Determining the cost

To calculate the monthly cost of coverage, please see the rate table below. Please note, rates increase with age. To determine how much coverage you need, use our insurance needs calculator.

Employee supplemental life and AD&D

Age

Rates per $1,000/per month

Under 29

$0.06

30-34

$0.06

35-39

$0.07

40-44

$0.12

45-49

$0.16

50-54

$0.25

55-59

$0.36

60-64

$0.63

65-69

$0.63

70+

$0.98

  

Dependent life and AD&D

Coverage amount

Rates per month

$2,000

$0.94

$4,000

$1.88

$6,000

$2.82

$10,000

$4.70

$12,000

$5.64

$15,000

$7.05

$50,000

$23.50

All rates are subject to change. 

  

Here's the easy math to your monthly premium:

 

 
Total coverage you need $                        

÷ 1,000

$                        

x your rate

$                        

= monthly premium

$