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.

Prudential
- (800) 860-1409
- www.prudential.com/mybenefits
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.
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Basic Life and AD&D
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Benefit Amount
2x base annual earnings
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Benefit Limits
Maximum: $750,000
Minimum: $100,000
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Supplemental Life Direct Link
You also have the option to purchase supplemental life insurance for yourself. You can elect 1x to 8x your base annual earnings, up to the lesser of 8x your base annual earnings or $750,000. Guarantee issue amount is $500,000. Supplemental life premiums are deducted on an after-tax basis.
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Employee Supplemental Life
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Benefit Amount
Elect 1 to 8x base annual earnings rounded up to the next higher $10,000
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Benefit Limits
Maximum: Lesser of 8x base annual earnings or $750,000
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Guaranteed Issue
Lesser of 8x base annual earnings or $500,000
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The guarantee issue amount for supplemental life insurance is the lesser of $500,000 or 8x 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.
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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 |
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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 |
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$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 |
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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.