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Get the coverage you need.

Term life with AD&D insurance is offered to all eligible employees. Choose the benefit amount you need — up to your plan's maximum, for both.

Three reasons to buy this coverage at work — now

1. Once you buy coverage during the initial enrollment, you can add to it each year up to your plan's guarantee issue amount, without a medical exam or health questions.
2. You get affordable rates for you and your family. Premiums are conveniently deducted from your paycheck.
3. You can keep insurance coverage if you leave the company or retire, provided you aren't seriously ill. You're billed at home for your premium amount.
Benefits highlights you'll appreciate:
AD&D benefit — This is paid, in addition to the life benefit, if you or a covered dependent die in a covered accident. It also pays if you suffer a covered dismemberment.

 Accelerated (early) benefit — If you become terminally ill with less than 12 months to live, you have access to part or all of your life benefit early, up to your plan's maximum.

Life Planning Financial & Legal Resources — Financial planning and counseling are available to you or your family members at no extra cost if you are diagnosed with a terminal illness or die.

Seat belt benefit — Pays an additional benefit if you die in a covered private-passanger car accident while wearing a seat belt. An extra benefit is paid if the seat is protected by an airbag plus seat belt and your seat belt is properly fastened.

Education benefit — If you or your insured spouse dies within 365 days of a covered accident, this benefit can help pay for your unmarried children's ongoing college education.

Repatriation (bring you home) benefit — If you or your covered dependent(s) die in a covered accident more than 100 miles from home, this helps pay to prepare the body and send it to a mortuary.


Available family coverage
Who can have it? What's the benefit amount? How long can they keep it?
Spouse
Available with purchase of employee coverage; during initial enrollment, does not require a physical exam or health questions unless you request a benefit above the guarantee issue amount.
In increments specified by your plan design — up to 100% (or 50% in some states) of the employee benefit amount.
Your spouse can keep coverage as long as you keep yours, no matter where (or if) you work.
Child
Available with purchase of employee coverage for eligible dependent children, which may include stepchildren, legally adopted children and grandchildren, age birth through 26 years.
Birth to age 19 (or 26 if full-time student); $10,000 to $20,000 in $5,000 increments, up to 100% (or 50% in some states) of the employee benefit amount.
Ends when employee policy ends or when children turn 19 (or 26 if full-time students). At that time, children can purchase an individual policy, not to exceed the original children's benefit amount.

Portability is not available to employees and/or dependents who have a medical condition which has a material effect on life expectancy; these individuals may be eligible for conversion converage.

Life Planning Financial & Legal Resources is provided by Ceridian Corporation. The service is available with select Unum insurance offerings. Exclusions, limitations and prior notice requirements may apply, and service features, terms and eligibility criteria are subject to change. Ceridian Corporation is not engaged in rendering legal advice. Users should consult with their own attorneys. The services are not valid after termination of coverage and may be withdrawn at any time. Please contact your Unum representative for full details.

The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.

Underwritten by: Unum Life Insurance Company of America, Portland, Maine
In New York, underwritten by: First Unum Life Insurance Company, New York, New York

Unum complies with all state civil union and domestic partner laws when applicable.

EN-1083 (11-10)