Life Insurance - 1 times basic annual earnings - maximum $45,000

                      - equal amount of AD&D

                      - benefits reduce at age 65 

Dependent Life - Spouse $1,500

                        - Children:     - Age 14 days to six months - $400

                        - Six months to age 19 - $800

                        - Age 19 to 23 (if student) - $800