Whole Life, Group Critcal Illness and Accident Benefits are offered through UNUM
Whole Life Insurance
While Term Life Insurance is an important benefit to maintain through your working years, Whole Life Insurance can also provide you with an additional level of Life Insurance coverage. Typically the premium for Whole Life insurance is fixed so your cost will not increase for the life of the policy. Whole Life insurance not only helps pay for final expenses it can also potentially accumulate cash value where, over time, you could borrow from that cash value.
Group Critical Illness Insurance:
Having a Critical Illness policy may help you pay for expenses you could incur when diagnosed with a covered illness such as a heart attack, stroke, coma, major organ failure and possibly cancer.
In general, under a Group Critical Illness policy you can receive a lump-sum benefit payment upon diagnosis of the covered condition to use as you see fit.This benefit can be used to help offset your income, pay for deductibles and co-payments, apply towards your regular living expenses, or even pay for transportation so your loved ones can be with you.
In addition, the policy you elect can be used for each covered condition as long as the allowable period of time has been met between the diagnoses of each condition. Each condition is payable once per lifetime. Depending on your plan options, you may also add Cancer as an additional covered condition. Spouse and Dependent coverage is also available.
This is your policy, therefore coverage is portable. You can take this coverage with you if you leave or retire without having to answer health questions.
Please review the plan documents to see details on the coverage options available including a list of some covered conditions.
Group Accident Insurance:
If you or your covered dependents experience an injury such as broken bones, torn ligaments, burns or other covered injuries due to an accident, Accident coverage can provide you with a lump-sum benefit based on the type of treatment you need. The benefits you receive may cover expenses incurred from emergency room treatment, hospitalization, surgery, medical appliances, lodging, and certain follow-up therapy services.
These benefits are generally paid in addition to and regardless of other coverage you may have (i.e. health insurance).
Please review the plan documents to see the full schedule of benefits including covered injuries/incidents and covered expenses.
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