2018 Rates - Supplemental Employee Life
Age Band Optional Life Insurance
Rates per $1,000 coverage
Optional Life Insurance
Rates per $1,000 coverage
  Smoker* Non-Smoker
Less than 25 $0.528 $0.432
25-29 $0.612 $0.54
30-34 $0.876 $0.696
35-39 $0.948 $0.78
40-44 $1.044 $0.876
45-49 $1.74 $1.38
50-54 $2.76 $2.34
55-59 $5.16 $4.26
60-64 $6.864 $5.724
65-69 $13.20 $11.04
70+ $21.36 $17.88
2018 Rates - Spouse Life
Age Band Optional Life Insurance
Rates per $1,000 coverage
Optional Life Insurance
Rates per $1,000 coverage
  Smoker* Non-Smoker
Less than 25 $0.648 $0.528
25-29 $0.744 $0.636
30-34 $1.056 $0.852
35-39 $1.176 $0.96
40-44 $1.272 $1.056
45-49 $2.124 $1.704
50-54 $3.612 $2.868
55-59 $7.008 $5.208
60-64 $8.40 $6.996
65-69 $16.128 $13.476
70+ $26.208 $21.864

*The definition of a smoker is the use of tobacco products within the past 12 months (cigars, cigarettes, pipes, chewing tobacco)

To estimate your costs:

[Amount of Coverage (1 - 6 times salary)/1,000 x rate] / 26 = Biweekly cost

2018 Child(ren) Life
Volume Annual Premium
$5,000 $8.64
$10,000 $17.28
$15,000 $25.92