Apply for supplemental life and AD&D insurance
How much insurance do I need?
Fill out the easy-to-use life insurance calculator to find out how much additional life insurance you need.
Basic life and basic AD&D insurance
$3.955 per month (employer-paid)
Employee supplemental life insurance
For employees. Rates are based on the employee's age and tobacco use. (Premiums increase on January 1 of each year, after you reach each new age bracket.)
The following table represents the monthly cost for each $1,000 of coverage (available in $10,000 increments).
| Your age |
Non-tobacco user |
Tobacco user |
| Under 25 |
$0.030 |
$0.039 |
| 25 to 29 |
0.033 |
0.046 |
| 30 to 34 |
0.036 |
0.060 |
| 35 to 39 |
0.045 |
0.069 |
| 40 to 44 |
0.067 |
0.077 |
| 45 to 49 |
0.097 |
0.117 |
| 50 to 54 |
0.151 |
0.179 |
| 55 to 59 |
0.282 |
0.334 |
| 60 to 64 |
0.432 |
0.508 |
| 65 to 69 |
0.798 |
0.978 |
| 70 and older |
1.190 |
1.589 |
Spouse or state-registered domestic partner life
For employee's spouse or state-registered domestic partner. Rates are based on the employee's age and the spouse's or state-registered domestic partner's tobacco use. (Premiums increase after the employee reaches each new age bracket.)
The following table represents the monthly cost for each $1,000 of coverage (available in $5,000 increments).
| Your age |
Non-tobacco user |
Tobacco user |
| Under 25 |
$0.030 |
$0.039 |
| 25 to 29 |
0.033 |
0.046 |
| 30 to 34 |
0.036 |
0.060 |
| 35 to 39 |
0.045 |
0.069 |
| 40 to 44 |
0.067 |
0.077 |
| 45 to 49 |
0.097 |
0.117 |
| 50 to 54 |
0.151 |
0.179 |
| 55 to 59 |
0.282 |
0.334 |
| 60 to 64 |
0.432 |
0.508 |
| 65to 69 |
0.798 |
0.978 |
| 70 and older |
1.190 |
1.589 |
Child life for dependents
The following table represents the monthly cost for each $1,000 of coverage (available in $5,000 increments).
| Age |
Cost |
|
Age 2 weeks to 26 years
|
$0.124
|
Supplemental AD&D insurance
The following table represents the monthly cost for each $1,000 of coverage.
Employee
(available in $10,000 increments) |
Spouse or state-registered domestic partner
(available in $10,000 increments) |
Children
(available in $5,000 increments) |
| $0.019 |
$0.019 |
$0.016 |
