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Coverage for Your Spouse
You can secure term life insurance for your spouse if you select coverage for yourself.

Term Life Insurance | Spouse

Guaranteed coverage amount $50,000
50% of the employee coverage amount
Maximum coverage amount
($250,000 maximum)
Minimum coverage amount $5,000

Guaranteed Life Insurance Coverage Amount
 You can choose a coverage amount up to 50% of your coverage amount ($50,000 maximum) for your
spouse without providing evidence of insurability.

 If you decline this coverage now and wish to enroll later, evidence of insurability may be required and
may be at your own expense.
 You can increase this amount by up to $10,000 during the next limited open enrollment period.

Maximum Life Insurance Coverage Amount

 You can choose a coverage amount up to 50% of your coverage amount ($250,000 maximum) for your
spouse with evidence of insurability.

 Coverage amounts are reduced when an employee reaches age 65.
 For complete plan details, please see your contract.

Life Group Rates for Your Spouse
Employee Premium
Age Range The estimated bi-weekly premium for life insurance is determined
Rate
by multiplying the desired amount of coverage (in increments of
0 - 24 0.0000323
$5,000) by the employee age-range premium rate.
25 - 29 0.0000323

30 - 34 0.0000323
35 - 39 0.0000415 $____________ X ___________ = $_______________
40 - 44 0.0000646 coverage amount premium rate bi-weekly premium
45 - 49 0.0000923
50 - 54 0.0001477 Note: Rates are subject to change and can vary over time.
55 - 59 0.0002585
60 - 64 0.0003646
65 - 69 0.0007615
70 - 74 0.0013385
75 - 79 0.0013385
80 - 99 0.0013385

Life Insurance Summary of Benefits
LFE-ENRO-BRC001-TX