You actually get a little more than 500K. I've got 520,000 that is paid for by Delta, an additional 500k through Delta, and another 500K through ALPA. I shopped around alot when looking for supplemental stuff and found that the Delta supplemental through MetLife was the cheapest and ALPA was the second cheapest so that is what I did. Both policies are term so obviously they get more expensive each year. All said you can get 1.5 million in term for around $40/mo if your around 35-40. I think you can get an additional 1.5 million through delta and up to 3 million through ALPA.