Life Insurance

Provide for your loved ones in a time of need

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.

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A Life Insurance policy can protect what matters most

Continue providing for your loved ones

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.

More about Life Insurance

Unum offers two main types of Life Insurance

Term Life Insurance

Term Life Insurance provides affordable protection for a specific period of time, usually during your working years. In some cases, coverage can be extended past your original term. Most people buy it during their working years, so if they die, their death benefit can help loved ones manage their financial needs.

Whole Life Insurance

Whole Life Insurance offers longer-term life coverage with the ability to build cash value at a guaranteed minimum rate. Instead of adjustable premiums and benefits, however, the coverage remains consistent as you grow older.

How Life Insurance compares

   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.

How Life Insurance provides peace of mind throughout your life

Helping your spouse through retirement

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.

Providing for your children

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.

Get support in preparing for the future

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.

Commonly asked questions about Life Insurance

How much does the plan pay?
The plan pays your beneficiary the amount you choose when you initially enroll in the coverage.
How much coverage do I need?
The amount of Life Insurance coverage you should get depends on many factors, such as your annual income, existing debt and how much you want to provide for major life events like a wedding or college.
Am I guaranteed coverage?
Depending on your policy, you may be asked some health questions to determine if you are eligible for coverage.
What is not covered?
Some plans have exclusions for circumstances like suicide. See your HR representative for details on your specific plan.
Can I increase my coverage later?
Yes, though you may need to answer health questions depending on the plan.
Can I keep my Life Insurance if I leave my job?
Yes, in most cases. See your employer for details.

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.