Life insurance premiums

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

Apply for optional life and AD&D insurance

Sign in to MyBenefits

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

$3.96 per month (employer-paid)

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.)

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 $0.028 $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'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 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

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 

Optional 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: 1-866-548-7139, 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.