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Employee Benefits Survey
EBS EBS Program Links

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
2017
(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
5
1.4
1.0
Worker characteristics
             
Management, professional, and related
[3]
58
10
25
6
1.4
1.0
    Management, business, and financial
[3]
56
9
28
7
1.5
1.0
    Professional and related
[3]
60
11
24
5
1.4
1.0
        Teachers
50
21
23
1.5
            Primary, secondary, and special education
             school teachers
53
24
20
1.4
1.0
        Registered nurses
79
8
12
1.2
1.0
Service
69
8
19
1.3
1.0
    Protective service
59
19
8
1.4
1.0
Sales and office
[3]
62
10
22
4
1.4
1.0
    Sales and related
67
11
20
1.3
1.0
    Office and administrative support
[3]
61
10
23
6
1.4
1.0
Natural resources, construction, and maintenance
1
63
8
24
3
1.3
1.0
    Construction, extraction, farming, fishing, and
     forestry
64
21
2
1.3
1.0
    Installation, maintenance, and repair
1
63
7
26
3
1.3
1.0
Production, transportation, and material moving
61
11
24
1.4
1.0
    Transportation and material moving
67
14
16
1.2
1.0
Full time
[3]
61
10
24
5
1.4
1.0
Part time
71
6
21
1.3
1.0
Union
62
13
18
1.4
1.0
Nonunion
[3]
61
10
24
4
1.4
1.0
Average wage within the following categories:4
             
    Lowest 25 percent
70
9
19
1.3
1.0
        Lowest 10 percent
69
8
1.3
1.0
    Second 25 percent
1
66
9
19
4
1.3
1.0
    Third 25 percent
1
57
12
25
5
1.4
1.0
    Highest 25 percent
[3]
58
9
27
5
1.4
1.0
        Highest 10 percent
[3]
56
9
29
6
1.5
1.0
Establishment characteristics
             
Service-providing industries
1
63
10
22
4
1.4
1.0
    Education and health services
1
66
12
18
4
1.3
1.0
        Educational services
1
47
20
26
6
1.5
1.3
            Elementary and secondary schools
49
23
25
4
1.4
1.3
            Junior colleges, colleges, and universities
3
44
17
28
8
1.5
1.5
        Health care and social assistance
74
9
14
1.2
1.0
            Hospitals
76
9
13
1.2
1.0
    Public administration
53
18
24
6
1.4
1.0
1 to 99 workers
1
61
10
23
4
1.4
1.0
    1 to 49 workers
1
62
9
25
4
1.4
1.0
    50 to 99 workers
60
13
21
1.3
1.0
100 workers or more
[3]
61
10
24
5
1.4
1.0
    100 to 499 workers
60
10
24
1.4
1.0
    500 workers or more
[3]
62
11
24
4
1.3
1.0
Geographic areas
             
Northeast
1
57
15
23
4
1.4
1.0
    Middle Atlantic
1
56
15
24
4
1.4
1.0
South
1
62
8
25
4
1.4
1.0
    South Atlantic
1
61
8
24
5
1.4
1.0
    East South Central
63
24
1.4
1.0
    West South Central
63
7
26
1.4
1.0
Midwest
60
10
25
1.4
1.0
    East North Central
60
10
24
5
1.4
1.0
    West North Central
61
11
25
1.4
1.0
West
64
9
21
1.4
1.0
    Mountain
69
18
2
1.3
1.0
    Pacific
61
7
23
1.4
1.0
1Includes workers in private industry and state and local 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 2017.

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/glossary20162017.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.