UNUM Life Insurance

2026 Open Enrollment

Special Event: Voluntary Life Insurance Guarantee Issue*—No Medical Questions!

• Employee: Up to $180,000
• Spouse/Domestic Partner: Up to $30,000

*If you haven’t been previously denied by UNUM, you can enroll in up to these guaranteed amounts with no medical questions during open enrollment (10/27 - 11/14/2025). Want more coverage? You can apply for amounts above Guarantee Issue (medical questions required). If denied, you’ll still receive the guaranteed amount.

See the Benefit Guide for the Life Insurance Rates.

Beneficiary Reminder: During your enrollment session, you’ll be prompted to assign beneficiaries to your life and disability plans if any information is currently missing.

You have the option to purchase additional voluntary life insurance coverage for yourself and your family members.

You can elect coverage in increments of $10,000 up to a maximum of $500,000, not to exceed 5 times your annual base earnings.
Your Spouse or domestic partner can be covered in increments of $5,000 up to $500,000.
Coverage for dependent children is available in increments of $2,000 up to $20,000.

Dependent coverage cannot exceed the your elected amount. Please note that age reductions apply beginning at age 70.

During your initial eligibility period, you can enroll in voluntary life coverage without answering medical questions—up to $180,000 for yourself, $30,000 for your spouse or domestic partner, and $20,000 for your children.

If you wish to apply for coverage above these guaranteed amounts, you will need to complete an Evidence of Insurability (EOI) questionnaire with UNUM.