Get the coverage you need.
Term life insurance is offered to all eligible employees. Choose the benefit amount you need up to your plan's maximum.
Three reasons to buy this coverage at work now
||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.
||You get affordable rates for you and your family. Premiums are conveniently deducted from your paycheck.
||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:
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.
Repatriation (bring your 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 (if offered by your employer)
|Who can have it?
||What's the benefit amount?
||How long can they keep it?
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.
Available with purchase of employee coverage for eligible dependent children, which may include stepchildren, legally adopted children and grandchildren, age birth through the end of the year in which they obtain age 26 years.
Birth through the end of the year in which they obtain age 26; $5,000 or
$10,000 as applied for by the employee and approved by
Ends when employee policy ends or through the end of the year in which they obtain age 26. At that time, children can purchase an individual policy, not to exceed the original children's benefit amount.
Coverage will be continued for a child age 26 or over who became physically or
mentally disabled while covered under the plan provided:
Unum must receive proof within 31 days of the date the child attains age 26 and as
required during the first two years. After the first two years Unum will ask for proof
when needed but not more than once a year.
- the child is unmarried;
- the disability was acquired before the child's coverage would have ended;
- the child is incapable of self-support and remains so incapable;
- you are the main source of support and maintenance.