Life insurance premiums
The SEBB Program provides basic life insurance and basic accidental death and dismemberment (AD&D) insurance at no cost to school employees who are eligible for the employer contribution toward SEBB benefits. If eligible, you will automatically be enrolled in basic life and basic AD&D insurance, even if you waive medical coverage. You can also enroll in supplemental life insurance and supplemental AD&D insurance for yourself and your eligible dependents.
Supplemental life insurance is not available to employees whose eligibility was locally negotiated under WAC 182-30-130.
On this page
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 AD&D insurance
$3.955 per month (employer-paid)
Employee supplemental life insurance
For employees. Rates are based on the employee's and tobacco use. (Premiums increase 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 | $0.038 | $0.050 |
| 25 to 29 | $0.042 | $0.060 |
| 30 to 34 | $0.046 | $0.080 |
| 35 to 39 | $0.058 | $0.090 |
| 40 to 44 | $0.088 | $0.100 |
| 45 to 49 | $0.128 | $0.150 |
| 50 to 54 | $0.188 | $0.230 |
| 55 to 59 | $0.346 | $0.400 |
| 60 to 64 | $0.534 | $0.630 |
| 65 to 69 | $0.962 | $1.220 |
| 70 and older | $1.438 | $1.988 |
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 (up to 50 percent of Employee supplemental; available in $5,000 increments).
| Age | Non-tobacco user | Tobacco user |
|---|---|---|
| Under 25 | $0.038 | $0.050 |
| 25 to 29 | $0.042 | $0.060 |
| 30 to 34 | $0.046 | $0.080 |
| 35 to 39 | $0.058 | $0.090 |
| 40 to 44 | $0.088 | $0.100 |
| 45 to 49 | $0.128 | $0.150 |
| 50 to 54 | $0.188 | $0.230 |
| 55 to 59 | $0.346 | $0.400 |
| 60 to 64 | $0.534 | $0.630 |
| 65 to 69 | $0.962 | $1.220 |
| 70 and older | $1.438 | $1.988 |
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 only (available in $10,000 increments) |
Spouse or state-registered domestic partner (available in $10,000 increments) |
Child (available in $5,000 increments) |
|---|---|---|
| $0.019 | $0.019 | $0.016 |