The Lifelong Value of Insurance: Protecting Your Future with Unum

Understanding the Role of Insurance in Financial Security

Insurance is a foundational element of any robust financial plan. From everyday health coverage to safeguarding your income and legacy, insurance products protect against life’s uncertainties. Partnering with a trusted provider like Unum ensures that you receive reliable support when you need it most.

1. Health Insurance: Guarding Your Well-Being

• Access to Care: Health insurance covers preventive services, routine checkups, specialist visits, and hospitalizations—helping you stay healthy and catch conditions early.
• Cost Containment: By pooling risk across many policyholders, premiums remain manageable, and out-of-pocket expenses are capped to prevent overwhelming medical bills.
• Peace of Mind: Knowing you’re protected against unexpected medical emergencies lets you focus on recovery instead of financing treatment.

2. Disability Insurance: Replacing Lost Income

• Income Protection: If illness or injury prevents you from working, disability insurance provides a percentage (often 60%–70%) of your regular salary.
• Short- and Long-Term Policies: Short-term coverage kicks in after a brief waiting period, while long-term plans extend benefits for years or until retirement.
• Unum Expertise: As a leader in disability coverage, Unum offers flexible policies, rehabilitation support, and return-to-work programs to get you back on your feet.

3. Life Insurance: Securing Your Legacy

• Income Replacement: A life policy’s death benefit ensures your family can cover daily expenses, mortgage payments, and education costs after your passing.
• Debt Elimination: Outstanding loans—student debt, car payments, credit balances—can be paid off, preventing survivors from inheriting financial burdens.
• Estate Planning: Whole-life or universal policies build cash value over time, serving as a tax-advantaged vehicle to leave charitable gifts or support a family trust.

4. Long-Term Care Insurance: Protecting Your Independence

• Home and Facility Care: Long-term care policies cover assisted-living, nursing-home stays, and in-home support—helping you maintain quality of life as you age.
• Asset Preservation: By funding care costs, insurance prevents the rapid depletion of savings and ensures your nest egg supports your spouse or heirs.
• Customizable Benefits: Unum offers riders for inflation protection and shared care options for couples, tailoring coverage to meet evolving needs.

5. Supplemental Coverage: Filling Gaps and Enhancing Protection

• Critical Illness Plans: Lump-sum payments upon diagnosis of covered conditions (e.g., cancer, heart attack) help with non-medical expenses like travel, childcare, or experimental treatments.
• Accident Insurance: Covers emergency medical care and lost wages from accidental injuries—ideal for active lifestyles or high-risk occupations.
• Hospital Indemnity: Daily cash benefits for each night you spend in the hospital, offsetting deductibles, co-payments, and incidental costs.

Why Choose Unum for Your Insurance Needs?

1. Comprehensive Product Suite: From disability and life to long-term care and supplemental policies, Unum offers integrated solutions under one roof.
2. Financial Strength: As a Fortune 500 insurer, Unum’s stability ensures your claims are paid—even in volatile markets.
3. Proactive Support: Unum’s case managers work with healthcare providers and employers to coordinate benefits, rehabilitation, and return-to-work plans.
4. Customer-Centric Digital Tools: Easy online enrollment, claims tracking, and interactive calculators empower you to manage your coverage seamlessly.