Basic Life and AD&D
Voluntary 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 coverage are provided at no cost to you, and you are not required to enroll in any other health and protection program.
Basic AD&D is provided as part of 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
In addition to Basic Life and AD&D, eligible employees may purchase additional 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.
Employee Voluntary Life and AD&D Monthly Contributions
Employee/Spouse Cost per $1,000 of Coverage
Employee Age
<25: $XX
25-29: $XX
30-34: $XX
35-39: $XX
40-44: $XX
45-49: $XX
50-54: $XX
55-59: $XX
60-64: $XX
65-69: $XX
70+: $XX
Child Life Rate per $1,000: $XX
Employee/Spouse Cost per $1,000 of Coverage
Employee Age
<25: $XX
25-29: $XX
30-34: $XX
35-39: $XX
40-44: $XX
45-49: $XX
50-54: $XX
55-59: $XX
60-64: $XX
65-69: $XX
70+: $XX
Child Life Rate per $1,000: $XX