1 American Heart Association, Heart Disease and Stroke Statistics-2018 Update: A Report from the American Heart Association, 2018.
2 (38%-Very worried, 29% somewhat worried). Kaiser Family Foundation, Americans’ challenges with Health Care Costs, 2019
THE POLICIES PROVIDE LIMITED BENEFITS.
In New York, individual coverage is referred to as specified disease insurance. In New York and North Carolina, group coverage is referred to as specified disease insurance. The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations that may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.
Accident insurance is not approved in all states. Please check with your plan administrator for details.
Group Critical Illness is underwritten by Unum Life Insurance Company of America or Unum Insurance Company of America, Portland, Maine.
Individual Critical Illness is underwritten by Provident Life and Accident Insurance Company, Chattanooga, Tennessee.
In New York, coverage is underwritten by First Unum Life Insurance Company, New York, New York.
Insureds in some states must be covered by comprehensive health insurance before applying for Specified critical illness insurance.
The policies provide limited benefit health insurance only, They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
The expected benefit ratio for the individual policy is policy is 60%. This ratio is the portion of future payments that the company expects to return as benefits when averaged over all people with this policy.