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Basic Life, Supplemental Life and AD&D Rates

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We provide basic life insurance, plus the opportunity to purchase supplemental life insurance. As a Stanford employee, you are automatically enrolled in our basic life insurance program. There is no cost to employees for basic life and coverage is 1x salary up to a max of $50,000.

Download the Life Insurance Rate Calculator to plug in your information and receive a per pay-period cost calculation.

Basic Life

COVERAGE AMOUNT PAY PERIOD COST
Up to $50,000.00 University Paid

Supplemental Life Rates - Individual and Spouse

These are the 2021 rates per pay period for supplemental life insurance as well as for supplemental accidental death and dismemberment insurance for employees and/or dependents.

AGE* PER PERSON PAY PERIOD COST PER $1,000**
under 25 $0.01
25 – 29 $0.01
30 – 34 $0.01
35 – 39 $0.015
40 – 44 $0.015
45 – 49 $0.025
50 – 54 $0.035
55 – 59 $0.07
60 – 64 $0.13
65 – 69 $0.255
70-74 $0.525
75+ $0.55

Supplemental Life Rates -  Child(ren)

COVERAGE AMOUNT PER CHILD PAY PERIOD COST PER $1,000**
$5,000.00 $0.25
$10,000.00 $0.50
$25,000.00 $1.25

Accidental Death & Dismemberment (AD&D)

Coverage Pay period Cost per $1,000**

Employee $0.005
Spouse $0.01
Child $0.004

* The cost per pay period can change the following year if you age into a new bracket or have a salary change.

** The rates apply through December 31, 2024.