Step One
Choose the amount of coverage you want.

Example
Jane wants to know what it would cost if she chooses coverage equal to $80,000 for herself only or for herself and her family.

Step Two
Divide the amount of your total coverage ("your principal amount") by $10,000.

$80,000 ÷ $10,000 = 8

Step Three
Multiply the result by the appropriate rate:
  

• $0.17 if you have coverage for yourself only

8 x $0.17 = $1.36
Jane will pay $1.36 per month for coverage for herself.

• $0.28 if you have coverage for yourself and your family

8 x $0.28 = $2.24
Jane will pay $2.24 per month for family coverage.

Once you reach age 70, you cannot increase coverage and the elected coverage is available in reduced amounts.

The reduction factors are:

Age	% of reduction
70-74	65
75-79	45
80-84	30
85 and over	15

The reduction will take place at the end of the calendar year in which the limiting age is attained.

Principal Amount

Cost of
Individual Coverage
(yourself only)

Cost of
Family Coverage
(yourself and your family)