About the program

UNUM Term life insurance is available to employees at the time of hire. The effective date of the insurance is the first of the month following the date of hire.

All benefit eligible employees will receive a $10,000 term life policy at no cost. Supplemental insurance is available in the amount 1 to 5 times your annual salary up to a maximum of $600,000 and paid by the employee. Coverage above $365,000 may be limited based on evidence of insurability and guaranteed issue amounts will require that you complete and submit a Medical History form. 

Life insurance for dependents

Dependent life insurance for spouses and dependent children and grandchildren up to age 25 that are full-time students is also available. AD&D may also be purchased for additional life insurance. Employees not enrolling at the time of hire may participate in the program at a later date only with evidence of insurability.

For a more comprehensive look at the UNUM plan, including rates, please read the complete plan. UNUM can be contacted either by mail at UNUM, P.O. Box 100158, Columbia, SC 29209-3158 or by phone at 800-421-0344.