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Rates

Monthly Costs* for Supplemental Term Life

You have the option to purchase Supplemental Term Life Insurance. Listed below are your monthly rates (based on your age as of your last birthday).

Age Monthly Cost Per $1,000 of Employee Coverage
Under 25 $0.023
25 - 29 $0.023
30-34 $0.023
35-39 $0.033
40-44 $0.047
45-49 $0.058
50-54 $0.092
55-59 $0.172
60-64 $0.202
65-69 $0.446
70-74 $1.135
75-79 $1.135
80+ $1.135

*Note: When a member becomes insured for Supplemental Life Insurance, the premium rate will be based on the member’s age as of the date the member elected Supplemental Life Insurance. Subsequently, the member’s age on each “salary freeze date” will determine the premium rate and changes will become effective at the beginning of the next plan year.

Rates are subject to the policy’s right to change premium rates, and the employer’s right to change employee contributions.



Use the table below to calculate your premium based on the amount of life insurance you will need.

Example: $100,000 Supplemental Life Coverage

1. Enter the rate from the table (example age 36) $0.033 $__________
2. Enter the amount of insurance in thousands of dollars (Example: for $100,000 of coverage enter $100) 100 __________
3. Monthly premium (1) x (2) $3.30 $__________


Repeat the three easy steps above to determine the cost for each coverage selected.

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Questions?

Call the County of San Diego Employee Benefits Division at (888) 550-2203
Monday – Friday
8:00 a.m. – 5:00 p.m. PST


 
 
 
 
 

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