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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

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:
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?
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 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 Unum.
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.
Incapacitated Child
Coverage will be continued for a child age 26 or over who became physically or mentally disabled while covered under the plan provided:
  • 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.
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.

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-1060 (11-10)