Life Insurance

Bath & Body Works provides Life insurance for you and your dependents to provide the financial protection you need if you or they die.

Designate a Beneficiary

Be sure to designate a beneficiary for your life insurance benefits and review them each year to be sure they’re up to date. Note: You can name one or more beneficiaries for your life insurance.

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Basic Term Life Insurance

All full-time benefits-eligible associates are provided at no cost, basic term life insurance at one times your annual base salary through MetLife.* Part-time benefits-eligible associates are eligible for $10,000 of basic term life insurance at no cost.**

We automatically enroll you whether or not you enroll in the medical or dental plan. So, for example, if you enroll in your spouse’s medical plan, you’ll still have life insurance provided and paid for by Bath & Body Works.

*The maximum coverage amount is $2 million.
**If you were a full-time benefits-eligible associate enrolled in the medical plan on December 31, 2005, your Basic Term Life insurance coverage amount will continue to be two times your December 31, 2005 annual base salary (legacy) until which point one times your current annual base salary becomes equal to or greater than your legacy coverage amount. If you leave the company for any reason and return after 30 days, you will lose your legacy status. Vice Presidents and above receive basic life insurance equal to two times annual base salary.

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Optional Life Insurance (Full Time)

If you want to increase your total life insurance coverage beyond the basic term life insurance coverage that is provided, you may choose and pay for optional life insurance coverage through MetLife. You’ll also have the option to purchase life insurance for your spouse, civil union or domestic partner and/or dependents.

All full-time, benefits-eligible associates may purchase from one to six times their annual base salary, up to $3 million. This coverage is offered through MetLife at the Bath & Body Works group rate, in most cases this is below what you could purchase on an individual basis.

The optional life insurance rates are based on your age and your annual base salary. Rates and coverage amounts will automatically adjust during the year as you receive pay increases.

You will be guaranteed coverage up to three times your annual base salary at the highest multiple of your annual base salary that does not exceed $750,000. Any coverage you elect above these amounts will require Evidence of Insurability (EOI) prior to being granted. Evidence of insurability = proof of good health.

Sometimes when you select additional life insurance coverage, MetLife will want to verify whether or not you qualify for the new level of coverage. In this case, they will send you a health questionnaire, referred to as Evidence of Insurability (EOI) or Statement of Health. This will need to be completed and returned to MetLife. MetLife will review the statement and respond to you in writing to confirm or deny coverage based on the information you provide. Until you receive confirmation from MetLife, you will be covered at the maximum guaranteed issue amount (amount that does not require EOI). The confirmation will state the date as of which the higher level of coverage will be effective, and your life insurance premiums will increase. However, if you are not actively at work on the date an increase in optional life insurance coverage would be effective, the increase in coverage will be postponed until you return to work.

  • Basic Term Life: $2 million
  • Optional Life: $3 million
  • Combined Maximum (Basic Term Life and Optional Life): 7 x annual base salary

If you would like to purchase optional life insurance for yourself, please refer to the Rate Calculation Chart below. To calculate your cost per pay after tax, divide the dollar amount of coverage you would like to purchase by 1,000 and multiply by the rate associated with your age range.

Rate Calculation Chart

Associate AgeBiweekly Rate Per $1,000 of Coverage
Under 25$0.014770
25 - 29$0.017080
30 - 34$0.023540
35 - 39$0.026310
40 - 44$0.028620
45 - 49$0.043850
50 - 54$0.066920
55 - 59$0.124150
60 - 64$0.190620
65 - 69$0.366920
70 and above$0.594920

No Evidence of Insurability Required During Open Enrollment!

If you are enrolling in Optional Life Insurance during Open Enrollment, you will be able to enroll for up to the guaranteed issue amount of Optional Life Insurance for yourself (up to the lesser of 3x your annual salary or $500,000) and Optional Spouse/Domestic Partner Life Insurance (up to $20,000) without providing Evidence of Insurability (EOI).

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Optional Dependent Life Insurance

You can purchase life insurance for your spouse/domestic partner or child(ren) starting from birth through age 25 in the following amounts:

Spouse/Domestic PartnerChildren
(Birth through age 25)
Coverage Amount Choice$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
$70,000
$80,000
$90,000
$100,000		$5,000
$10,000
The coverage amount you choose covers each eligible child for the full dollar amount.
Evidence of Insurability (EOI)$10,000 - $20,000 – no EOI required
$30,000 - $100,000 – EOI required		Not required
Termination of CoverageAt termination of employment, divorce or termination of the domestic partnership. See the Continuing Life Insurance section below.At termination of employment or the child reaches age 26. See the Continuing Life Insurance section below.

If you would like to purchase spouse/domestic partner optional life insurance coverage, please use the rate calculation table below. To calculate your cost in each paycheck after tax, take the rate associated with your spouse’s age and multiply by the dollar amount of coverage you would like to purchase.

Rate Calculation Chart

Spouse/Domestic Partner AgeBiweekly Rate Per $1,000 of Coverage
Under 25$0.027230
25 - 29$0.032770
30 - 34$0.043380
35 - 39$0.048920
40 - 44$0.054460
45 - 49$0.086770
50 - 54$0.165230
55 - 59$0.270000
60 - 64$0.499380
65 - 69$0.853380
70 - 74$1.272920
75 - 79$2.091230
80 and above$3.327230

You can name one or more beneficiaries to your term life insurance benefits at any time. To designate or change a beneficiary, log on to HR Access at hraccess.bbwcorp.com or contact Associate Connect (formerly HR Direct) at 866.473.4728. If no beneficiary exists at the time of your death, your life insurance benefits may be paid to one or more of the following who survive you: your estate, your spouse/domestic partner, your child(ren), your parent(s) or your sibling(s).

If you leave the company, (or lose coverage for a certain reason) but still want life insurance coverage, there is a conversion option or a portability feature that will allow you to continue your basic term life and associate/dependent optional life insurance. Contact Associate Connect (formerly HR Direct) for more information regarding the life insurance conversion and portability options.

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Want to understand your benefits?

Review the Resources page to learn more.

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