Employees and families
When a serious illness strikes, critical illness insurance can provide financial
support to help you through a difficult time. It can pay you a lump-sum cash
benefit, which you can use any way to meet your needs. To help prevent illness,
this plan can also pay you an annual cash benefit when you take a covered health screening test.
Sam has been saving for an early retirement. Unfortunately, a stroke forced him to take an extended leave from his job. Thanks to his critical illness coverage, Sam was able to afford the treatment his medical insurance didn’t cover. He was able to protect his savings, which means he can continue to plan for his upcoming retirement.
Additional coverage options available:
Other important features:
For illustrative purposes only. Coverage plans may vary.
*Pays 25% of total benefit. Please refer to the policy for complete definitions of covered critical illnesses.
CRITICAL ILLNESS INSURANCE PROVIDES LIMITED BENEFITS
The policies, their names, or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.
Group critical illness:
Underwritten by Unum Life Insurance Company of America
Individual critical illness:
Underwritten by Provident Life and Accident Insurance Company
In New York, underwritten by First Unum Life Insurance Company
These policies provide limited benefit health insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for the individual policies is 60%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.