You want to make sure your family is taken care of, but you don't know what the future holds. If you pass away, Unum Life Insurance can help your family cover expenses, such as funeral costs, day-to-day expenses and bills.
Life Insurance can help your loved ones with financial obligations in the case of your death. In addition to day-to-day expenses, Life Insurance can also help provide money to help pay for college aid or retirement.
Unum offers a range of plans for every stage of your life. Whether you’re planning for a baby, getting married, switching careers or preparing for retirement, you can have the coverage that fits your needs.
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| Term Life | Whole Life | |
|---|---|---|
| Key features |
Consistent Term Life is the ideal coverage for high-demand years when you need it most |
Guaranteed
Whole Life offers permanent coverage that remains the same |
| Cost | $ | $$ |
| Death benefit | Payable if you pass away within the term period you select | Stays the same as long as you make payments |
| Premium payments |
Payments stay level during the selected term period |
Payments stay consistent throughout the life of the policy |
| Cash value | Not a feature of Term Life |
Cash values are set when you purchase the policy |
Costs, eligibility and waiting periods before benefits are dispersed can vary depending on your plan. Talk with your HR representative for more details.
Even if your working years are behind you, if you died today, your spouse could live on for many years. Both Whole Life and Universal Life Insurance can last through retirement. In the event of your death, your plan can help protect your spouse’s retirement savings.
Raising children is extremely rewarding, but education, extracurriculars and day-to-day care can be expensive. Term Life Insurance can help ensure that they can be well cared for.
Saving money every month is difficult for many families, and when the worst happens, you may not be prepared. Life Insurance provides coverage so that even without significant savings, you can have peace of mind that your loved ones will have the support they need.
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.
Group Term Life Insurance is underwritten by Unum Life Insurance Company of America, Portland, ME. In New York, group term life is underwritten by First Unum Life Insurance Company, New York, NY.
Individual Term Life Insurance is underwritten by Provident Life and Accident Insurance Company, Chattanooga, TN.
Whole Life Insurance is underwritten by Provident Life and Accident Insurance Company, Chattanooga, TN. In New York, whole life insurance is underwritten by First Unum Life Insurance Company, New York, NY.
