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 – 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 up to a maximum of $150,000. 

Basic AD&D is included with your Basic Life coverage and provides you specified benefits for a covered accidental bodily injury that directly causes dismemberment (i.e., the loss of a hand, foot or eye). If death occurs from an accident, 100% of the AD&D benefit would be payable to your beneficiary(ies). 

    Voluntary Life and AD&D, Child

    In addition to Basic Life and AD&D, eligible employees may purchase additional Voluntary Life and AD&D insurance at favorable group rates. Participants pay 100% of the premium. Note: It is important to provide beneficiary information during the enrollment process and keep this information up to date. If you decline Voluntary Life insurance when first eligible or if you elect coverage and wish to increase your benefit amount at a later date, evidence of insurability may be required before coverage is approved. 

    For you: Up to 5 times your covered annual earnings or $1,000,000. Guaranteed issue of $150,000

    For your spouse: Up to lesser of 100% of employee amount or $500,000. Guaranteed issue of $25,000.

    Employee/Spouse Cost per $1,000 of Coverage

    Employee/Spouse Age

    < 30
    30-34
    35-39
    40-44
    45-49
    50-54
    55-59
    60-64
    65-69
    70+
    AD&D

    Employee Rate

    $0.053
    $0.061
    $0.075
    $0.100
    $0.149
    $0.230
    $0.379
    $0.584
    $0.917
    $1.598
    $0.021

    Spouse Rate

    $0.053
    $0.061
    $0.075
    $0.100
    $0.149
    $0.230
    $0.379
    $0.584
    $0.917
    $1.598
    $0.021

    –

    Employee Rate

    < 30: $0.053
    30-34: $0.061
    35-39: $0.075
    40-44: $0.100
    45-49: $0.149
    50-54: $0.230
    55-59: $0.379
    60-64: $0.584
    65-69: $0.917
    70+: $1.598
    AD&D:     $0.021

    Spouse Rate

    < 30: $0.053
    30-34:     $0.061
    35-39:     $0.075
    40-44:     $0.100
    45-49:     $0.149
    50-54:     $0.230
    55-59:     $0.379
    60-64:     $0.584
    65-69:     $0.917
    70+:     $1.598
    AD&D:     $0.021