Facing financial burdens after the loss of a loved one can be challenging. Having life and Accidental Death and Dismemberment (AD&D) insurance can help provide critical financial protection that can be used to help cover living expenses, college education costs, mortgage payments, and more.* 

AD&D insurance provides another layer of protection. In the case of accidental death, the amount of your accidental death benefit matches your life insurance coverage. If you are accidentally injured, the dismemberment benefit will be a portion of the benefit amount.

We offer the financial protection and security of $10,000, $15,000, $25,000, $50,000, $75,000, or $100,000 in term life and AD&D insurance, with low monthly rates based on your age, sex, and nicotine use.‡ 


Apply for life insurance: 

Call 877-316-8766 to talk to a licensed specialty expert or to enroll.

Download the application

 


Life and AD&D benefit amounts

Life and AD&D benefit amounts available: $10,000 / $15,000 / $25,000 / $50,000 / $75,000 / $100,000. Children between 1-19 years of age are eligible for benefit amounts of $10,000 / $15,000 / $25,000. Coverage terminates at age 65.

 

Life and AD&D monthly premiums by benefit amount

Life insurance may be purchased with or without AD&D insurance.

 

 
LIFE BENEFIT AMOUNT: $10,000
  Male Female
Age Non-nicotine user Nicotine user Non-nicotine user Nicotine user
1-19 $2.22 $3.44 $1.71 $2.43
20-24 $2.25 $3.50 $1.74 $2.48
25-29 $2.32 $3.63 $1.80 $2.59
30-34 $2.50 $4.00 $1.95 $2.91
35-39 $2.80 $4.61 $2.22 $3.44
40-44 $3.31 $5.63 $2.69 $4.37
45-49 $4.29 $7.58 $3.48 $5.95
50-54 $5.87 $10.74 $4.75 $8.49
55-59 $8.32 $15.64 $6.66 $12.31
60-64 $12.93 $24.86 $9.65 $18.30

 

 
LIFE BENEFIT AMOUNT: $15,000
  Male Female
Age Non-nicotine user Nicotine user Non-nicotine user Nicotine user
1-19 $2.83 $4.66 $2.07 $3.14
20-24 $2.87 $4.75 $2.11 $3.22
25-29 $2.98 $4.95 $2.20 $3.39
30-34 $3.25 $5.49 $2.43 $3.86
35-39 $3.71 $6.41 $2.83 $4.66
40-44 $4.47 $7.94 $3.53 $6.06
45-49 $5.94 $10.87 $4.71 $8.43
50-54 $8.31 $15.61 $6.62 $12.24
55-59 $11.98 $22.96 $9.48 $17.97
60-64 $18.89 $36.79 $13.97 $26.94

 

 
LIFE BENEFIT AMOUNT: $25,000
  Male Female
Age Non-nicotine user Nicotine user Non-nicotine user Nicotine user
1-19 $4.05 $7.11 $2.78 $4.57
20-24 $4.12 $7.25 $2.85 $4.70
25-29 $4.29 $7.58 $2.99 $4.99
30-34 $4.74 $8.49 $3.39 $5.77
35-39 $5.51 $10.02 $4.05 $7.10
40-44 $6.78 $12.57 $5.22 $9.44
45-49 $9.23 $17.46 $7.19 $13.38
50-54 $13.18 $25.35 $10.37 $19.73
55-59 $19.30 $37.61 $15.14 $29.28
60-64 $30.82 $60.64 $22.62 $44.24

 

 
LIFE BENEFIT AMOUNT: $50,000
  Male Female
Age Non-nicotine user Nicotine user Non-nicotine user Nicotine user
1-19 N/A N/A N/A N/A
20-24 $7.25 $13.50 $4.70 $8.39
25-29 $7.58 $14.17 $4.99 $8.97
30-34 $8.49 $15.98 $5.77 $10.54
35-39 $10.02 $19.04 $7.10 $13.21
40-44 $12.57 $24.14 $9.44 $17.87
45-49 $17.46 $33.91 $13.38 $25.75
50-54 $25.35 $49.70 $19.73 $38.46
55-59 $37.61 $74/22 $29.28 $57.55
60-64 $60.64 $120.29 $44.24 $87.48

 

 
LIFE BENEFIT AMOUNT: $75,000
  Male Female
Age Non-nicotine user Nicotine user Non-nicotine user Nicotine user
1-19 N/A N/A N/A N/A
20-24 $10.37 $19.75 $6.55 $12.09
25-29 $10.88 $20.75 $6.98 $12.96
30-34 $12.23 $23.47 $8.16 $15.31
35-39 $14.53 $28.06 $10.16 $19.31
40-44 $18.35 $35.71 $13.65 $26.31
45-49 $25.68 $50.37 $19.56 $38.13
50-54 $37.53 $74.06 $29.10 $57.20
55-59 $55.91 $110.82 $43.41 $85.83
60-64 $90.46 $179.93 $65.86 $130.72

 

 
LIFE BENEFIT AMOUNT: $100,000
  Male Female
Age Non-nicotine user Nicotine user Non-nicotine user Nicotine user
1-19 N/A N/A N/A N/A
20-24 $13.50 $25.99 $8.39 $15.79
25-29 $14.17 $25.34 $8.97 $16.95
30-34 $15.98 $30.95 $10.54 $20.08
35-39 $19.04 $37.07 $13.21 $25.42
40-44 $24.14 $47.28 $17.87 $34.74
45-49 $33.91 $66.83 $25.75 $50.50
50-54 $49.70 $98.41 $38.46 $75.93
55-59 $74.22 $147.43 $57.55 $114.10
60-64 $120.29 $239.57 $87.48 $173.96

Life premium amounts shown include a $1.00 monthly administrative fee.
Non-nicotine user is defined as no nicotine use, of any kind, within the last 12 months.

 

Monthly and AD&D monthly premiums by benefit amount

AD&D insurance may not be purchased without life insurance.

Accidental Death and Dismemberment
Age $10,000 $15,000 $25,000 $50,000 $75,000 $100,000
1-19 $1.00 $1.50 $2.50 N/A N/A N/A
20-64 $1.00 $1.50 $2.50 $5.00 $7.50 $10.00

AD&D premium amounts are in addition to the life premium amounts.