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Voluntary Insurance (Automatic Payroll Deduction Program)

The Automatic Payroll Deduction (APD) program offers state employees an opportunity to take advantage of insurance products not offered in the State of Iowa benefit program. 

All permanent state employees, regardless of branch of state government, are eligible for these discounts.  

The State is able to offer post-tax payroll deductions to pay your insurance premiums directly to the vendor.

In order to have insurance premiums deducted post-tax from state employees through payroll, a vendor must have and maintain the participation of 500 or more state employees.

Employee guidelines

  • You may meet with agents at the work place on non-work time to obtain information.
  • Any questions or issues that may arise with regard to a chosen policy should be directed to the participating vendor.
  • Any resulting coverage you decide to purchase will be based on a contract between you and the participating vendor.

Vendors authorized for payroll deduction


Agents Jane Pottebaum
Morgan Gallagher
Phone Jane 712-830-7820
Morgan 319-325-5571
Coverage Provided
  • Group Accident Insurance
  • Group Critical Illness
  • Group Critical Illness/Cancer Insurance
  • Group Hospital Indemnity  Insurance​


New York Life

Agent Jay Black
Phone 515-453-1328
Coverage Provided
  • Whole Life Insurance for employees, spouse, children, and grandchildren


National Teachers Associates Life Insurance 

Agent Richard Holliday
Phone 972-852-2567
Coverage Provided
  • Accident Insurance
  • Cancer Insurance
  • Disability Income Insurance
  • Heart Attack, Geart Disease, and Stroke Insurance 


Two Rivers Insurance 

Agent Jim Annear
Phone 515-327-2028
Coverage Provided
  • Vision Insurance
    - Avesis
    - EyeMed


Washington National

Agents Alan Harris
Ken Craig
Phone 515-252-7099
Coverage Provided
  • Accident Insurance
  • Cancer Insurance
  • Critical Illness
  • Heart and Stroke Insurance
  • Universal Life Insurance

Vendor currently not authorized for payroll deduction

American National Insurance 

Agent Carl Davis
Phone 515-491-4576
Coverage Provided
  • Express Issue Universal Life Insurance
  • Simplified Issue Whole Life Insurance
  • Simplified Issue Universal Life Insurance


Any insurance products purchased with a Voluntary Insurance Program vendor is the sole responsibility of the individual employee.  All state employees are encouraged to shop and compare prices and services before purchasing, signing any contract, or making any arrangements. Employees must contact the vendor for any specific questions or concerns and for all customer service functions.


  • The State of Iowa does not endorse or sponsor any APD vendor, or the products and services they provide. 
  • The State of Iowa assumes no responsibility for any purchases or disputes between individual employees and the vendors. 
  • The State of Iowa assumes no obligation for these insurance plans. 
  • All arrangements are strictly between the employee, as a consumer, and the insurance company. 
  • The State as the employer is not part of the insurance relationship.
  • The State has not reviewed or completed a competitive bid on any of these offerings. 

Published: 04/15/2019