Group Life Insurance

State of New Hampshire
REQUEST FOR PROPOSAL
for
Group Life Insurance
RFP # 492-27
RESPONSE DUE BY:
May 29, 2026 at 2:00 PM Eastern Time (ET)
Department of Administrative Services
Division of Risk and Benefits

TABLE OF CONTENTS
Table of Contents ................................................................................................................................. i
Section I: INTRODUCTION .............................................................................................................. 1
A. Background .......................................................................................................................... 1
B. Objective .............................................................................................................................. 2
C. Contract Term, Implementation and Payment ..................................................................... 2
Section II: BIDDING INSTRUCTIONS AND CONDITIONS ......................................................... 3
A. Proposal Conditions for The State of New Hampshire, Department of Administrative
Services, Division of Risk and Benefits ............................................................................... 3
B. RFP TIMETABLE ............................................................................................................... 9
C. PROPOSAL CLOSING VIA MICROSOFT TEAMS : ..................................................... 10
D. EVALUATION PROCESS ................................................................................................ 10
E. BIDDER CONTACT ......................................................................................................... 15
Section III: REQUIRED SERVICES AND CONTRACT TERMS ................................................. 16
A. Plan Design and Eligibility ................................................................................................ 16
B. Implementation................................................................................................................... 17
C. Service Requirements ......................................................................................................... 18
Section IV: TECHNICAL ................................................................................................................. 20
A. Your Firm, Background and Experience ............................................................................ 20
B. Administration and Account Management ......................................................................... 21
C. Implementation, Enrollment and Communications ............................................................ 22
D. Claims Administration ....................................................................................................... 23
E. Reporting ............................................................................................................................ 25
Section V: PERFORMANCE GUARANTEES ............................................................................... 26
Section VI: CLIENT REFERENCES ............................................................................................... 27
Section VII: FINANCIAL ................................................................................................................ 28
A. Premium Rate Table ........................................................................................................... 28
APPENDICES - GROUP INFORMATION .................................................................................. 29
APPENDIX A: REQUESTED PLAN DESIGNS ............................................................................ 30
APPENDIX B: REQUESTED PLAN DESIGNS FORM ................................................................ 32
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APPENDIX C: SONH LIFE RFP DATA......................................................................................... 33
APPENDIX D: STATE OF NH TRANSMITTAL LETTER ........................................................... 34
APPENDIX E: P-37 FORM CONTRACT ....................................................................................... 35
APPENDIX F: REQUIRED PROTECTION OF CONFIDENTIAL INFORMATION AND DATA
SECURITY ....................................................................................................................................... 39
APPENDIX G: PARTICIPATING BIDDER AGREEMENT (PBA) .............................................. 42
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SECTION I: INTRODUCTION
This Request for Proposal ("RFP") is issued by the Department of Administrative Services (DAS), acting
through the Division of Risk and Benefits, for the procurement of group life insurance coverage as
described herein. We request that all bidders follow the instructions outlined in this RFP and complete all
questions and tables.
A. BACKGROUND
The State is seeking a proposal to provide Group Term Life Insurance for the State's eligible full-time
employees as outlined below.
Coverage Benefit Cost Share
Basic Life $50,000 100% State Paid
Basic AD&D Choice of $20,000 or $25,000 100% Employee Paid
(Guaranteed Issue Amounts)
Supplemental Basic Life (No $5,000 (Guaranteed Issue Amount) 100% Employee Paid
AD&D) - Employee and/or
Supplemental Life with AD&D - 1x, 2x, 3x. or 4x Salary up to $1,000,000 100% Employee Paid
Employee 1x Salary (Guaranteed Issue Amount)
Supplemental Life (No AD&D) - $10,000 and/or 100% Employee Paid
Spouse
Supplemental Life with AD&D - Choice of $25,000, $50,000, $75,000 or 100% Employee Paid
Spouse $100,000
$25,000 (Guaranteed Issue Amount)
Child(ren) Life (No AD&D) $3,000 per child 100% Employee Paid
Additional details regarding State employee benefits are contained in the attached Plan Documentation.
There are approximately 10,050 employees enrolled in the Basic Life coverage which is paid for by the
State based on the census information.
The current census enrollment and volume by coverage is as follows:
Coverage Benefit Amount Enrollment Volume*
Employer Paid
Basic Life - Employee $50,000 10,050 $502,500,000
Employee Paid
Basic AD&D - Employee $20,000 or $25,000 4,481 $108,770,000
Supplemental Basic Life (No AD&D) - Employee $5,000 and/or 3,135 $15,675,000
Supplemental Life with AD&D - Employee 1x - 4x Salary up to 2,513 $317,618,000
$1,000,000
Supplemental Life (No AD&D) - Spouse Option 1: $10,000 and/or 606 $5,890,000
Supplemental Life with AD&D - Spouse Option 2: $25,000, $50,000, 1,979 $79,700,000
$75,000, or $100,000
Child(ren) Life (No AD&D) $3,000 2,064 $6,192,000
*Volume includes age reduction benefits at 70 for: Supplemental Life with AD&D Employee 1x-4x
Salary, Spousal Life No AD&D $10,000, Spousal Life with AD&D $25,000, $50,000, $75,000 or
$100,000.
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State of New Hampshire
SECTION I
Voya Financial (ReliaStar Life Insurance Company) has provided life insurance coverage to active full-
time employees since 2021.
B. OBJECTIVE
The State is seeking bids from organizations to provide a non-participating/prospectively rated fully
insured Life/AD&D insurance program. It is the intent of the State to continue to provide the current
benefit offerings to full-time eligible employees. Due to the existence of collective bargaining
agreements, the State requires bidders to duplicate the benefit plans as closely as possible.
C. CONTRACT TERM, IMPLEMENTATION AND PAYMENT
The State seeks to contract with a qualified Vendor that will offer a five-year contract commencing
January 1, 2027 through December 31, 2031, upon approval from the Governor and Executive Council
(G&C) with the option to extend for up to two additional years as mutually agreed and approved by the
Governor and Executive Council. The insurance services outlined in this RFP shall commence on January
1, 2027. Implementation activities shall commence within seven (7) days of G&C approval or September
1, 2026, whichever is later. Payments for contractual services shall commence January 1, 2027, and shall
not be made during the implementation period.
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SECTION II: BIDDING INSTRUCTIONS AND CONDITIONS
A. PROPOSAL CONDITIONS FOR THE STATE OF NEW HAMPSHIRE, DEPARTMENT OF
ADMINISTRATIVE SERVICES, DIVISION OF RISK AND BENEFITS
1. RFP SCOPE
The Department of Administrative Services, Division of Risk and Benefits, is soliciting proposals for its
fully insured life insurance program, summarized in SECTION I.A., and further described in these
procurement documents.
2. MANDATORY INSTRUCTIONS FOR BIDDERS
It is required that you complete all sections of the RFP and provide your proposal by the stated proposal
submission deadline. Do not alter any parts of this RFP, including the questions and the question
numbering.
Failure to follow these instructions may be grounds for rejection of your RFP response.
A. Request for Proposal (RFP) Point of Contact and Inquiries
a. Any inquiries or requests pertaining to this RFP, whether verbal or written, including
questions related to the form contract P-37 and Business Associate Agreement, must be
submitted in writing to following contact:
Ryan Fuller Christopher.R.Fuller@das.nh.gov
From release of this RFP until an award is made and announced regarding the selection of a
bidder, all communication with personnel employed by or under contract with the State
regarding this RFP is prohibited unless first approved by the point of contact above. State
employees have been directed not to hold conferences and/or discussions concerning this
RFP with any bidder during the selection process, unless otherwise authorized by the point
of contact. Bidders may be disqualified for violating this restriction on communications.
b. All questions must be submitted in writing prior to the deadline for Bidder Inquiries and/or
Requests for Clarification (May 13, 2026 at 3:00 ET). The questions will be consolidated
and/or paraphrased and responded to via a written addendum, or addenda that will be
posted on the State's website on or before May 20, 2026. Note that this date is subject to
change at the State's discretion.
c. In response to requested exceptions to the P-37, the State will review requested exceptions
and accept, reject or note that it is open to discussion of the proposed exception with the
selected Bidder at its sole discretion. Questions about or requested exceptions to the
RFP, P-37, and/or any relevant attachments not raised during the inquiry period are
waived. Oral statements, representations, clarifications, or modifications concerning the
RFP shall not be binding upon the State.
d. The State may, at its discretion, amend this RFP on its own initiative or in response to
issues raised by inquiries as it deems appropriate.
e. RFP inquiries must be submitted by an individual authorized to commit the organization to
provide the services necessary to meet the requirements of this RFP. The Bidder must
include complete contact information including the Bidder's name, title, telephone number,
and e-mail address.
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State of New Hampshire
SECTION II
B. Bidder Requests for Plan Data
Appendix G is a Participating Bidder Agreement (PBA) which must be completed and sent to Ryan
Fuller at Christopher.R.Fuller@das.nh.gov to obtain data and attachments referred to in Appendix C.
Upon receipt of a Bidder's signed PBA (Appendix G), the State will provide the data securely.
Access to this data via secure workspace shall only be provided to prospective Bidders who manifest
a reasonable likelihood of meeting the minimum qualifications of this RFP.
3. ADDENDA
In the event it becomes necessary to add to or revise any part of this RFP prior to the scheduled proposal
submittal deadline, the Division of Risk and Benefits shall post any Addenda on the State's bidder
website. In the event of an addendum/addenda to this RFP, the State, at its sole discretion, may extend the
Proposal submission deadline, as it deems appropriate. Before your submission and periodically prior to
the RFP closing, check the website for any addenda or other materials that may have been issued affecting
the RFP. The web site address is https://das.nh.gov/purchasing/vendorresources.aspx.
4. BIDDER CERTIFICATIONS
All Bidders must be duly registered as a Bidder authorized to conduct business in the State of New
Hampshire. Bidders shall comply with the certifications below at the time of submission and through the
term of any contract which results from said proposal. Failure to comply shall be grounds for
disqualification of proposal and/or the termination of any resultant contract.
* STATE OF NEW HAMPSHIRE VENDOR APPLICATION: Prior to bid award, Bidders must have a
completed Bidder Application Package on file with the NH Bureau of Purchase and Property. See the
following website for information on obtaining and filing the required forms (no fee):
https://DAS.NH.Gov/Purchasing.
* NEW HAMPSHIRE SECRETARY OF STATE REGISTRATION: A bid award, in the form of a
contract(s), will ONLY be awarded to a Vendor who is registered to do business AND in good
standing with the State of New Hampshire. Please visit the following website to find out more about
the requirements for registration with the NH Secretary of State: https://www.sos.nh.gov/corporations-
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5. PUBLIC DISCLOSURE
a. Disclosure of Information Submitted in Response to RFP
Information submitted in response to this RFP (including all materials submitted in connection with it,
such as attachments, exhibits, addenda, etc.), any resulting contract, and information provided during the
contractual relationship may be subject to public disclosure under the State's Right-to-Know law, RSA
91-A.
Confidential, commercial or financial information may be exempt from public disclosure under RSA 91-
A:5, IV. If a bidder believes any information submitted in response to this RFP should be kept
confidential, the bidder must specifically identify that information where it appears in the submission in a
manner that draws attention to the designation and must mark/stamp each page of the materials that the
bidder claims must be exempt from disclosure as "CONFIDENTIAL." Bidders must also provide a letter
to the person listed as the point of contact for this RFP, identifying the specific page number and section
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State of New Hampshire
SECTION II
of the information you consider to be confidential, commercial, or financial and providing your rationale
for each designation. Bidders must also provide a separate copy of the full and complete document, fully
redacting those portions and shall note on the applicable page or pages that the redacted portion or
portions are "confidential." Marking or designating an entire proposal, attachment or section as
confidential shall neither be accepted nor honored by the State.
Submissions which do not conform to these instructions by failing to include redactions and related
reasons for redaction, or a letter indicating the proposal does not include any confidential information, or
by including redactions which are contrary to these instructions or operative law may be rejected by the
State as not conforming to the requirements of the proposal.
Pricing, which includes but is not limited to fully insured rates and performance guarantees, in your
proposal or any subsequently awarded contract shall be subject to public disclosure regardless of whether
it is marked as confidential.
Notwithstanding a Bidder's designations, the State is obligated by the Right-to-Know law to conduct an
independent analysis of the confidentiality of the information submitted in a proposal. If a request is made
to the State by any person or entity to view or receive copies of any portion of your proposal, or if the
State otherwise wishes to make your proposal public, the State shall first assess what information it is
obligated to release. If you have not provided redactions in your proposal, the State will release the
proposal in its entirety with only the redactions the State deems necessary (if any). If you have provided
redactions in your proposal, the State will notify you that a request has been made or that the State wishes
to make your proposal public. The State will indicate what, if any, information it has assessed is
confidential and will not be released and specify the planned release date of the remaining portions of the
proposal. To halt the release of information by the State, a Bidder must obtain and provide to the State,
prior to the date specified in the notice, a court order valid and enforceable in the State of New
Hampshire, at its sole expense, enjoining the release of the requested information.
By submitting a proposal, you acknowledge and agree that:
* The State may disclose any and all portions of the proposal or related materials which are not marked
as confidential and/or which have not been specifically explained in the letter to the person identified as
the point of contact for this RFP;
* The State is not obligated to comply with your designations regarding confidentiality and must conduct
an independent analysis to assess the confidentiality of the information submitted in your proposal; and
* The State may, unless otherwise prohibited by court order, release the information on the date specified
in the notice described above without any liability to you.
6. ELECTRONIC POSTING OF RESULTING CONTRACT
Pursuant to RSA 21-G:37, all responses to this RFP shall be considered confidential until the award of a
contract. At the time of receipt of proposals, the State will post the number of responses received with no
further information. No later than five (5) business days prior to submission of a contract to the
Department of Administrative Services, the State will post the name and rank or score of each Bidder.
Pursuant to RSA 91-A and RSA 9-F:1, the Secretary of State will post to the public any document
submitted to G&C for approval, including any resulting contract, on its website
(https://sos.nh.gov/administration/miscellaneous/governor-executive-council/). By submitting a proposal,
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State of New Hampshire
SECTION II
Bidder acknowledges and agrees that, in accordance with the above-mentioned statutes and policies, (and
regardless of whether any specific request is made to view any document relating to this RFP), any
contract resulting from this RFP that is submitted to G&C for approval will be made accessible to the
public online.
7. TERMS OF SUBMISSION
The State assumes no responsibility for understandings or representations made by its officers or
employees prior to and in the event of the execution of a contract, unless such understandings or
representations are specifically incorporated into this RFP. Verbal discussions pertaining to modifications
or clarifications of this RFP shall not be considered part of this RFP unless confirmed in writing. Any
information provided by the Bidder verbally shall not be considered part of that Bidder's response. By
submitting a proposal, a Bidder agrees that in no event shall the State be either responsible for or held
liable for any costs incurred by a Bidder in the preparation of or in connection with the proposal, or for
work performed prior to the effective date of a resulting contract. Proposals must be valid until the
effective date of any resulting contract.
8. SUBMISSION FORMAT
Instructions, formats, and approaches for the development of RFP information contained within the RFP
are designed to ensure that the submission of data essential to the understanding of the Vendor's response
is received in a consistent and comparable format.
Your RFP response must be clearly sectioned and tabbed as outlined within this RFP document. (e.g.
Section II. Step 1, Step 2, etc.) There is no intent to limit the content of the responses in other than the
Vendor's favor, only to assist the evaluation committee in reviewing each response.
9. PROPOSAL SUBMISSION DEADLINE
All RFP submissions must be received at the Bureau of Purchase and Property electronically via email no
later than 2 p.m. ET on May 29, 2026. Submissions received after the date and time specified will be
marked as late and will not be considered.
Proposals shall remain valid from the proposal submission deadline for one hundred and eighty (180)
days, or until contract approval by Governor and Executive Council, whichever is later. A complete RFP
submission will include responses to all sections of the RFP, including a complete response to the
financial section. Incomplete submissions will not be considered.
A Bidder's disclosure or distribution of proposals other than to the Department of Administrative
Services, Bureau of Purchase and Property shall be grounds for disqualification. No more than one (1)
proposal per respondent shall be submitted.
10. RFP DELIVERY
Bidders shall submit their proposal via email to:
* NH.Purchasing@DAS.NH.Gov labeled with the following information:
State of New Hampshire RFP #492-27
Due Date: May 29, 2026 by 2:00 PM (ET)
Group Life Request for Proposals
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State of New Hampshire
SECTION II
Bidders are encouraged to confirm delivery of their submissions by calling (603) 271-2201 or by emailing
NH.Purchasing@DAS.NH.Gov.
RFP responses must include:
* One (1) complete electronic version of your RFP with responses to all questions in Sections II to VII,
Appendices of this RFP, and any addenda and attachments. If you PDF your response, it must be a
searchable document. The price proposal must be submitted electronically in the excel format provided
with the RFP.
* One (1) redacted electronic copy of your entire RFP response, including a letter identifying confidential
information as applicable.
* Your RFP response must include Appendix D State of NH Transmittal Letter, signed by a person
authorized to bind the company to all commitments made in the RFP response. Failure to submit the
Transmittal Letter with your response will result in rejection of your response.
The State shall not be held liable for any costs incurred by the Bidder in preparing or submitting an RFP
response.
11. ADDITIONAL INFORMATION
The State reserves the right to:
* Make a written request for additional information from a Bidder to assist in understanding or
clarifying a proposal response.
* Waive minor or immaterial deviations from the RFP requirements, if determined to be in the best
interest of the State.
* Omit any planned evaluation step if, in the State's view, the step is not needed.
* Reject any and all proposals, or any part thereof. Note that participating in this RFP process in no
way obligates the State to pursue a contract with any of the Bidders participating in the RFP.
* Make independent investigation in evaluating a proposal.
* Consider available information regarding the Bidder, whether gained from the Bidder's proposal,
question and answer conferences, references, or any other source during the evaluation process.
This may include, but is not limited to, information from any other state or federal regulatory
entity.
* Open contract discussions with the second highest scoring Vendor and so on if the State is unable
to reach an agreement on Contract terms with the higher scoring Vendor(s).
12. RESTRICTION OF CONTACT WITH STATE EMPLOYEES
From the release date of this RFP, all contact with the State regarding this RFP, except the point of
contact specifically mentioned in Section II.A.2 of this RFP, is prohibited. This prohibited contact
includes personnel employed by or under contract with the State. Improper contact is grounds for
rejection of your response.
13. CANCELLATION
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