Life and AD&D

You choose the amount of coverage that’s right for you, and you keep coverage for a set period of time, or “term.” If you die during that term, the money can help your family pay for basic living expenses, final arrangements, tuition and more. AD&D Insurance is also available, which pays a benefit if you survive an accident but have certain serious injuries. It pays an additional amount if you die from a covered accident.

Whole Life Insurance, through UNUM, enables you to tailor coverage for your individual needs and provides financial security for your family members.

• Spouse can receive up to 100% of the employee amount of $250,000. Guarantee issue is $50,000.
• Provides money to beneficiaries when the insured person passes away
• Earns cash value
• Spouse and child coverage are available
• Premiums and benefits stay the same over the life of the policy
• Living benefit is included with all policies at no extra premiums (allows access to death benefit when medical condition limits the life expectancy to 12 months or less)
• Guaranteed issue available