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UNUM Voluntary Whole Life and Accident

Whole Life Insurance

Unum's Whole Life Insurance is designed to pay a death benefit to your beneficiaries but it can also gain cash value while you are living. This benefit offers an affordable, guaranteed level of premium that won't increase due to age. Unlike term life insurance, this coverage can continue into retirement.

Plan Features

• You have the ability to purchase Whole Life Insurance for yourself, your spouse and your children
• Purchase the precise amount of coverage that is right for your needs
• No physical exams are required to apply for coverage
• Coverage is portable - you can take your policy with you if you leave the company or retire
• Rates can't go up, and benefits can never be reduced
• Guaranteed cash value interest rate of 4.5%

Guaranteed Issue Coverage: There are no medical questions asked for the following levels of coverage

Employee:  Up to $70,000 for ages 15 - 80. Coverage can be purchased in $10,000 increments up to $70,000.

Spouse:      Up to $30,000 for ages 15 - 80. Coverage can be purchased in $10,000 increments up to $30,000.

Contact a UNUM representative at 800.635.5597 to help you calculate the cost of the benefit, which will vary depending upon your age, the amount of coverage you elect or dependent coverage you choose, and other such factors. Review for more information.

Watch an informational video and learn more about the benefits of UNUM Whole Life Insurance.

Accident Insurance

Unum's Group Accident insurance can pay lump-sum benefits based on the injury you receive and the treatment you need, including emergency-room care and related surgery. The benefit can help offset the out-of-pocket expenses that medical insurance does not pay, including deductibles and copays.

Covered injuries and accident related expenses include:

• Hospitalization
• Hospital intensive care
• Lodging for family
• Physical therapy
• Transportation

Benefits are paid for accidents that occur off-the-job. You can elect to cover your spouse and children and there are no health questions or physical exams required.

Your coverage is portable, which means you can take your policy with you if you leave the company. Your enrollment counselor can give you detailed information on the plan and costs during your enrollment session. Review for more information.

Watch an informational video to learn how UNUM Accident Insurance can help you.

File A Claim

To start, just follow these steps:

Claim forms may be downloaded from the UNUM website at www.unum.com or you may call 1-800-635-5597 to obtain a claim form that includes employee/patient information, authorization and attending physician's statement. Complete the employee/patient information section and authorization forms. Have your doctor complete the attending physician's statement. Mail or fax the completed forms directly to Unum using the contact information on the claim form.

Download the informational flyer for more information.

Cancel/Change Policy

Contact a UNUM representative at 800.635.5597 to make any changes or cancel your Whole Life or Accident Policy.