Your Wealth

Life and AD&D

Sometimes the unexpected happens—and if it does, we want you to be protected financially. These benefits are here to give you and your family financial security and peace of mind.

Crown Castle provides basic life insurance at no cost to you. You can purchase supplemental life and accidental death & dismemberment coverage at group rates on an after-tax basis.

Basic Life Direct Link

Your benefit is 2 times your base annual earnings, up to $750,000. This coverage complements other life insurance coverage you have; it does not replace it.

  • Basic Life and AD&D

    • Benefit Amount

      2x base annual earnings

    • Benefit Limits

      Maximum: $750,000

      Minimum: $100,000

Supplemental Life Direct Link

You also have the option to purchase supplemental life insurance for yourself. You can elect 1x to 5x your base annual earnings, up to the lesser of 5x your base annual earnings or $750,000. Supplemental life premiums are deducted on an after-tax basis.

  • Employee Supplemental Life

    • Benefit Amount

      Elect 1 to 5x base annual earnings rounded up to the next higher $10,000

    • Benefit Limits

      Maximum: Lesser of 5x base annual earnings or $750,000

    • Guaranteed Issue

      Lesser of 5x base annual earnings or $400,000

    • The guarantee issue amount for supplemental life insurance is the lesser of $400,000 or 5x your base annual earnings. If you elect coverage over the guarantee issue amount, or if you did not enroll in supplemental coverage when it was originally offered to you, you must complete an Evidence of Insurability (EOI) form. Prudential must review and approve your EOI form before the amount subject to EOI becomes effective.

Dependent Life Direct Link

If you enroll in Supplemental Employee Life coverage, you can also elect it for your dependent. Spouse coverage is available in increments of $25,000 up to $375,000. Guarantee issue amount is $50,000. Child coverage is available at $10,000.

Supplemental Life Employee and Spouse Rates Direct Link

Age Monthly Cost per $1,000
Under age of 30 $0.064
30-34 $0.08
35-39 $0.09
40-44 $0.104
45-49 $0.176
50-54 $0.288
55-59 $0.528
60-64 $0.816
65-69 $1.48
70+ $2.648

Children Dependent Life Rates Direct Link

Coverage Level Monthly Rate
$10,000 $1.12

Accidental Death and Dismemberment (AD&D) Direct Link

AD&D coverage is available for purchase at group rates. This coverage provides a benefit in the event of an accident that results in your death or dismemberment.

  • You can elect coverage for yourself in the amount equal to the amount for which you are insured under Supplemental Employee Life coverage.
  • This insurance is not payable for self-inflicted occurrences, nor for death in the course of a felony or act of war.
  • You pay 100% of the premium cost on an after-tax basis.

AD&D Rate Direct Link

AD&D Monthly Rate
Monthly Rate per $1,000 $0.02

Benefit Reductions Direct Link

Your basic and supplemental life benefits are reduced with age. For you and your spouse benefits reduce to 65% at age 65 and to 50% at age 70.