Life insurance premiums

Find out the monthly cost for supplemental life and accidental death and dismemberment (AD&D) insurance.

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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

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.

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