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Voluntary Life / AD&D Insurance:

Lincoln Financial

Employee Life / AD&D Spouse Life / AD&D Child Life Monthly Cost for
AGE Monthly Cost per $1,000 of Face Monthly Cost per $1,000 of Face $20,000 Benefit on ALL Eligible
Amount Amount Children to Age 26

$2,00 One Price covers
Under 25 $0.150 $0.150
All Children

25 - 29 $0.150 $0.150 Ends at Age 26

30 - 34 $0.170 $0.170 N / A

35 - 39 $0.190 $0.190 N / A

40 - 44 $0.270 $0.270 N / A

45 - 49 $0.430 $0.430 N / A

50 - 54 $1.020 $1.020 N / A

55 - 59 $1.020 $1.020 N / A

60 - 64 $1.560 $1.560 N / A

65 - 69 $2.770 $2.770 N / A

70 - 74 $4.910 $4.910 N / A

75 - 79 $4.910 $4.910 N / A

80 + $4.910 $4.910 N / A

Employees are responsible for paying the cost of voluntary life coverage through payroll deduction. Calculate the cost by dividing the
amount of voluntary life insurance by 1,000 and multiply by the appropriate rate above. Follow the example for a 35 year old below to
determine your monthly cost. This example provides $100,000 of Voluntary Life and additional $100,000 AD&D for Total of $200,000.

Example amount Multiplied by rate of 35 year
Divided by 1,000 Example Monthly Cost
of Insurance old

$100,000 / 1000 = 100 X $0.190 $19.00

To find the per pay period cost, follow the example below.

Example amount Monthly Cost Multiplied by 12 Months Annual Cost Divided by
of Insurance 24 Pay Periods

$100,000 $19.00 X 12 = $228.00 $9.50

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