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Employee Benefits Survey
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Life insurance plans: Fixed multiple of annual earnings benefit formulas

Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, civilian workers,1 March
2016
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Characteristics Multiple of annual earnings amounts2 Mean
multiple of
annual
earnings
Median
multiple of
annual
earnings
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Greater
than 2.0
times
earnings
All workers
[3]
61
10
24
4
1.4
1.0
Worker characteristics
             
Management, professional, and related
[3]
58
10
26
5
1.4
1.0
    Management, business, and financial
[3]
55
9
28
7
1.5
1.0
    Professional and related
[3]
60
11
25
5
1.4
1.0
        Teachers
50
19
27
1.4
            Primary, secondary, and special education
             school teachers
52
22
25
1.4
        Registered nurses
78
8
12
1.2
1.0
Service
69
8
20
1.3
1.0
    Protective service
61
19
7
1.4
1.0
Sales and office
[3]
62
10
23
4
1.4
1.0
    Sales and related
68
10
21
1.3
1.0
    Office and administrative support
[3]
60
11
24
5
1.4
1.0
Natural resources, construction, and maintenance
1
61
10
25
2
1.3
1.0
    Construction, extraction, farming, fishing, and
     forestry
59
16
23
2
1.3
1.0
    Installation, maintenance, and repair
1
62
8
26
2
1.3
1.0
Production, transportation, and material moving
59
13
25
1.4
1.0
    Transportation and material moving
65
15
19
1.3
1.0
Full time
[3]
60
10
25
4
1.4
1.0
Part time
73
6
18
1.2
1.0
Union
[3]
65
14
17
5
1.3
1.0
Nonunion
[3]
60
10
26
4
1.4
1.0
Average wage within the following categories:4
             
    Lowest 25 percent
69
7
21
1.3
1.0
        Lowest 10 percent
65
1.3
1.0
    Second 25 percent
[3]
66
11
20
3
1.3
1.0
    Third 25 percent
1
57
12
25
5
1.4
1.0
    Highest 25 percent
[3]
58
9
28
5
1.4
1.0
        Highest 10 percent
[3]
56
9
29
6
1.4
1.0
Establishment characteristics
             
Service-providing industries
[3]
63
10
23
4
1.4
1.0
    Education and health services
1
65
12
20
3
1.3
1.0
        Educational services
1
46
18
31
3
1.5
1.5
            Elementary and secondary schools
47
23
30
1
1.4
1.5
            Junior colleges, colleges, and universities
3
45
13
33
6
1.5
1.5
        Health care and social assistance
75
8
14
1.2
1.0
            Hospitals
77
9
14
1.2
1.0
    Public administration
56
19
19
1.4
1.0
1 to 99 workers
1
60
10
25
5
1.4
1.0
    1 to 49 workers
60
9
26
1.4
1.0
    50 to 99 workers
60
12
22
1.4
1.0
100 workers or more
[3]
61
11
24
4
1.4
1.0
    100 to 499 workers
61
9
24
1.4
1.0
    500 workers or more
1
61
12
25
3
1.3
1.0
Geographic areas
             
Northeast
1
57
16
23
4
1.4
1.0
    New England
62
17
19
1.3
1.0
    Middle Atlantic
1
55
15
25
4
1.4
1.0
South
[3]
61
8
26
4
1.4
1.0
    South Atlantic
1
62
8
25
4
1.4
1.0
    East South Central
56
8
32
1.4
    West South Central
62
9
26
1.4
1.0
Midwest
61
10
25
1.4
1.0
    East North Central
63
10
23
5
1.4
1.0
    West North Central
56
11
29
1.4
1.0
West
65
8
21
1.3
1.0
    Mountain
70
17
1.2
1.0
    Pacific
63
23
7
1.4
1.0
1Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See
Technical Note for further explanation.
2Includes participants in plans in which insurance equaled a multiple of earnings plus or minus a specified amount.
3Less than 0.5.
4Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using wage data for March 2016.

Note: Because of rounding, sums of individual items may not equal totals. Dash indicates no workers in this category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.