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

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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 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.)

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.)

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

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.