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Life insurance premiums

Find out the monthly cost for supplemental life and accidental death and dismemberment (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 as you reach each new age bracket.)

The following table represents the monthly cost for each $1,000 of coverage (available in $10,000 increments).

2022

Your age	Non-tobacco user	Tobacco user
Under 25	$0.030	$0.039
25-29	0.033	0.046
30-34	0.036	0.060
35-39	0.045	0.069
40-44	0.067	0.077
45-49	0.097	0.117
50-54	0.151	0.179
55-59	0.282	0.334
60-64	0.432	0.508
65-69	0.798	0.978
70 and older	1.190	1.589

2021

Your age	Non-tobacco user	Tobacco user
Under 25	$0.028	$0.037
25-29	0.031	0.043
30-34	0.034	0.057
35-39	0.043	0.066
40-44	0.064	0.073
45-49	0.092	0.111
50-54	0.143	0.170
55-59	0.268	0.317
60-64	0.411	0.482
65-69	0.758	0.929
70 and older	1.131	1.510

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 as 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).

2022

Your age	Non-tobacco user	Tobacco user
Under 25	$0.030	$0.039
25-29	0.033	0.046
30-34	0.036	0.060
35-39	0.045	0.069
40-44	0.067	0.077
45-49	0.097	0.117
50-54	0.151	0.179
55-59	0.282	0.334
60-64	0.432	0.508
65-69	0.798	0.978
70 and older	1.190	1.589

2021

Age	Non-tobacco user	Tobacco user
Under 25	$0.028	$0.037
25-29	0.031	0.043
30-34	0.034	0.057
35-39	0.043	0.066
40-44	0.064	0.073
45-49	0.092	0.111
50-54	0.143	0.170
55-59	0.268	0.317
60-64	0.411	0.482
65-69	0.758	0.929
70 and older	1.131	1.510

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 - 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

Contact

For questions about enrollment, premium payments, benefits or plan details

MetLife
Phone: 1-866-548-7139
Monday through Friday
5 a.m. to 8 p.m. (Pacific)

Customer support for questions about your account, benefit options, claims, beneficiaries, and billing.
24/7 automated customer support to order forms, confirm coverage, and verify beneficiaries.