Supplemental Life and AD&D home Voluntary VOLUNTARY SUPPLEMENTAL LIFE AND AD&D Employees may choose to purchase additional life insurance through Colonial Life for themselves, their spouse, and their dependents. Employee Coverage Supplemental Life and AD&D - Purchase up to $500,000 in increments of $10,000, not to exceed 5x earnings. Guaranteed issue is $100,000 when you are initially eligible Spouse Coverage Supplemental Life and AD&D - Purchase up to $500,000 in $5,000 increments, not to exceed 100% of employee supplemental life coverage. Guaranteed issue is $25,000 when you are initially eligible Dependent Child Coverage Up to $10,000 in increments of $1,000. Guaranteed issue is 100% of election