How much coverage can I get?
Calculate your costs
1
2
3
4
1. Enter the coverage amount you want. 2. Divide by the amount shown. 3. Multiply by the rate. Use the rate table (at right) to find the rate based on age. (Choose the age you will be when your coverage becomes effective. See your plan administrator for your plan effective date. To determine your spouse rate, choose the age the employee will be when coverage becomes effective. See your plan administrator for your plan effective date.)
Employee
$______,000
÷ $1,000 = $________
X $______
= $_______
Spouse
$______,000
÷ $1,000 = $________
X $______
= $_______
Child
$______,000
÷ $1,000 = $________
X $______
= $_______
Total cost
Employee monthly rate
Spouse monthly rate Per $ 1,000 of coverage Cost
Child monthly rate $0.120 per $1,000 of coverage
Per $1,000 of coverage Cost
Age
15-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74
$0.063 $0.063 $0.080 $0.099 $0.144 $0.225 $0.387 $0.702 $1.053 $1.986 $3.096 $3.096
$0.063 $0.063 $0.080 $0.099 $0.144 $0.225 $0.387 $0.702 $1.053 $1.986 $3.096 $3.096
4. Enter your cost.
75+
1. Enter the AD&D coverage amount you want. 2. Divide by the amount shown. 3. Multiply by the rate. Use the AD&D rate table (at right) to find the rate. 4. Enter your cost.
AD&D
1
2
3
4
Employee
$______,000
÷ $1,000 = $________
X $0.020
= $_______
Spouse
$______,000
÷ $1,000 = $________
X $0.030
= $_______
Child
$______,000
÷ $1,000 = $________
X $0.030
= $_______
Total cost
AD&D monthly rates
Coverage amount
Rate
Employee
per $1,000 of coverage
$0.020
Spouse
per $1,000 of coverage
$0.030
Child
per $1,000 of coverage
$0.030
Billed amount may vary slightly. If you apply for coverage above the guaranteed issue amount, you may be subject to medical underwriting which may affect your ability to get the larger coverage amount. In order to purchase coverage for your dependents, you must buy coverage for yourself. Coverage amounts for your dependents cannot exceed 50% of your coverage amounts.
Unum | Term Life Insurance
EN-1976 EN-449408
FOR EMPLOYEES
FOR EMPLOYEES
(6-22)
(6-22)
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