| Welcome |
to the site created
specifically for
The State of Tennessee
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What can your life insurance benefits do for you?
The State of Tennessee provides all
employees with at least $20,000 in basic
term life benefits. For many people, this
is enough coverage to provide for final
arrangements. However, the State also
recognizes that the kind of life insurance
you need can change according to your age
and stage of life. That's why the State of
Tennessee is giving you the chance to buy
additional life insurance.
Optional Universal Life insurance can gain
cash value over time, and you can pay the
premiums through payroll deduction.
It is also a plan you own as an individual
and the rates vary by age. That means you
can keep the coverage if you leave your job
or retire. You can apply for this coverage
without answering health questions.
Here is how it works:
- You can apply for a benefit amount up to
three times your salary.
- The amount of coverage you can get
without answering health questions is
called "guaranteed issue."
- You can apply for a higher benefit
amount but you will be asked health
questions. The limit for this is five times
your salary. You can’t request more than
$300,000.
1. Review your plan details
2. Try the calculator (Please enter YOUR annual salary and ages in the boxes below)
|
Rate |
Amount |
|
Admin Cost |
|
Total Monthly Cost |
| Employee Universal Life |
$0.00 |
|
+ |
$1.00 |
= |
$0.00 |
| Spouse Universal Life |
$0.00 |
|
+ |
$1.00 |
= |
$0.00 |
| Child Universal Life |
$0.00 |
|
|
|
= |
$0.00 |
|
|
$0.00 |
Requires Evidence of Insurability (health questions)
Combined benefit amount is greater than 3x salary.
Employee Universal coverage maximum is 5x salary to $300,000.
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3. Important documents
4. Sign me up!
You can apply the following ways:
- Call 1-866-310-6784 to speak to a benefit representative
- Complete the application and return to Unum
| Unum Directory |
| Unum State of Tennessee Enrollment Line |
| Call to apply or if you have questions
about eligibility. |
|
1-866-310-6784 |
| Unum Customer Service Center |
| Call to submit a claim, check the status of
your claim, or if you have questions about
your coverage. |
|
1-866-298-7636 |
| State of Tennessee Customer Service Center |
| Call if you have questions about non-Unum
insurance coverage. |
|
1-800-253-9981 |
**Universal Life: Age last birthday.
Calculations are for illustration purposes only and are based on choices selected. Eligibility for, entitlement to, and amount of actual benefits will be determined according to the terms of the policy.
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