Group voluntary term life and AD&D insurance
What would your family do without your income?
Unum’s group voluntary term life and AD&D insurance can help.
Better prepared for the future
Jarrod and Amy have two careers, two children, two daycare payments and a two-story house on the lake. If either one dies prematurely, one paycheck won’t keep the family afloat. They have basic life insurance at work, but they want enough coverage to meet their actual needs.
(For illustrative purposes only. This may help you decide how much coverage you need.)
Outstanding Debt How much will be left for your family to pay?
What happens after you’re gone? Experts recommend having enough life insurance to replace income for 7 to 10 years.1
The typical married couple has less than half of that.2
Mortgage balance Other debt (credit cards, loans) TOTAL
$ $ $
_______ _______ _______
How much do your dependents need each year?
Number of years insurance will replace income3
Features with value
Adds more coverage at affordable group rates Your employer may offer basic term life, but it’s probably not enough for your needs. 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 — your plan’s guarantee issue amount — without taking a medical exam or answering any health-related questions.
Transportation (gas, car payments, repairs)
Utilities (electric, water, cable, Internet)
Insurance (health, life, car, home)
Food & clothing (groceries, restaurants) Education (tuition, books, supplies) Child care/elder care Savings contributions (retirement)
$ $ $ $ $ $
Medical costs (doctor copays, medications)
TOTAL Future Plans
_______ _______ _______ _______ _______ _______ _______ _______ _______ _______
How much will your loved ones need for the future?
Other (pension replacement, long term care,
funeral expenses) TOTAL
How to apply
Your benefit enrollment is coming soon. To learn more, watch for information from your employer.
GRAND TOTAL Subtract existing co
Consider adding this amount of life insurance