RFP 25-02 Life Insurance Benefit Plans

The Superior Court of California, County of San Bernardino is seeking comprehensive life insurance benefit plans through Request for Proposal (RFP) 25-02, with proposals due by July 25, 2025, at 1:15 PM Pacific Time. The procurement covers Basic Life, Supplemental Life, and Voluntary Accidental Death & Dismemberment (AD&D) insurance for the county court system's 1,139 employees across 11 locations. The Court requires proposals with net-of-commission rates, preservation of current benefit levels, and a "true open enrollment" provision, with coverage effective January 1, 2026. The evaluation process will utilize a 100-point scale, allocating 45 points for plan quality, 5 points for rates, 40 points for cost, and 10 points for terms and conditions acceptance. Bidders must submit detailed implementation timelines, establish bi-weekly carrier feeds through Phoenix SAP, provide a dedicated account team, conduct enrollment meetings, and submit financial ratings. The anticipated contract timeline includes a best and final offer (BAFO) opportunity on July 28, 2025, potential carrier reference calls in August, and final judicial approval in September for a potential five-year contract term.

The RFP includes a Disabled Veteran Business Enterprise (DVBE) incentive that can reduce bid evaluation by 3% (up to $100,000) for bidders meeting participation goals. Current insurance is provided by Securian (Minnesota Life), and the Court requires bidders to demonstrate compliance with various state and federal regulations, including the Darfur Contracting Act, Unruh Civil Rights Act, and California Fair Employment and Housing Act. The existing plan covers multiple employee classes with varying basic life insurance amounts ranging from $35,000 to $75,000, depending on employee classification, and allows supplemental life insurance purchases up to $700,000. While specific contract value is not explicitly stated, historical premium data from Exhibit C3 indicates an annual premium of approximately $322,658 for current coverage. The Court has extensive historical financial experience reports from 2020-2024, showing varied loss ratios across different coverage types, which will likely be considered during vendor selection. Bidders must provide comprehensive documentation, including good standing forms, certifications, and detailed benefit matrices to be considered for the contract.