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Employee Benefits Survey
EBS EBS Program Links

Life insurance plans: Method of benefit payment

Table 18. Life insurance plans: Method of benefit payment, private industry workers,
March 2017
(All workers with basic life insurance coverage = 100 percent)
Characteristics Basic life insurance method of payment
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
All workers
62
2
34
2
1
Worker characteristics
         
Management, professional, and related
72
1
25
1
1
    Management, business, and financial
75
2
22
1
1
    Professional and related
70
1
27
1
[1]
Service
52
45
2
Sales and office
64
3
31
1
1
    Sales and related
60
4
33
2
1
    Office and administrative support
66
2
30
Natural resources, construction, and
 maintenance:
  Construction, extraction, farming, fishing, and
  forestry
22
[1]
75
3
Production, transportation, and material moving
53
1
42
3
1
    Transportation and material moving
54
2
41
Full time
62
2
34
2
1
Part time
49
44
5
Union
45
1
46
7
1
Nonunion
64
2
33
1
[1]
Average wage within the following categories:2
         
    Lowest 25 percent
46
1
50
2
[1]
        Lowest 10 percent
42
52
4
    Second 25 percent
58
2
39
1
[1]
    Third 25 percent
60
1
36
2
1
    Highest 25 percent
71
2
25
1
1
        Highest 10 percent
75
3
20
1
1
Establishment characteristics
         
Goods-producing industries:
      Construction
22
75
2
Service-providing industries
64
2
32
1
1
    Trade, transportation, and utilities
56
3
37
3
1
        Wholesale trade
55
4
36
4
2
        Retail trade
52
4
38
4
1
        Transportation and warehousing
61
38
        Utilities
78
4
18
    Financial activities
79
19
        Finance and insurance
82
16
            Credit intermediation and related activities
83
15
            Insurance carriers and related activities
82
1
16
        Real estate and rental and leasing
61
39
    Professional and business services
64
3
33
        Professional and technical services
62
35
    Education and health services
67
30
2
        Educational services
63
34
1
            Junior colleges, colleges, and universities
71
25
2
        Health care and social assistance
68
29
2
    Leisure and hospitality
46
54
        Accommodation and food services
42
58
1 to 99 workers
50
1
47
2
1
    1 to 49 workers
50
1
47
1
1
    50 to 99 workers
50
46
2
100 workers or more
69
2
26
2
1
    100 to 499 workers
62
3
32
2
1
    500 workers or more
78
1
19
2
[1]
Geographic areas
         
Northeast
69
26
2
    Middle Atlantic
68
27
3
South
63
2
34
1
1
    South Atlantic
67
2
29
1
1
    East South Central
55
37
    West South Central
59
39
1
Midwest
58
1
38
3
1
    East North Central
57
39
2
West
57
2
40
    Mountain
59
2
39
[1]
    Pacific
56
40
2
1Less than 0.5.
2Surveyed 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.