Can I buy coverage for my family? If you cover yourself, you can also purchase Voluntary Life Insurance for your eligible family members. You can buy spouse coverage in units of $5,000, up to the lesser of 50% of your own coverage amount or $50,000. You can buy coverage for your children too - in an amount of $1,000, $5,000 or $10,000. The 50% limit also applies to child coverage. You can also buy AD&D coverage for your dependents, if you buy AD&D coverage for yourself. The Dependent AD&D amount will match the Dependent Life amount. Your eligible dependents include your lawful spouse, if not disabled or hospital confined on the effective date, and unmarried children (if not hospital confined) from live birth to age 19, or to age 25 if a full-time student. The hospital confinement exception does not apply to a child born while dependent insurance is in effect.
AD&D All Ages All Ages
Spouse Life Weekly (52) Premium Deduction Schedule
Age <20 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+
$5 0.07 0.08 0.09 0.13 0.19 0.31 0.50 0.85 1.48 1.91 3.39 7.60 18.07 $10 0.13 0.16 0.18 0.27 0.37 0.62 1.00 1.70 2.96 3.81 6.78 15.19 36.14 $15 0.20 0.24 0.28 0.40 0.56 0.93 1.50 2.55 4.44 5.72 10.18 22.79 54.21 $20 0.26 0.32 0.37 0.53 0.75 1.25 2.00 3.40 5.92 7.62 13.57 30.38 72.29 $25 0.33 0.40 0.46 0.66 0.93 1.56 2.50 4.25 7.40 9.53 16.96 37.98 90.36 $30 0.39 0.48 0.55 0.80 1.12 1.87 3.00 5.10 8.88 11.44 20.35 45.57 108.43 $35 0.46 0.57 0.65 0.93 1.31 2.18 3.51 5.95 10.35 13.34 23.75 53.17 126.50 $40 0.53 0.65 0.74 1.06 1.50 2.49 4.01 6.80 11.83 15.25 27.14 60.77 144.57 $45 0.59 0.73 0.83 1.19 1.68 2.80 4.51 7.65 13.31 17.16 30.53 68.36 162.64 $50 0.66 0.81 0.92 1.33 1.87 3.12 5.01 8.50 14.79 19.06 33.92 75.96 180.72
0.03 0.06 0.09 0.12 0.15 0.18 0.21 0.24 0.27 0.30
For Life and Accidental Death and Dismemberment insurance for your spouse, choose the benefit you want. Your spouse’s premiums are based on your age.
For Life insurance for your child(ren), choose the benefit you want for the corresponding premium. One premium covers all of your eligible dependent children.
Child Life Weekly (52) Premium
Benefit
$1,000 $5,000 $10,000
0.05
0.23
0.46
Child Life
0.06
0.26
0.52
Child Life and AD&D
Limitations, exclusions, restrictions and reductions
Please carefully review the Other Important Plan Provisions section for additional important plan limitations, exclusions, restrictions and reductions that may apply.
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