INSURANCE

Let Us Help Find the Insurance You NEED!

Accident Insurance

Help your employees prepare for the expense of an accident

Only 37% of Americans would have enough savings to pay an unexpected expense of around $1,000. Without significant savings, an injury or covered illness — even after recovery — could put your team members under significant financial strain.

Help your employees protect their finances and get back to work after an accident. Accident Insurance can pay a lump-sum benefit directly to your employees when they or covered family members experience a covered injury.

Accident Insurance can help your team members get back on their feet after an accidental injury. Our plans provide a lump-sum benefit to help them with expenses not covered by their medical insurance, such as co-pays, transportation costs and out-of-pocket fees.

Disability Insurance

The protection your workforce needs — and wants

By offering a full range of disability benefits, you can ensure your employees are covered in the event they’re unable to work. And the result? A happier, more dedicated and more productive workforce for you.

It’s estimated that some 25% of today’s U.S. workers aged 20 to 50 years old will become disabled before the age of 67. Yet less than one-fourth of U.S. consumers have enough emergency savings to cover six months or more of their expenses. For these employees, even a minor illness can cause financial hardship, and a serious health problem or injury could be financially devastating. Unum Disability Insurance can safeguard against the unexpected expenses of being out of work and help employees.

Give your employees the support they need, when they need it most

Life Insurance offers peace of mind, so your employees know their loved ones would be provided for. Because coverage is also available for their spouse and dependents, Life Insurance can also help your employees cover necessary expenses if they lose a loved one.

Losing a primary wage earner can be disastrous for a family’s finances. In the midst of grief, many families are forced to pull money from savings and investments or lean on family and friends for assistance.

Life Insurance benefits allow you to offer needed protection while also meeting your company’s goals. Many employees do not have access to life coverage outside of work. So whether you choose employee-paid, employer-paid or shared funding plans, your employees will appreciate the opportunity to enhance their coverage.

How Life Insurance works

In the U.S., 67% of full-time workers who have life insurance get at least some of it through their employer, and 40% get all of their life insurance through their employer. Life Insurance plans can help fill real needs when your employees or their loved ones need it most, through features such as:

  • Additional financial protection with family coverage for spouses and children
  • Accelerated “living benefit” available to covered individuals diagnosed as terminally ill
  • Financial, legal and emotional counseling for beneficiaries
  • High benefit maximums to help a family manage despite the loss of an income, up to $750,000 or five times annual salary
  • Plans that can continue protection even if the employee changes jobs
  • A guaranteed-issue amount, so employees can get a base level of coverage — and often increase the coverage amount later — with no health questions or physical exams
  • Accidental Death and Dismemberment (AD&D) Insurance available for employees and dependents in amounts independent of the life benefit they purchase, based on their own insurance needs

As time goes on, families expand, expenses fluctuate and financial responsibilities tend to grow. Choose two main types of Life Insurance plans that can supplement your current coverage and offer more options to employees:

Term Life Insurance provides affordable coverage during an employee’s working years to provide protection for the loved ones who depend on them. Employees can increase coverage at enrollment events and even take the protection with them if they change jobs.

Life Insurance

Whole Life Insurance

Whole Life Insurance maintains constant premiums and benefits. These policies can last through retirement and build cash value over time, which employees can borrow from or use toward a paid-up policy at age 70 (no additional premium payments). A second option allows employees to pay smaller premiums through age 120.

Many employees carry a basic term life plan, but it may not be enough to fully provide for their dependents. We can help you identify Life Insurance coverage that offers multiple forms of coverage to suit your employees’ stages of life and evolving needs.

Critical Illness

Sudden illness doesn’t have to cause sudden financial problems

A serious illness can often mean unexpected expenses that aren’t covered by health insurance. Critical Illness Insurance can provide financial protection for employees while allowing them to focus on healing and getting back to work.

Hospital Indemnity

Discover the smart companion for today’s health plans

With the rising cost of health care, one trip to the hospital could cause a serious financial setback — given the deductibles, co-pays and out-of-pocket expenses. Group Hospital Insurance can help employees manage these unexpected costs by providing lump-sum benefits for many of the expenses medical insurance may not cover.

Dental Insurance

Flexible dental coverage for your unique business

No two businesses are alike. And that’s why we offer you an opportunity to choose between several types of dental plans, with coverage you can customize. Whether you have two employees or 10,000, We can help you design a plan that fits your organization, your workforce and your budget.

  • Preferred Provider Organization (PPO) plans you can tailor to suit your business and your employees
  • Flexible funding options, including self-funded and fully insured plans
  • Coverage for up to 50%, 80%, or even 100% of services, including preventative services
  • Extra cleanings for mothers-to-be
  • Lower out-of-pocket costs with in-network dentists – robust coverage for treatment out of network

Vision Insurance

The Value of Vision Insurance

Employees’ eyes deserve the best care to keep them healthy year after year. With Unum Vision, they will get a great value on their eye care and eyewear, at the time and place that fits their lifestyles and budgets. Besides creating a more competitive benefits package, Vision Insurance helps reduce out-of-pocket expenses for employees — empowering them to get the vision care they need.

65% of Americans experience some form of digital eye strain.

Early diagnosis of vision issues means treatment is most effective and may make treatment less costly.

Regular vision exams can help show signs of:

  • Diabetes
  • High blood pressure
  • Macular degeneration
  • Cancer