Life insurance premiums
Find out the monthly cost for supplemental life and accidental death and dismemberment (AD&D) insurance.
On this page
Apply for supplemental life and AD&D insurance
How much insurance do I need?
Fill out the easy-to-use life insurance calculator to find out how much additional life insurance you need.
Basic life and basic AD&D insurance
$3.955 per month (employer-paid)
Employee supplemental life insurance
For employees. Rates are based on the employee's age and tobacco use. (Premiums increase on January 1 of each year, after you reach each new age bracket.)
The following table represents the monthly cost for each $1,000 of coverage (available in $10,000 increments).
| Your age | Non-tobacco user | Tobacco user |
|---|---|---|
| Under 25 | $0.030 | $0.039 |
| 25 to 29 | 0.033 | 0.046 |
| 30 to 34 | 0.036 | 0.060 |
| 35 to 39 | 0.045 | 0.069 |
| 40 to 44 | 0.067 | 0.077 |
| 45 to 49 | 0.097 | 0.117 |
| 50 to 54 | 0.151 | 0.179 |
| 55 to 59 | 0.282 | 0.334 |
| 60 to 64 | 0.432 | 0.508 |
| 65 to 69 | 0.798 | 0.978 |
| 70 and older | 1.190 | 1.589 |
Spouse or state-registered domestic partner life
For employee's spouse or state-registered domestic partner. Rates are based on the employee's age and the spouse's or state-registered domestic partner's tobacco use. (Premiums increase after the employee reaches each new age bracket.)
The following table represents the monthly cost for each $1,000 of coverage (available in $5,000 increments).
| Your age | Non-tobacco user | Tobacco user |
|---|---|---|
| Under 25 | $0.030 | $0.039 |
| 25 to 29 | 0.033 | 0.046 |
| 30 to 34 | 0.036 | 0.060 |
| 35 to 39 | 0.045 | 0.069 |
| 40 to 44 | 0.067 | 0.077 |
| 45 to 49 | 0.097 | 0.117 |
| 50 to 54 | 0.151 | 0.179 |
| 55 to 59 | 0.282 | 0.334 |
| 60 to 64 | 0.432 | 0.508 |
| 65to 69 | 0.798 | 0.978 |
| 70 and older | 1.190 | 1.589 |
Child life for dependents
The following table represents the monthly cost for each $1,000 of coverage (available in $5,000 increments).
| Age | Cost |
|---|---|
|
Age 2 weeks to 26 years |
$0.124 |
Supplemental AD&D insurance
The following table represents the monthly cost for each $1,000 of coverage.
| Employee (available in $10,000 increments) |
Spouse or state-registered domestic partner (available in $10,000 increments) |
Children (available in $5,000 increments) |
|---|---|---|
| $0.019 | $0.019 | $0.016 |
Contact
For questions about enrollment, premium payments, benefits or plan details
MetLife
Phone: 1-866-548-7139
Monday through Friday
5 a.m. to 8 p.m. (Pacific)
- Customer support for questions about your account, benefit options, claims, beneficiaries, and billing.
- 24/7 automated customer support to order forms, confirm coverage, and verify beneficiaries.