SUPPLEMENTAL LIFE INSURANCE

Associates may voluntarily choose 1 up to 7 times their annual earnings up to a maximum of $500,000.

Formula calculation (Associate + Spouse)

Life Benefit ÷ $1,000 = _____ x Rate = $ Biweekly Cost

Associate’s life insurance bi-weekly rate per $1,000
Spouse’s life insurance bi-weekly rate per $1,000

Age	Associate life insurance bi-weekly rate per $1,000	Spouse life insurance bi-weekly rate per $1,000
Under 25	$0.023	$0.023
25-29	$0.028	$0.028
30-34	$0.037	$0.037
35-39	$0.042	$0.042
40-44	$0.060	$0.060
45-49	$0.092	$0.092
50-54	$0.152	$0.152
55-59	$0.249	$0.249
60-64	$0.332	$0.332
65-69	$0.586	$0.586
70-74	$0.951	$0.951
75+	$1.574	$1.574

Associates may voluntarily elect dependent life insurance coverage provided associate’s supplemental coverage is elected.

Spouse Coverage Option

Purchase $5,000 volume increments up to $250,000 maximum
Eligible for the lesser 2.5x the associate’s annual salary or 50% of the associate’s supplemental coverage
Biweekly cost is the same as the age based rates that an associate pays under the optional life (above)
Coverage purchased on spouse in excess of $30,000 requires evidence of insurability

Dependent Child Coverage Options

Formula calculation (Children)

Life Benefit ÷ $1,000 = _____ x $0.05 = $ Biweekly Cost