Protect your family with Life and AD&D Insurance

Facing financial burdens after the loss of a loved one can be challenging. Having life and Accidental Death and Dismemberment (AD&D) insurance policy can help provide critical financial protection that can be used to help cover living expenses, college education costs, mortgage payments, and more.*

AD&D insurance provides another layer of protection. In the case of accidental death, the amount of your accidental death benefit matches your life insurance coverage. If you are accidentally injured, the dismemberment benefit will be a portion of the benefit amount.†

We offer the financial protection and security of $10,000, $15,000, $25,000, $50,000, $75,000, or $100,000 in term life and AD&D insurance, with low monthly rates based on your age, sex, and nicotine use.‡

Apply for life insurance: 

Submit your insurance application online to get started.

Monthly individual term life and AD&D insurance rates

 

Life benefit amount: $10,000

Male                                                                         Female

Age Non-nicotine user
Nicotine user Non-nicotine user Nicotine user
1-19 $2.22 $3.44 $1.71 $2.43
20-24 $2.25 $3.50 $1.74 $2.48
25-29 $2.32 $3.63 $1.80 $2.59
30-34 $2.50 $4.00 $1.95 $2.91
35-39 $2.80 $4.61 $2.22 $3.44
40-44 $3.31 $5.63 $2.69 $4.37
45-49 $4.29 $7.58 $3.48 $5.95
50-54 $5.87 $10.74 $4.75 $8.49
55-59 $8.32 $15.64 $6.66 $12.31
60-64 $12.93 $24.86 $9.65 $18.30

Life benefit amount: $15,000

Male                                                                         Female

Age Non-nicotine user Nicotine user Non-nicotine user Nicotine user
1-19 $2.83 $4.66 $2.07 $3.14
20-24 $2.87 $4.75 $2.11 $3.22
25-29 $2.98 $4.95 $2.20 $3.39
30-34 $3.25 $5.49 $2.43 $3.86
35-39 $3.71 $6.41 $2.83 $4.66
40-44 $4.47 $7.94
$3.53 $6.06
45-49 $5.94 $10.87 $4.71 $8.43
50-54 $8.31 $15.61 $6.62 $12.24
55-59 $11.98 $22.96 $9.48 $17.97
60-64 $18.89 $36.79 $13.97 $26.94

Life benefit amount: $25,000

Male                                                                         Female

Age Non-nicotine user Nicotine user Non-nicotine user Nicotine user
1-19 $4.05 $7.11 $2.78 $4.57
20-24 $4.12 $7.25 $2.85 $4.70
25-29 $4.29 $7.58 $2.99 $4.99
30-34 $4.74 $8.49 $3.39 $5.77
35-39 $5.51 $10.02
$4.05 $7.10
40-44 $6.78 $12.57 $5.22 $9.44
45-49 $9.23 $17.46 $7.19 $13.38
50-54 $13.18 $25.35 $10.37 $19.73
55-59 $19.30 $37.61 $15.14 $29.28
60-64 $30.82 $60.64 $22.62 $44.24

Life benefit amount: $50,000

Male                                                                         Female

Age Non-nicotine user Nicotine user Non-nicotine user Nicotine user
1-19 N/A N/A N/A N/A
20-24 $7.25 $13.50 $4.70 $8.39
25-29 $7.58 $14.17 $4.99 $8.97
30-34 $8.49 $15.98 $5.77 $10.54
35-39 $10.02 $19.04 $7.10 $13.21
40-44 $12.57 $24.14 $9.44 $17.87
45-49 $17.46 $33.91 $13.38 $25.75
50-54 $25.35 $49.70 $19.73 $38.46
55-59 $37.61 $74.22 $29.28 $57.55
60-64 $60.64 $120.29
$44.24 $87.48

Life benefit amount: $75,000

Male                                                                         Female

Age Non-nicotine user Nicotine user Non-nicotine user Nicotine user
1-19 N/A N/A N/A N/A
20-24 $10.37 $19.75 $6.55 $12.09
25-29 $10.88 $20.75 $6.98 $12.96
30-34 $12.23 $23.47 $8.16 $15.31
35-39 $14.53 $28.06 $10.16 $19.31
40-44 $18.35 $35.71 $13.65 $26.31
45-49 $25.68
$50.37 $19.56 $38.13
50-54 $37.53 $74.06 $29.10 $57.20
55-59 $55.91 $110.82 $43.41 $85.83
60-64 $90.46 $179.93 $65.86 $130.72

Life benefit amount: $100,000

Male                                                                         Female

Age Non-nicotine user Nicotine user Non-nicotine user Nicotine user
1-19 N/A N/A N/A N/A
20-24 $13.50 $25.99 $8.39 $15.79
25-29 $14.17 $27.34 $8.97 $16.95
30-34 $15.98 $30.95 $10.54 $20.08
35-39 $19.04 $37.07 $13.21 $25.42
40-44 $24.14 $47.28 $17.87 $34.74
45-49 $33.91 $66.83 $25.75 $50.50
50-54 $49.70 $98.41 $38.46 $75.93
55-59 $74.22
$147.43 $57.55 $114.10
60-64 $120.29 $239.57 $87.48 $173.96

Life premium amounts shown include a $1.00 monthly administrative fee.
Non-nicotine user is defined as no nicotine use, of any kind, within the last 12 months.

Monthly AD&D premiums by benefit amount

AD&D insurance may not be purchased without life insurance.

Accidental Death and Dismemberment

Age $10,000 $15,000 $25,000 $50,000 $75,000 $100,000
1-19 $1.00 $1.50 $2.50 N/A N/A N/A
20-64 $1.00 $1.50 $2.50 $5.00 $7.50 $10.00

* Within the first two years of the policy, if the insured dies because of suicide, no life insurance benefit will be paid; however, the premiums will be returned. Please refer to the policy for a complete description of this limitation.

† Life insurance coverage may be purchased without AD&D, but AD&D may only be purchased with life insurance coverage. Coverage is available to all individuals ages 1 to 64 with or without a Blue Shield health plan. Simply complete and submit the Application for Individual Term Life and AD&D Insurance Coverage to apply. All plans terminate at age 65.

‡ Those under age 20 are only eligible for $10,000, $15,000, and $25,000 coverage amounts.

Page last updated: 10/01/2024

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© California Physicians' Service DBA Blue Shield of California 1999-2024. All rights reserved. California Physicians’ Service DBA Blue Shield of California is an independent member of the Blue Shield Association. Health insurance products are offered by Blue Shield of California Life & Health Insurance Company. Health plans are offered by Blue Shield of California.

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