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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.

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 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.