemnity, and comprehensive employee benefits administration—none of which constitute fraternal life insurance as traditionally defined (insurance issued by fraternal benefit societies to members of those societies). State and local buyers are seeking fully insured and self-funded group life and disability plans, claims administration, renewal services, broker support, and ancillary benefits for active employees, retirees, and dependents across municipal, county, school district, transit authority, and public health system jurisdictions. The coding mismatch suggests the code may be incorrectly applied to these opportunities by issuing procurement offices, or the code's scope definition does not align with contemporary state and local life insurance procurement practice.

Recent opportunities cluster in Texas (Central Health in Austin, Manor ISD, City of Waxahachie, City of Lewisville, Texas A&M University System) and Florida (Okaloosa County, City of Orlando, City of Holly Hill, Utilities Commission in New Smyrna Beach), with additional activity in Illinois (State of Illinois Chief Procurement Office), Mississippi (Mississippi Transportation Commission), Connecticut (Amity Regional School District), Georgia (Clarke County School District, Athens-Clarke County, City Colleges of Chicago), Colorado (Boulder County), Missouri (St. Louis Public Schools), and other jurisdictions. The State of Illinois recently renewed a $561 million life insurance contract with MetLife; the Texas A&M University System RFP covers 42,285 employees with five years of historical claims data totaling $108.2 million in premiums; Manor ISD medical procurement includes optional life/AD&D for approximately 1,244 full-time employees; and Amity Regional School District sought student accident insurance for 2,205 students. Notice types include RFP, RFQ, and renewal notices, with response deadlines spanning February through July 2026. The code shows substantial recent activity, but the issuing bodies' coding practice or the code's definitions appear misaligned with the actual scope of group term life and comprehensive ancillary benefits administration being solicited.