In crisis?
Due to COVID-19, HCA’s lobby is closed. Learn more about your customer service options.
Life insurance premiums
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
$3.95 per month (employer-paid)
Employee supplemental life insurance
For employees. Rates are based on your (the subscriber's) age as of December 31, 2019, and tobacco use by the person being insured. (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).
| Your Age | Non-tobacco user | Tobacco user |
|---|---|---|
| Under 25 | $0.038 | $0.050 |
| 25-29 | $0.042 | $0.060 |
| 30-34 | $0.046 | $0.080 |
| 35-39 | $0.058 | $0.090 |
| 40-44 | $0.088 | $0.100 |
| 45-49 | $0.128 | $0.150 |
| 50-54 | $0.188 | $0.230 |
| 55-59 | $0.346 | $0.400 |
| 60-64 | $0.534 | $0.630 |
| 65-69 | $0.962 | $1.220 |
| 70+ | $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 as 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 |
| 25-29 | $0.042 | $0.060 |
| 30-34 | $0.046 | $0.080 |
| 35-39 | $0.058 | $0.090 |
| 40-44 | $0.088 | $0.100 |
| 45-49 | $0.128 | $0.150 |
| 50-54 | $0.188 | $0.230 |
| 55-59 | $0.346 | $0.400 |
| 60-64 | $0.534 | $0.630 |
| 65-69 | $0.962 | $1.220 |
| 70+ | $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 - 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 |
Contact
Contact MetLife for questions about enrollment, premium payments, benefits or plan details:
Phone: 1-833-854-9624, benefits specialists available Monday through Friday, 5 a.m. to 8 p.m. Pacific Time (except for the major holidays).
- 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.