Protect your family with Life and AD&D Insurance
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 | $10.54 | $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 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 |
Additional ITL forms
Acknowledgement of Life Insurance Replacement Coverage Form (PDF, 487 KB)
Beneficiary Change Form (PDF, 43 KB)
Life Insurance Additional Contact Designation Form (PDF, 443 KB)
* Within the first two years of the policy, if the insured dies because of suicide, no life insurance benefit will be paid; however, the premiums will be returned. Please refer to the policy for a complete description of this limitation.
† Life insurance coverage may be purchased without AD&D, but AD&D may only be purchased with life insurance coverage. Coverage is available to all individuals ages 1 to 64 with or without a Blue Shield health plan. Simply complete and submit the Application for Individual Term Life and AD&D Insurance Coverage to apply. All plans terminate at age 65.
‡ Those under age 20 are only eligible for $10,000, $15,000, and $25,000 coverage amounts.
Page last updated: 10/01/2023
