Results for Life Insurance
Supplemental Life Insurance Monthly Rate
Supplemental Life Insurance rates are based on your coverage amount, age and smoker status. For example, the rate for a 43 year old non-smoker with $100,000 in coverage is $6.80 per month. Use the chart below to calculate your Supplemental Life Insurance rate.
Paying for Supplemental Life Insurance
You pay the full cost for Supplemental Life Insurance coverage through payroll deductions after taxes.
2025 Active Employee and Spouse Supplemental Life Premiums
Monthly rates per $1,000 in coverage, based on employee’s age
| Non-Smoker | Smoker | Non-Smoker Spouse | Smoker Spouse | |
|---|---|---|---|---|
| <30 | $0.029 | $0.041 | $0.039 | $0.06 |
| 30-34 | $0.029 | $0.059 | $0.039 | $0.08 |
| 35-39 | $0.050 | $0.066 | $0.068 | $0.09 |
| 40-44 | $0.068 | $0.077 | $0.093 | $0.105 |
| 45-49 | $0.106 | $0.122 | $0.146 | $0.17 |
| 50-54 | $0.165 | $0.186 | $0.225 | $0.268 |
| 55-59 | $0.286 | $0.340 | $0.394 | $0.469 |
| 60-64 | $0.469 | $0.533 | $0.646 | $0.771 |
| 65-69 | $0.903 | $1.025 | $1.243 | $1.491 |
| 70-74 | $1.464 | $1.661 | NA | NA |
| 75-79 | $2.060 | $2.060 | NA | NA |
| 80-84 | $2.060 | $2.060 | NA | NA |
| 85+ | $2.060 | $2.060 | NA | NA |
Life Insurance and Imputed Income
For 2025 coverage, the cost is based on your age as of Dec. 31, 2024, and your smoker status. During Annual Enrollment, any Basic Life Insurance you receive over $50,000 and any Supplemental Life Insurance you purchase will be reported as imputed income based on IRS regulations.
Dropping or Adding Supplemental Life Insurance
You can drop coverage anytime. But you won’t be able to re-enroll until the next Annual Enrollment period, unless you experience a qualified status change.
