Voluntary Life Insurance

Voluntary Life Insurance


This insurance is in addition to the $30,000 policy provided to all benefit eligible employees.

During Open Enrollment, employees who already have this benefit can increase their coverage, but they must complete an Evidence of Insurability Form.

All employees should keep an eye out for an email from SYMETRA. The message will contain employee log-in information and a link to their online enrollment platform.

How to Enroll

To elect for the first time, or to make a change:

Visit Symetra - https://www.bentegrity-online.com/CES

Detailed Enrollment Instructions

If you presently have this benefit, be sure to confirm it is listed in SYMETRA's system.


Learn More about Voluntary Life Insurance

Why do I need additional insurance?

To replace income lost if something happens to you - providing money to your survivors is important, and life insurance is the most cost effective way to do it. The benefit can be used to pay off debt, pay for final expenses or fund a child’s education.

How much can I elect?

  • Employee - Increments of $10,000 to a maximum of $300,000 of Supplemental Life coverage.
  • Spouse - Increments of $10,000 to a maximum of $50,000 of Supplemental Life coverage. Evidence of Insurability is required for Spouse Supplemental Life Insurance amounts in excess of $50,000.
  • Child(ren) - For children ages Live Birth to age 26, $10,000 of Supplemental Life coverage.


Voluntary Life Insurance Cost Information

Coverage is available in $10,000 increments for employees and dependents. Premiums are based on the coverage amount you elect and your age. Premiums will be paid through the convenience of payroll-deduction.

Premiums are based on the employee’s age. The monthly rate per $1,000 of coverage is based on your age band.

Voluntary Life Insurance Rate Chart

Dependent children, up to age 26, may be covered for $10,000; one charge regardless of the number of eligible dependents. The cost of this coverage is $0.60/month.

Is there anything else I should know about this coverage?

The plan includes a Waiver of Premium benefit: if you become disabled prior to age 65 premiums are waived.

The plan is portable. You may be eligible to take the coverage with you if you employment ends.

Important Notice: When a participant moves from one age category to the next (e.g. 49 to 50), rates change to reflect the different category as of the following July 1.

For more information, contact: 
413.586.4900 x5923 or x5925