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ratE PEr Month                                          ratE PEr Month
               VoLUnTARY LIFe         RATe PeR $1,000                  VoLUnTARY LIFe         RATe PeR $1,000
                              Age   eMPLoYee/SPoUSe*                                  Age   eMPLoYee/SPoUSe*
                              <35           $0.082                                  60-64          $0.853
                            35-39           $0.101                                  65-69           $1.447
                            40-44           $0.145                                  70-74           $2.745
                            45-49           $0.218                                  75-79           $5.184
                            50-54           $0.346                                    Age      ALL CHILDRen
                            55-59           $0.557                                   0-26          $0.245
       *Spouse life terminates at the age of 70.


               VoLUnTARY AD&D
        Employee/Spouse/Child(ren)                                     $0.030









































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