Life insurance premiums

Find out the monthly cost for optional life and accidental death and dismemberment (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 AD&D insurance

$3.96 per month (employer-paid)

Employee optional life insurance

For employees. Rates are based on the employee's age and tobacco use.

(Premiums increase as you reach each new age bracket.)

Monthly cost for each $1,000 of coverage (available in $10,000 increments)
Your age	Non-tobacco user	Tobacco user
Under 25	$0.028	$0.037
25-29	0.031	0.043
30-34	0.034	0.057
35-39	0.043	0.066
40-44	0.064	0.073
45-49	0.092	0.111
50-54	0.143	0.170
55-59	0.268	0.317
60-64	0.411	0.482
65-69	0.758	0.929
70+	1.131	1.510

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 as the employee reaches each new age bracket.)

Monthly cost for each $1,000 of coverage (up to 50% of Employee Optional; available in $5,000 increments)
Age	Non-tobacco user	Tobacco user
Under 25	$0.028	$0.037
25-29	0.031	0.043
30-34	0.034	0.057
35-39	0.043	0.066
40-44	0.064	0.073
45-49	0.092	0.111
50-54	0.143	0.170
55-59	0.268	0.317
60-64	0.411	0.482
65-69	0.758	0.929
70+	1.131	1.510

Child life for dependents

Monthly cost for each $1,000 of coverage (available in $5,000 increments)
Age 2 weeks - 26 years	$0.124

Optional AD&D insurance

Monthly cost for each $1,000 of coverage for employee only (available in $10,000 increments)	Monthly cost for each $1,000 of coverage for spouse or state-registered domestic partner (available in $10,000 increments)	Monthly cost for each $1,000 of coverage for child (available in $5,000 increments)
$0.019	$0.019	$0.016

Contact

Contact MetLife for questions about enrollment, premium payments, benefits or plan details:

Phone: 1-866-548-7139, benefits specialists available Monday through Friday, 5 a.m. to 8 p.m. Pacific Time (except for the major holidays).

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.