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What if You Lost Your Income?

Unum’s term life/AD&D insurance

What would your family do without your income? Unum’s group voluntary term life and AD&D insurance can help.

Get the coverage you need Group voluntary 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. Coverage is also available for your spouse and child(ren) when you purchase coverage for yourself.

Features with value Adds more coverage at affordable group rates -You can buy more group term life and accidental death and dismemberment (AD&D) insurance at an affordable rate. If you leave your job, Unum will allow you to switch to an individual policy. Unum will bill you directly for the premium. Requires no physical exam- If you apply during your initial enrollment, you are guaranteed to receive a specific amount of coverage

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    your plan’s guarantee issue

amount—without taking a medical exam or answering any health-related questions.

Benefit highlights 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. Survivor financial counseling service — 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.

Reasons to buy 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 are billed at home for your premium amount.

Enrollment information Enrollment information is coming soon. Watch for more information on this valuable benefit.

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 coverage.

Survivor financial counseling services are provided by The Ayco Company, L.P., a Goldman Sachs Company, and are available with selected Unum insurance offerings. Exclusions, limitations, and prior notice requirements may apply. Service features, terms, and eligibility criteria are subject to change. The services are not valid after termination, and coverage may be withdrawn at any time. Contact your Unum representative for details.

This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations that may affect any benefits payable. For complete details of coverage, please refer to Policy Form(s): C. FP-1 et al or see your Unum representative for specific provisions and details of availability. Underwritten by: Unum Life Insurance Company of America, 2211 Congress Street, Portland, ME 04122 Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Unum complies with all state civil union and domestic partner laws when applicable. CU-4379 (8-09)

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