Optional Life and Voluntary AD&D Rates Please see the table below for the cost of Optional Life and Voluntary AD&D coverage organized by employee and spouse banded rates and child rates.
Monthly Rates per $1000 of Covered Volume Optional Life Rates
Age Range
Employee Rate
Spouse Rate
Ages 15-19
$.05
$.04
Ages 20-24
$.05
$.04
Ages 25-29
$.06
$.06
Ages 30-34
$.08
$.07
Ages 35-39
$.09
$.08
Ages 40-44
$.10
$.10
Ages 45-49
$.15
$.15
Ages 50-54
$.23
$.27
Ages 55-59
$.43
$.43
Ages 60-64
$.62
$.76
Ages 65-69
$1.25
$1.29
Ages 70-74 Ages 75-79 Ages 80+ Child rate:
$1.88 $3.02 $4.89
$2.15 $2.15 $2.15
$.85 Voluntary Accidental Death & Dismemberment
Employee Only:
$.016
Family Protection Plus:
$.029
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