Life and AD&D Insurance
Financial protection for you and your loved ones - provided by Mutual of Omaha.
Life and AD&D Insurance
Coverage at a Glance
Basic Life & AD&D is fully paid by C&S Chemicals. Voluntary options let you add extra protection for yourself and your family.
| Coverage | Benefit Amount | Cost | Guarantee Issue |
|---|---|---|---|
| Basic Life | $50,000 | $0 - fully employer paid | No |
| Basic AD&D | $50,000 | $0 - fully employer paid | No |
| Voluntary Employee Life | Increments of $10,000 up to $500,000 (5x salary) | Employee paid | Over $150,000 |
| Voluntary Spouse Life | Increments of $5,000 up to $250,000 | Employee paid | Over $50,000 |
| Voluntary Child Life | Up to $10,000 (to age 26) | Employee paid | No |
Basic Life
Benefit Amount$50,000
Cost$0 - fully employer paid
Guarantee IssueNo
Basic AD&D
Benefit Amount$50,000
Cost$0 - fully employer paid
Guarantee IssueNo
Voluntary Employee Life
Benefit AmountIncrements of $10,000 up to $500,000 (5x salary)
CostEmployee paid
Guarantee IssueOver $150,000
Voluntary Spouse Life
Benefit AmountIncrements of $5,000 up to $250,000
CostEmployee paid
Guarantee IssueOver $50,000
Voluntary Child Life
Benefit AmountUp to $10,000 (to age 26)
CostEmployee paid
Guarantee IssueNo
Voluntary Life Monthly Rates
Employee & Spouse rates per $1,000 of coverage. Spouse rate is based on employee age as of 1/1/2026.
| Age Band | Rate per $1,000 |
|---|---|
| <30 | $0.07 |
| 30-34 | $0.08 |
| 35-39 | $0.10 |
| 40-44 | $0.16 |
| 45-49 | $0.26 |
| 50-54 | $0.43 |
| 55-59 | $0.68 |
| 60-64 | $1.06 |
| 65-69 | $1.90 |
| 70-74 | $3.61 |
| 75-79 | $5.95 |
| 80+ | $12.05 |
<30
Rate per $1,000$0.07
30-34
Rate per $1,000$0.08
35-39
Rate per $1,000$0.10
40-44
Rate per $1,000$0.16
45-49
Rate per $1,000$0.26
50-54
Rate per $1,000$0.43
55-59
Rate per $1,000$0.68
60-64
Rate per $1,000$1.06
65-69
Rate per $1,000$1.90
70-74
Rate per $1,000$3.61
75-79
Rate per $1,000$5.95
80+
Rate per $1,000$12.05
Child Life & AD&D Rates
| Coverage | Rate |
|---|---|
| Child Life | $0.16 per $1,000 |
| Employee AD&D | $0.04 per $1,000 |
| Spouse AD&D | $0.04 per $1,000 |
| Child AD&D | $0.04 per $1,000 |
Child Life
Rate$0.16 per $1,000
Employee AD&D
Rate$0.04 per $1,000
Spouse AD&D
Rate$0.04 per $1,000
Child AD&D
Rate$0.04 per $1,000
Mutual of Omaha - Life/AD&D