Life insurance premiums (continuation coverage only)

Find out your monthly costs for basic and optional 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 AD&D insurance

You may choose to continue all or part of your life insurance coverage while on continuation coverage. If you choose to continue any part of your optional life coverage, you must also continue the $35,000 basic life and accidental death and dismemberment (AD&D) insurance at a cost of $3.89 per month.

Employee optional life insurance

For employees. Rates are based on the employee's age and tobacco use.

(Premiums increase as you reach each new age bracket.)

Monthly cost for each $1,000 of coverage
(available in $10,000 increments)

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+ 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 or state-registered domestic partner's tobacco use.

(Premiums increase as you reach each new age bracket.)

Monthly cost for each $1,000 of coverage
(up to 50% of Employee Optional;
available in $5,000 increments)

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+ 1.131 1.510

Child life for dependents

Monthly cost for each $1,000 of coverage

(available in $5,000 increments)

Age 2 weeks - 26 years

$0.124 

Optional AD&D insurance

Monthly cost for each $1,000 of coverage for employee only
(available in $10,000 increments)
Monthly cost for each $1,000 of coverage for spouse or state-registered domestic partner
(available in $10,000 increments)
Monthly cost for each $1,000 of coverage for child
(available in $5,000 increments)
$0.019 $0.019 $0.016

 

Contact

MetLife

Phone: 1-866-548-7139, 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.