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 (855) 656-0460 to apply.

Download the application

 



Monthly individual term life and AD&D insurance rates 

To calculate the monthly premium, locate your age, sex, and nicotine use, and multiply the rate by the life insurance benefit amount.  If you would like AD&D insurance too, multiply the AD&D rate by the matching AD&D benefit amount. For example, a 45-year-old female non-nicotine user who wants $50,000 of life insurance coverage would pay:

$0.248 (from chart) x 50 (units are in $1000 increments) = $12.40 per month. 

If she adds $50,000 in AD&D benefits, it would add: 

$0.10 (ADD&D rate) x 50 (units are in $1000 increments) = $5 per month

So, in total, this person would pay: 

$12.40 (monthly life insurance payment) + $5 (monthly AD&D payment) = $17.40 per month 

 

Get started calculating your own rates: 

 

Life rates per $1,000 of coverage
LIFE RATES PER $1,000 OF COVERAGE
 
  Male Female
Age range Non-nicotine user Nicotine user Non-nicotine user Nicotine user
1-19 $0.122 $0.244 $0.071 $0.143
20-24 $0.125 $0.250 $0.074 $0.148
25-29 $0.132 $0.263 $0.080 $0.159
30-34 $0.150 $0.300 $0.095 $0.191
35-39 $0.180 $0.361 $0.122 $0.244
40-44 $0.231 $0.463 $0.169 $0.337
45-49 $0.329 $0.658 $0.248 $0.495
50-54 $0.487 $0.974 $0.375 $0.749
55-59 $0.732 $1.464 $0.566 $1.131
60-64 $1.193 $2.386 $0.865 $1.730

 

AD&D rates per $1,000 of coverage
  Male Female
Age range Non-nicotine user Nicotine user Non-nicotine user Nicotine user
0-64 $0.10 $0.10 $0.10 $0.10