Life and Disability Insurance
Protect your loved ones with life and AD&D coverage through The Hartford.
Life and Disability Insurance
Basic Life & AD&D
| Feature | Details |
|---|---|
| Life Coverage | 1x basic annual earnings up to $500,000 |
| AD&D Benefit | Included - AD&D matches Basic Life amount |
| Employee Cost | $0 - fully employer paid |
| EOI Required | No |
Note: Age Reduction - Benefits reduce by 55% at age 70, 70% at age 75, 80% at age 80, and 85% at age 85
Life Coverage
Details1x basic annual earnings up to $500,000
AD&D Benefit
DetailsIncluded - AD&D matches Basic Life amount
Employee Cost
Details$0 - fully employer paid
EOI Required
DetailsNo
Voluntary Life Insurance
| Coverage For | Increments | Maximum | Guaranteed Issue |
|---|---|---|---|
| Employee | $10,000 increments | Up to 5x annual earnings, maximum $750,000 | Up to $200,000 without medical questions |
| Spouse | $5,000 increments | Up to 50% of employee amount, maximum $250,000 | Up to $50,000 without medical questions |
| Child (Age: 15 days to 26) | Per child | $25,000 per child | $25,000 |
Employee
Increments$10,000 increments
MaximumUp to 5x annual earnings, maximum $750,000
Guaranteed IssueUp to $200,000 without medical questions
Spouse
Increments$5,000 increments
MaximumUp to 50% of employee amount, maximum $250,000
Guaranteed IssueUp to $50,000 without medical questions
Child (Age: 15 days to 26)
IncrementsPer child
Maximum$25,000 per child
Guaranteed Issue$25,000
Supplemental Life Rates
| Age Band | Rate per $1,000 |
|---|---|
| Less than 25 | $0.084 |
| 25-29 | $0.097 |
| 30-34 | $0.122 |
| 35-39 | $0.135 |
| 40-44 | $0.148 |
| 45-49 | $0.211 |
| 50-54 | $0.313 |
| 55-59 | $0.569 |
| 60-64 | $0.862 |
| 65-69 | $1.639 |
| 70+ | $2.647 |
| Child rate per unit for $25,000 of benefit (all ages) | $4.075 |
Less than 25
Rate per $1,000$0.084
25-29
Rate per $1,000$0.097
30-34
Rate per $1,000$0.122
35-39
Rate per $1,000$0.135
40-44
Rate per $1,000$0.148
45-49
Rate per $1,000$0.211
50-54
Rate per $1,000$0.313
55-59
Rate per $1,000$0.569
60-64
Rate per $1,000$0.862
65-69
Rate per $1,000$1.639
70+
Rate per $1,000$2.647
Child rate per unit for $25,000 of benefit (all ages)
Rate per $1,000$4.075
Beneficiary Management
Supplemental AD&D is automatic enrollment to match supplemental life benefit. Must enroll in employee coverage before covering spouse or children.