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What kind of future do you picture for yourself and your family?
Now imagine that picture without you in it. Would your family be
financially able to continue your current lifestyle?
We offer more than just a benefit check
Your employer is offering an added safeguard against these financial worries - Unum group voluntary term life insurance. In addition to providing flexible, affordable life insurance protection through convenient payroll deduction, this valuable coverage also offers a variety of benefits and services.Guarantee issue
During the initial enrollment period, if you (and your dependents) are eligible for coverage, you are guaranteed to receive a specifi ed amount of insurance without answering any health questions (see your plan highlights for more details).Coverage for your family
In addition to insuring yourself, coverage options are also available for your eligible spouse and children.Affordable coverage
Your employer is making this insurance available to you at affordable group rates. Your premiums are based on your age when you buy the insurance and increase as you move through five-year age bands.Convenient payroll deduction
Your premiums are automatically deducted from your paycheck, so you don't have to worry about writing checks or mailing payments.Coverage when your employment situation changes
If you terminate employment, retire or reduce your hours, you may be eligible to keep your coverage at affordable group rates.2Accelerated benefit: help for here and now
If you or your covered spouse becomes terminally ill with less than 12 months to live, you have the option of receiving a portion of your life insurance benefit in advance (amount subject to your plan maximum). There are no restrictions on how this money can be spent and no fees will be charged. The balance of the benefit will be paid upon the death of you or your covered spouse.Survivor financial counseling service3
In addition to emotional issues, there are many difficult decisions that accompany the death of a loved one. To help ensure that your family has the support it needs, our plan includes objective survivor financial counseling services at no additional cost to your survivor, your insured spouse's survivor or to you if you become terminally ill.Security accounts
We deposit benefit checks of $10,000 or more in an account where the money earns interest while beneficiaries are attending to more immediate needs.Something to consider
In one study of households that experienced a premature death, some 45% of widows and 37% of widowers said their spouse had been inadequately insured. One to two years after the death, half the widows and one-third of the widowers were just getting by financially.4
