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Supplemental Group Term Life Insurance (SGTL)

The Supplemental Group Term Life Insurance (SGTL) protection plan is in addition to the basic life insurance. It is available at group rates for employees, their spouse, and dependent children. This benefit covers regardless of the cause of death, i.e. illness or accident. An employee can apply for up to six times the annual salary to a maximum of $1,000,000. For active employees, coverage begins to reduce at age 60. The employee's spouse can apply for a maximum of $200,000, and dependents can apply for $3,000, $5,000, or $10,000.

Premium Rates

Effective 6/5/2020

Active Employees and Spouses


(Spouse rates are determined by the spouse's age)

Age on April 1, 2020 Monthly Amount per $1,000 Coverage Age on April 1, 2020 Monthly Amount per $1,000 Coverage Age on April 1, 2020 Monthly Amount per $1,000 Coverage
Younger than 35 $.026 44 $.048 54 $.122
35 $.026 45 $.054 55 $.134
36 $.028 46 $.060 56 $.150
37 $.030 47 $.066 57 $.168
38 $.032 48 $.072 58 $.186
39 $.034 49 $.078 59 $.206
40 $.036 50 $.086 60 to 64 $.288
41 $.038 51 $.094 65 to 69 $.508
42 $.040 52 $.102 70 to 74 $.857
43 $.044 53 $.110 75 and older $1.456

Monthly premiums for eligible dependent children, regardless of number, of either active employees or retirees:

  • $.44 for $3,000 of coverage
  • $.96 for $7,500 of coverage
  • $1.74 for $15,000 of coverage

The above premium rates are subject to change at any time. Normally, premium rate changes are effective April 1.

Important Notes

You can change or apply for supplemental life insurance (SGTL) at any time. It is not constrained to the open enrollment period. At the time of enrollment (or increases in coverage) you will need to complete a health questionnaire for each individual. Furthermore, DMBA might contact you to schedule a nurse's visit in your home or office to obtain more health information and samples. Coverage does not go into effect until DMBA approves the application, which can take up to two months.

If a new employee applies for SGTL within 30 days of his/her hire date, there will be $3,000 of guaranteed coverage for the spouse and children even if they would not normally qualify for life insurance.

Changes in premium rates take effect every April 1st. For example, if your birthday is in June, you won't be charged your new premium rate until the following April.

For more information please see DMBA.com or contact our benefits specialist at (808) 675-3490 .