Basic Life and AD&D

Life and AD&D coverage helps protect your loved ones in the event of your death or serious injury. Even if you’re single, your beneficiary can use your Life insurance benefits to pay off your debts, such as credit cards, mortgages, and other final expenses.

Basic Life insurance and AD&D – You receive Basic Life insurance coverage at no cost to you, and you do not need to enroll in any other health and protection program. Basic Life insures you for 200% times your basic annual earnings, up to a maximum of $1,000,000.

Employee/Spouse Cost per $10,000 of Coverage

Employee Age

<25:
25-29:
30-34:
35-39:
40-44:
45-49:
50-54:
55-59:
60-64:
65-69:
70+:

Employee Rate

$0.20
$0.20
$0.25
$0.35
$0.50
$0.75
$1.15
$2.05
$3.30
$5.50
$5.50

Spouse Rate

$0.20
$0.20
$0.25
$0.35
$0.50
$0.75
$1.15
$2.05
$3.30
$5.50
$5.50

–
Child Life Rate per $10,000: $0.85

Employee Rate

<25: $0.20
25-29: $0.20
30-34: $0.25
35-39: $0.35
40-44: $0.50
45-49: $0.75
50-54: $1.15
55-59: $2.05
60-64: $3.30
65-69: $5.50
70+: $5.50

Spouse Rate

<25: $0.20
25-29: $0.20
30-34: $0.25
35-39: $0.35
40-44: $0.50
45-49: $0.75
50-54: $1.15
55-59: $2.05
60-64: $3.30
65-69: $5.50
70+: $5.50

Child Life Rate per $10,000: $0.85