Term life dependents and spouse Overview

Dependent term life policies offer you peace of mind knowing you'll have financial help if your spouse or a dependent child dies. Beneficiaries receive prompt payment, giving them one less thing to worry about.

 

Dependent basic term life insurance

This employer-sponsored coverage pays benefits if a spouse or dependent child dies. Key features:
  • Benefit for death of a spouse – $5,000 or $10,000, depending on your employer's plan (terminates at age 65)
  • Benefit for death of a child age 6 months to 19 years* (25 for full-time student) – $2,500 or $5,000, depending on your employer's plan
  • Benefit for death of a child ages 15 days to 6 months – $500

There is no benefit for death of a child from birth to 14 days old.

How much life insurance do you need?

Find out with our Life Insurance Calculator

Life insurance buyer's guide
+AD203 (245 KB) Download PDF
English

 

Dependent supplemental insurance

This employee-paid benefit allows you to get coverage for a spouse or dependent child above and beyond what your employer offers. By purchasing supplemental coverage, you receive competitive group rates and convenient premium payment through paycheck deductions.

How much life insurance do you need?

Find out with our Life Insurance Calculator

Life Insurance Buyer's Guide
(245 KB) Download PDF
English

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