Spe Insurance Program

Spe Insurance Program – insurance plans and supplemental services for association members

SPE Group Insurance Program

Current Group 10-Year Level Term Life Insurance Contribution Tables

Premium Information

Insurance Amounts $100,000-$249,000

The cost of this life insurance is based upon the member and spouse’s gender*, amount of insurance requested, usage of tobacco/nicotine products, health status, and attained age on the date coverage is issued.

Coverage issued in multiples of $10,000

Current Annual Contribution Per $1,000 of Benefit Amount as of 2025

MALE

FEMALE

Issue Age

Preferred

Select

Standard

Preferred

Select

Standard

20

 0.76 0.86 2.09 0.68 0.78 1.78

21

 0.76 0.86 2.09 0.68 0.78 1.78

22

 0.76 0.86 2.09 0.68 0.78 1.78

23

 0.76 0.86 2.09 0.68 0.78 1.78

24

 0.76 0.86 2.10 0.68 0.78 1.78

25

 0.76 0.86 2.10 0.68 0.78 1.78

26

 0.76 0.86 2.11 0.68 0.78 1.78

27

 0.76 0.86 2.11 0.68 0.78 1.78

28

 0.76 0.86 2.12 0.68 0.78 1.79

29

 0.76 0.86 2.15 0.68 0.78 1.79

30

 0.76 0.86 2.16 0.68 0.78 1.83

31

 0.76 0.86 2.16 0.68 0.78 1.83

32

 0.76 0.86 2.16 0.68 0.78 1.83

33

 0.76 0.86 2.16 0.68 0.78 1.83

34

 0.76 0.86 2.16 0.68 0.78 1.83

35

 0.76 0.86 2.22 0.68 0.78 1.86

36

 0.77 0.89 2.32 0.69 0.80 1.95

37

 0.79 0.92 2.46 0.74 0.84 2.09

38

 0.84 0.96 2.62 0.77 0.88 2.26

39

 0.88 1.01 2.84 0.80 0.94 2.46

40

 0.92 1.07 3.06 0.85 0.98 2.64

41

 0.97 1.13 3.34 0.90 1.06 2.84

42

 1.03 1.22 3.67 0.96 1.12 3.04

43

 1.10 1.30 4.05 1.03 1.21 3.28

44

 1.17 1.41 4.46 1.10 1.29 3.51

45

 1.28 1.52 4.87 1.16 1.38 3.77

46

 1.39 1.64 5.36 1.23 1.44 4.05

47

 1.51 1.78 5.87 1.29 1.53 4.35

48

 1.62 1.94 6.42 1.35 1.62 4.66

49

 1.77 2.10 7.00 1.43 1.71 4.98

50

 1.93 2.30 7.57 1.52 1.83 5.31

51

 2.09 2.50 8.13 1.62 1.93 5.65

52

 2.24 2.71 8.67 1.74 2.05 6.01

53

 2.42 2.95 9.24 1.86 2.17 6.37

54

 2.64 3.20 9.88 1.99 2.31 6.74

55

 2.85 3.49 10.62 2.12 2.48 7.13

56

 3.10 3.78 11.44 2.24 2.64 7.47

57

 3.34 4.10 12.31 2.38 2.81 7.80

58

 3.65 4.46 13.30 2.50 3.01 8.15

59

 3.99 4.86 14.47 2.66 3.22 8.60

60

 4.39 5.36 15.82 2.86 3.50 9.20

61

 4.84 5.91 17.30 3.12 3.82 9.96

62

 5.32 6.56 18.91 3.42 4.16 10.87

63

 5.90 7.28 20.80 3.77 4.58 11.91

64

 6.57 8.11 23.11 4.16 5.02 13.08

All eligible children: $5,000 for $6.00 annually

*Male rates apply to all Montana residents, regardless of a person's sex.

The premium contributions shown above reflect the current rate and benefit structure for an initial 10-year term. Premiums are guaranteed to remain level for the first 10 years of coverage. Then, if still eligible, you may reapply for the 10-year level rates in effect for a subsequent 10-year term; rates for the subsequent term would be determined based on your then current age, health, and smoking status and guaranteed for 10 years. If you are not approved for a subsequent 10-year term of guaranteed rates, or do not apply for a subsequent 10-year term, coverage will continue in force on a non-guaranteed rate basis with increasing premiums as the insured ages.

Premiums will be billed semi-annually June 1 and December 1. A $2.00 administrative charge is added for the convenience of semi-annual billing. Premiums may be paid annually to eliminate the $2.00 charge.

Insurance Amounts $250,000-$499,000

The cost of this life insurance is based upon the member and spouse’s gender*, amount of insurance requested, usage of tobacco/nicotine products, health status, and attained age on the date coverage is issued.

Coverage issued in multiples of $10,000

Current Annual Contribution Per $1,000 of Benefit Amount as of 2025

MALE

FEMALE

Issue Age

Preferred

Select

Standard

Preferred

Select

Standard

20

0.51

0.61

1.82

0.44

0.53

1.53

21

0.51

0.61

1.82

0.44

0.53

1.53

22

0.51

0.61

1.82

0.44

0.53

1.53

23

0.51

0.61

1.82

0.44

0.53

1.53

24

0.51

0.61

1.84

0.44

0.53

1.53

25

0.51

0.61

1.84

0.44

0.53

1.53

26

0.51

0.61

1.85

0.44

0.53

1.53

27

0.51

0.61

1.85

0.44

0.53

1.53

28

0.51

0.61

1.86

0.44

0.53

1.54

29

0.51

0.61

1.87

0.44

0.53

1.54

30

0.51

0.61

1.89

0.44

0.53

1.55

31

0.51

0.61

1.89

0.44

0.53

1.55

32

0.51

0.61

1.89

0.44

0.53

1.55

33

0.51

0.61

1.89

0.44

0.53

1.55

34

0.51

0.61

1.89

0.44

0.53

1.55

35

0.51

0.61

1.96

0.44

0.53

1.60

36

0.52

0.64

2.05

0.45

0.56

1.68

37

0.53

0.66

2.18

0.47

0.58

1.82

38

0.56

0.70

2.34

0.52

0.63

1.99

39

0.58

0.76

2.55

0.56

0.67

2.18

40

0.63

0.81

2.78

0.59

0.73

2.35

41

0.67

0.88

3.06

0.65

0.79

2.55

42

0.76

0.96

3.38

0.70

0.86

2.75

43

0.84

1.03

3.74

0.77

0.95

2.98

44

0.91

1.14

4.14

0.84

1.02

3.22

45

1.01

1.24

4.55

0.90

1.10

3.48

46

1.10

1.36

5.02

0.97

1.18

3.74

47

1.20

1.52

5.53

1.02

1.27

4.03

48

1.29

1.66

6.06

1.09

1.35

4.33

49

1.41

1.82

6.62

1.16

1.43

4.65

50

1.54

2.00

7.18

1.23

1.54

4.97

51

1.71

2.21

7.73

1.33

1.65

5.30

52

1.89

2.42

8.26

1.45

1.77

5.65

53

2.09

2.64

8.82

1.56

1.89

6.02

54

2.31

2.89

9.46

1.71

2.04

6.37

55

2.55

3.18

10.16

1.84

2.18

6.75

56

2.79

3.48

10.97

1.96

2.34

7.10

57

3.05

3.75

11.83

2.07

2.51

7.41

58

3.33

4.11

12.80

2.21

2.72

7.76

59

3.67

4.51

13.94

2.37

2.93

8.20

60

4.06

4.98

15.27

2.56

3.15

8.78

61

4.51

5.54

16.71

2.83

3.50

9.53

62

5.03

6.20

18.28

3.14

3.84

10.42

63

5.60

6.92

20.13

3.50

4.25

11.43

64

6.25

7.74

22.44

3.87

4.66

12.57

All eligible children: $5,000 for $6.00 annually

*Male rates apply to all Montana residents, regardless of a person's sex.

The premium contributions shown above reflect the current rate and benefit structure for an initial 10-year term. Premiums are guaranteed to remain level for the first 10 years of coverage. Then, if still eligible, you may reapply for the 10-year level rates in effect for a subsequent 10-year term; rates for the subsequent term would be determined based on your then current age, health, and smoking status and guaranteed for 10 years. If you are not approved for a subsequent 10-year term of guaranteed rates, or do not apply for a subsequent 10-year term, coverage will continue in force on a non-guaranteed rate basis with increasing premiums as the insured ages.

Premiums will be billed semi-annually June 1 and December 1. A $2.00 administrative charge is added for the convenience of semi-annual billing. Premiums may be paid annually to eliminate the $2.00 charge.

Insurance Amounts $500,000-$1,000,000

The cost of this life insurance is based upon the member and spouse’s gender*, amount of insurance requested, usage of tobacco/nicotine products, health status, and attained age on the date coverage is issued.

Coverage issued in multiples of $10,000

Current Annual Contribution Per $1,000 of Benefit Amount as of 2025

MALE

FEMALE

Issue Age

Preferred

Select

Standard

Preferred

Select

Standard

20

0.45

0.56

1.75

0.39

0.48

1.46

21

0.45

0.56

1.75

0.39

0.48

1.46

22

0.45

0.56

1.75

0.39

0.48

1.46

23

0.45

0.56

1.75

0.39

0.48

1.46

24

0.45

0.56

1.76

0.39

0.48

1.46

25

0.45

0.56

1.76

0.39

0.48

1.46

26

0.45

0.56

1.77

0.39

0.48

1.46

27

0.45

0.56

1.77

0.39

0.48

1.46

28

0.45

0.56

1.79

0.39

0.48

1.47

29

0.45

0.56

1.80

0.39

0.48

1.47

30

0.45

0.56

1.82

0.39

0.48

1.49

31

0.45

0.56

1.82

0.39

0.48

1.49

32

0.45

0.56

1.82

0.39

0.48

1.49

33

0.45

0.56

1.82

0.39

0.48

1.49

34

0.45

0.56

1.82

0.39

0.48

1.49

35

0.45

0.56

1.88

0.39

0.48

1.53

36

0.46

0.58

1.97

0.40

0.51

1.62

37

0.48

0.61

2.10

0.43

0.53

1.75

38

0.51

0.65

2.26

0.46

0.57

1.91

39

0.53

0.70

2.46

0.51

0.63

2.10

40

0.57

0.76

2.70

0.54

0.67

2.28

41

0.63

0.81

2.92

0.59

0.74

2.46

42

0.70

0.90

3.28

0.65

0.80

2.66

43

0.78

0.98

3.63

0.72

0.88

2.88

44

0.86

1.08

4.03

0.78

0.97

3.12

45

0.95

1.19

4.43

0.85

1.05

3.38

46

1.05

1.30

4.90

0.91

1.12

3.63

47

1.13

1.45

5.40

0.97

1.20

3.92

48

1.22

1.60

5.93

1.02

1.29

4.22

49

1.34

1.75

6.48

1.09

1.36

4.53

50

1.47

1.94

7.03

1.18

1.47

4.85

51

1.63

2.12

7.56

1.27

1.57

5.18

52

1.82

2.33

8.09

1.39

1.69

5.52

53

2.01

2.56

8.64

1.50

1.82

5.87

54

2.23

2.81

9.25

1.63

1.96

6.23

55

2.46

3.08

9.96

1.76

2.10

6.60

56

2.71

3.38

10.74

1.88

2.26

6.93

57

2.95

3.64

11.59

2.00

2.43

7.25

58

3.25

4.00

12.55

2.12

2.63

7.59

59

3.56

4.39

13.66

2.29

2.84

8.02

60

3.95

4.86

14.97

2.49

3.06

8.59

61

4.39

5.41

16.40

2.74

3.40

9.33

62

4.91

6.05

17.94

3.05

3.74

10.21

63

5.47

6.77

19.76

3.40

4.14

11.20

64

6.11

7.57

22.02

3.76

4.55

12.32

All eligible children: $5,000 for $6.00 annually

*Male rates apply to all Montana residents, regardless of a person's sex.

The premium contributions shown above reflect the current rate and benefit structure for an initial 10-year term. Premiums are guaranteed to remain level for the first 10 years of coverage. Then, if still eligible, you may reapply for the 10-year level rates in effect for a subsequent 10-year term; rates for the subsequent term would be determined based on your then current age, health, and smoking status and guaranteed for 10 years. If you are not approved for a subsequent 10-year term of guaranteed rates, or do not apply for a subsequent 10-year term, coverage will continue in force on a non-guaranteed rate basis with increasing premiums as the insured ages.

Premiums will be billed semi-annually June 1 and December 1. A $2.00 administrative charge is added for the convenience of semi-annual billing. Premiums may be paid annually to eliminate the $2.00 charge.