Term Life Insurance

Provide your loved ones with peace of mind

Help protect your loved ones from the financial impact of your death. Term Life Insurance provides affordable coverage for a specific period of time that can help pay for funeral costs, day-to-day expenses and bills.

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Get added coverage during your working years

Term Life Insurance is ideal for protecting those who rely on your income

Term Life Insurance can help your loved ones with financial needs after your death during the specified period of your coverage. In addition to day-to-day expenses, Term Life Insurance can also help your loved ones pay for college, cover bills or fund retirement.

Term Life Insurance provides affordable protection for a specific period of time, usually during your working years. In some cases, coverage can even be extended past your original term.

  • Term Life is the ideal coverage for high-demand years when your loved ones most rely on your income.
  • It’s often the most affordable life insurance option for short-term needs.
  • Benefits are payable if you die during the term or period you select.
  • Payments stay level during the term period.

Costs, eligibility and waiting periods before benefits are dispersed can vary depending on your plan. Talk with your HR representative for more details.

Jenny at home with her small baby and toddler

See how Term Life Insurance can help provide peace of mind

Jenny’s kids mean the world to her. If something were to happen to Jenny, she would want them to be taken care of and their college tuition to be provided for. And she wouldn’t want her other family members to be burdened with her final expenses.

How Jenny's plan works:

If Jenny dies, her loved ones can use the money for:

  • Final expenses
  • Credit card debt
  • Student loans
  • Monthly living expenses

If Jenny has a plan with accidental death and dismemberment coverage, and she has an accident:

  • She could receive 25-100% of the benefit amount for covered injuries if she survived.
  • Her kids would receive double the death benefit if she died.

If Jenny has a plan with an accelerated benefit:
 She could receive up to 100% of her death benefit if she received a terminal illness diagnosis.

For illustrative purposes only. Coverage plans may vary.

Commonly asked questions about Term Life Insurance

The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.

Group Term Life Insurance is underwritten by Unum Life Insurance Company of America, Portland, ME. In New York, underwritten by First Unum Life Insurance Company, New York, NY.
Individual Term Life Insurance is underwritten by Provident Life and Accident Insurance Company, Chattanooga, TN.