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:
Submit your insurance application online to get started.
Monthly individual term life and AD&D insurance rates
| 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 | $27.34 | $8.97 | $16.95 |
| 30-34 | $15.98 | $30.95 | $10.50 | $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 AD&D 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.
Additional ITL forms
Acknowledgement of Life Insurance Replacement Coverage Form (PDF, 488 KB)
Beneficiary Change Form (PDF, 43 KB)
Life Insurance Additional Contact Designation Form (PDF, 444 KB)
