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.
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: 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.
Seatbelt benefit — Pays an additional benefit if you die in a covered private-passenger car accident while wearing a seat belt. An extra benefit is paid if the seat is protected by an airbag plus seat belt and your seat belt is properly fastened.
Education benefit — If you or your insured spouse dies within 365 days of a covered accident, this benefit can help pay for your unmarried children’s ongoing college education.
Repatriation (bring you 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.
Who can have it? Spouse
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 family coverage (if offered by your employer)
Ends when employee policy ends or when children turn 19 (or 26 if full-time students). At the time, children can purchase an individual policy, not to exceed the original children’s benefit amount.
Available with purchase of employee coverage for eligible dependent children, which may include stepchildren, legally adopted children and grandchildren, age birth through 26 years.
Birth to age 19 (or 26 if full-time student); in increments of $1,000 up to $10,000, and up to 100% (or 50% in some states) of the employee benefit amount.
My group voluntary life and AD&D coverage
Amount I applied for: Cost per pay period: Date deductions begin:
(For your records — complete during your enrollment)
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.
1,2,3 LIMRA, “Facts About Life” Fact Sheet, September 2007.
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.
Underwritten by: Unum Life Insurance Company of America, 2211 Congress Street, Portland, ME 04122
In New York, underwritten by: First Unum Life Insurance Company, 99 Park Avenue, 6th Floor, New York, NY 10016 unum.com
Exclusions: Life insurance benefits will not be paid for deaths caused by suicide in the first 24 months after your effective date of coverage. Additionally, no increased or additional benefits will be payable for deaths caused by suicide occurring within 24 months after the day such increased or additional insurance is effective.
© 2008 Unum Group. All rights reserved. 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.
For employee information EN-1083 (3-08)
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, and 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.