Life and Accidental Death & Dismemberment (AD&D)

Basic Life and Accidental Death and Dismemberment (AD&D)

VMware provides Basic Life and Accidental Death and Dismemberment (AD&D) Insurance, through CIGNA, to help protect you and your loved ones, at no cost to you. All regular full-time employees are automatically covered for two times your annual salary to a maximum $1,000,000 each for Basic Life Insurance and for Accidental Death and Dismemberment Insurance.  Sales employees are automatically covered for two times your on-target earnings up to a maximum of $1,000,000. Benefits for Life and AD&D are reduced to 65% at age 70 and to 50% at age 75. AD&D pays an additional benefit (two times your annual base salary to a maximum benefit of $1,000,000) to your beneficiary if you die, or pays a benefit to you if you suffer an injury due to a covered accident.

Supplemental Life Insurance

You can purchase additional Life Insurance coverage for yourself, your spouse/domestic partner, and your dependent children. Supplemental Life Insurance premiums are taken from your paycheck on an after-tax basis.

You may purchase Supplemental Life Insurance for yourself up to a maximum of $1,500,000 or five times your basic annual earnings (whichever is less) in $10,000 increments. You must provide evidence of good health if you apply for Supplemental Life Insurance greater than $500,000.

You may purchase Supplemental Life Insurance for your spouse or domestic partner in $5,000 increments. You must provide evidence of good health if you apply for Life Insurance for your dependent spouse or domestic partner greater than $100,000. The amount of spousal coverage is limited to the lesser of $250,000 or 50% of your Supplemental Life Insurance for yourself.

The monthly cost of coverage for you and your spouse/domestic partner is based on age:

2017 Employee and Spouse/Domestic Partner Supplemental Life Insurance per $1,000 of Coverage

Age Monthly Premium
Under 30 $0.075
30 – 34 $0.108
35 – 39 $0.148
40 – 44 $0.181
45 – 49 $0.280
50 – 54 $0.503
55 – 59 $0.965
60 – 64 $1.260
65 – 69 $2.330
70+ $3.780

You may purchase Supplemental Life Insurance for your dependent children in increments of $1,000, $2,000, $5,000 or $10,000. Evidence of good health is not required for dependent children.

2017 Child(ren) Supplemental Life Insurance Coverage

Option Monthly Premium
$ 1,000 $0.198
$ 2,000 $0.396
$ 5,000 $0.990
$10,000 $1.98

How Much Life Insurance Do You Need?

Many factors can go into determining the amount of life insurance that you need. A simple rule of thumb is that you should leave about 70% of current income to the surviving family. The presumption being that the insured breadwinner uses about 30% of family income for himself / herself.

For additional resources to help you estimate how much life insurance you need, check out CIGNA’s Life Insurance Needs CalculatorThe Life Insurance Needs Calculator is simple, quick and will give you a ballpark idea of how much coverage you may need. Before you start, you’ll want to have the following documents handy:

  • Any life insurance policies you already have
  • Receipts for dependent-care expenses
  • Your most recent income-tax form
  • Your credit card billing statements
  • Your checkbook ledger

For more information on Basic Life, AD&D or Supplemental Life Insurance, see the Basic Life CertificateAD&D Certificate or the Supplemental Life Certificate.

Contact Us

AD&D Conversion
Phone: 1-800-441-1832

Basic Life and AD&D Claims
Phone: 1-800-362-4462

Basic Life and Supplemental Life Conversion
Phone: 1-800-423-1282
Visit website

Benefit Center
Phone 1-888-VMWARE8, option ‘US Benefits’


AD&D 2016 Documents
AD&D Certificate 2017
AD&D Overview 2017
Basic Life 2016 Documents
Basic Life Certificate 2017
Basic Life Overview 2017
Supplemental Life 2016 Documents
Supplemental Life Certificate 2017
Supplemental Life Change Form
Supplemental Life Overview 2017
Life Insurance Needs Calculator
Life Insurance New Hire Benefit Byte Video [VMware network access required]