TERM LIFE
INSURANCE

UNUM

Life Coverage
Amounts
$10,000

Accidental Death
& Dismemberment      $10,000

(AD&D)
Coverage Amount

Life Reduction Formula                        Life and AD&D
insurance amounts will reduce to 65% of the original amount

at age 70 and 50% of the
original amount at age 75.

Portability                                          You can continue current
coverage when you leave the company, retire or

reduce your hours below the
minimum requirement. Portability is not

offered if you are sick or at the
time of application but conversion is still available.

Conversion                                          If you leave your employer
and you are not eligible for portability you can covert your

coverage to an individual Life
Policy.

Accelerated Benefit                            If you become terminally
ill and are not expected to live more than twelve months, you may

request up to 100% of your life insurance
amount up to $10,000. A doctor must certify your

condition in order to qualify for
this benefit.