CoPower Product Spotlight: Unum

<10 EEs: $10,000, $15,000, $20,000, or $25,000
10+ EEs; $10,000, $15,000, $20,000, $25,000, $50,000, $100,000, or $150,000

• All guarantee-issue
• Portable
• EAP & travel assistance included
• Composite rate based on group sized
• 24-month rate guarantee

• 5x salary up to $250,00
• $10,000 increments for EEs
• Spouse & child coverage
• Guarantee issue: <10 EEs: $10,000 (supplemental only), 10-49 EEs: $30,000, 50-249 EEs: $80,000
• Guarantee-issue protection
• Portable
• Age-banded rates
• Rate guarantee: Supplemental - 12 months, Stand-alone - 3 years

• 60% to $7,500/month
• 2-year own occupation
• 90, 180, or 360 day elimination periods
• Elimination period determined by the employer
• Out of State: No limit to the number of out-of-state employees
• Carve-Outs: Must be a defined class with a minimum of 10 enrolled per carve-out.
• Not portable
• Contribution: 100% employer-paid
• Participation: 100% of eligible employees
• Rate Guarantee: Two years from the date of inception