UNSPSC 84131601: Life insurance

UNSPSC 84131601 Life insurance is a Commodity code that encompasses employee benefit insurance products and administrative services state and local governments procure to cover life, accidental death and dismemberment, disability, and related ancillary coverage for their workforces. Recent solicitations show state and local agencies buying bundled benefit packages that combine life and disability as core components alongside dental, vision, medical stop loss, flexible spending accounts, and COBRA administration — often as part of comprehensive employee benefits RFPs rather than standalone life policies. The issuing bodies span municipal governments (cities of DeBary, Holly Hill, Pflugerville, Waxahachie, Madison, Lewisville, Orlando, Okaloosa County), county governments (Brevard County, Catoosa County, Greenville County, Travis County, Volusia County), regional transit and public health authorities (Central Health), state agencies (State of Illinois, Mississippi Transportation Commission), higher education systems (Texas A&M University System), school districts (Amity Regional School District), and housing authorities. Many jurisdictions use insurance brokers of record or benefits consultants to solicit and negotiate coverage on their behalf; state and local buyers increasingly require comprehensive service models including claims advocacy, enrollment support, wellness programs, and integrated technology platforms alongside insurance placement.

Recent activity concentrates in Florida, Texas, Georgia, and South Carolina, with scattered activity in Illinois, Mississippi, Connecticut, and Wisconsin. Representative procurements include the City of Holly Hill's RFP 26-HR-01 (due April 8, 2026) seeking broker services for medical, dental, vision, firefighter cancer, and life coverage for 109 active employees and 53 retirees; Brevard County's RFP 1-26-12 (due July 28, 2026) consolidating group life, disability, and supplemental health benefits effective January 1, 2027; the City of Madison's RFP 1500102026BG (due August 31, 2026) for basic life, voluntary life, short-term disability, and long-term disability covering 3,103 active employees, 230 early retirees, and 1,232 post-65 retirees; Greenville County's RFP #26057 (due January 23, 2026) for a broker of record managing self-insured and supplemental benefits for approximately 2,700 employees; and the State of Illinois Chief Procurement Office's renewal notice for MetLife life insurance (due June 29, 2026) totaling $561 million in coverage value across basic and optional life lines. Contract terms typically run one to five years with renewal options; pricing is submitted net of commissions with rates guaranteed for a minimum of three years in most cases. Evaluation commonly weights cost (30–50 points), technical and service capabilities (20–35 points), claims administration and technology (15–20 points), and past performance (10 points).