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Determining the cost

To determine the monthly cost of your life insurance, please see the rate tables below.

Group term life

    
1.Your annual salary=_____________
 
2.Choose the salary multiple of one to seven times your annual salary=_____________

Group Term Life multiple

3.Multiply your annual salary by your Group Term Life multiple and round to the next higher thousand=_____________

Coverage amount

4.Divide your coverage amount by 1,000=_____________

$1,000 increments of coverage

5.From the table below, find the rate that corresponds with your age=_____________

Rate from table

  X_____________

Answer from #4

  =Your monthly insurance premium

Employee & spouse/domestic partner group term life

Monthly rates per $1,000
AgeGeneral Rate
(nicotine)
Preferred Rate
(non-nicotine)
Under 30$0.087$0.049
30-34$0.117$0.065
35-39$0.131$0.072
40-44$0.154$0.076
45-49$0.232$0.115
50-54$0.374$0.166
55-59$0.698$0.311
60-64$0.985$0.520
65-69$1.896$1.001
Over 70
$2.809
$1.750
 

Voluntary accidental death & dismemberment (AD&D) monthly cost

Coverage amountEmployee onlyFamily plan
$25,000$0.45$0.73
$50,000$0.90$1.45
$75,000$1.35$2.18
$100,000$1.80$2.90
$125,000$2.25$3.63
$150,000$2.70$4.35
$175,000$3.15$5.08
$200,000$3.60$5.80
$225,000$4.05$6.53
$250,000$4.50$7.25
$275,000$4.95$7.98
$300,000$5.40$8.70
$325,000$5.85$9.43
$350,000$6.30$10.15

Child Term Life

$10,000 coverage for each eligible child is $0.86 per month.
$20,000 coverage for each eligible child is $1.72 per month.

Employee and spouse/domestic partner rates increase with age and all rates are subject to change