How the program works

Important information about the Group Universal Life Plan

The GUL Program allows you to purchase life insurance coverage for yourself and for your eligible dependents. The GUL Program pays benefits to:

  • You, if your covered spouse/domestic partner or eligible child dies.
  • Your beneficiary(ies), if you die. 

The following GUL coverage options are available:  

For you
One to eight times your base pay1 — up to a maximum benefit of $7.5 million.
  • You may be required to provide evidence of insurability acceptable to MetLife before coverage can begin.
  • Your GUL coverage will not be reduced if your base pay decreases for any reason while bp employs you.
For your spouse/ domestic partner2
Increments of $25,000 — up to a maximum benefit of $300,000.
  • Regardless of whether you elect coverage for yourself, you may enroll for spouse/domestic partner coverage3.
  • You may be required to provide evidence of insurability acceptable to MetLife before coverage can begin.
  • Spouse/domestic partner GUL coverage is provided as a separate certificate and is owned by you. In the event of the termination of your marriage/domestic partnership or your death, your spouse/domestic partner may port GUL coverage.
  • Effective April 1, 2014, the calculation for spouse/domestic partner GUL coverage changed from one to four times your base pay to increments of $25,000. The coverage amount for your spouse/domestic partner was automatically increased to the next higher increment of $25,000 if the coverage was not already in a $25,000 increment.
For your
eligible child(ren)
$10,000 for each eligible child
  • If you elect GUL coverage for yourself and/or your spouse/domestic partner, you may also elect child coverage.
  • If both you and your spouse/domestic partner are bp employees, only one of you may cover your eligible children as dependents.
  • Once you elect this coverage, any future newborn child is automatically covered at 14 days of age. Any other newly acquired child (for example, through adoption or marriage) is covered as of the date he/she becomes your eligible child, unless evidence of insurability acceptable to MetLife is required before coverage can begin.

 1 If your base pay is not a whole multiple of $1,000, it will be rounded up to the next $1,000. If your base pay increases during the year, your GUL coverage amount automatically adjusts to reflect the increase. You must be actively at work for an increase to take effect. If you are not actively at work, the increase takes effect the day you return to active work status. You may elect to stop automatic coverage increases by calling the bp Benefits Center. To reactivate automatic coverage increases based on your salary increase will require evidence of insurability.
2 GUL coverage cannot be offered to domestic partners in some states. In addition, MetLife limits spouse/domestic partner coverage to no more than four times your base pay.
3 Texas employees must elect coverage for themselves in order to cover a spouse/domestic partner.


Publication date: April 2020


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