Life Insurance
At UHD, you have several life insurance and accident and dismemberment coverage options available. Learn more about Optional Term Life, Dependent Term Life and Voluntary Accident and Dismemberment coverage.
| OPTIONAL TERM LIFE RATES | ||||
|---|---|---|---|---|
| Age | E I | E II | E III | E IV |
| Under 25 | $0.05 | $0.10 | $0.15 | $0.20 |
| 25-29 | $0.05 | $0.10 | $0.15 | $0.20 |
| 30-34 | $0.06 | $0.12 | $0.18 | $0.24 |
| 35-39 | $0.06 | $0.12 | $0.18 | $0.24 |
| 40-44 | $0.08 | $0.16 | $0.24 | $0.32 |
| 45-49 | $0.13 | $0.26 | $0.39 | $0.52 |
| 50-54 | $0.20 | $0.40 | $0.60 | $0.80 |
| 55-59 | $0.35 | $0.70 | $1.05 | $1.40 |
| 60-64 | $0.60 | $1.20 | $1.80 | $2.40 |
| 65-69 | $0.98 | $1.96 | $2.94 | $3.92 |
| 70-74 | $1.56 | $3.12 | $4.68 | $6.24 |
| 75-79 | $2.55 | $5.10 | $7.65 | $10.20 |
| 80-84 | $4.15 | $8.30 | $12.45 | $16.60 |
| 85-89 | $7.18 | $14.36 | $21.57 | $28.72 |
| 90+ | $11.18 | $22.36 | $33.54 | $44.72 |
Beginning at age 70, Optional Term Life coverage is reduced to a percentage of your annual salary according to the following age table:
| OPTIONAL TERM LIFE PERCENT COVERAGE AGE 70+ | ||||
|---|---|---|---|---|
| 70-74 | 75-79 | 80-84 | 85-89 | 90+ |
| 65% | 40% | 25% | 15% | 10% |
| DEPENDENT TERM LIFE RATES | VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) RATES | |
|---|---|---|
| $1.45 (includes $5,000 term life with AD&D coverage per dependent) | Employee Only $0.02/$1,000.00 of coverage |
Employee & Family $0.04/$1,000.00 of coverage |
