Final Expense for Unum Group Employees
Workers in dynamic industries may experience periods without employer benefits. Final expense insurance provides permanent, affordable coverage for end-of-life costs regardless of employment status.
Permanent, affordable coverage for end-of-life costs that is independent of employer benefits.
How final expense supplements Unum Group group benefits
Key Product Details
- Coverage Period
- Lifetime
- Premium Type
- Level (fixed for life)
- Cash Value
- Yes
- Illustrative Cost
- $30-$100/month for $10K-$25K coverage (ages 50-75, illustrative)
Actual premiums vary by carrier and individual underwriting.
This site is not affiliated with Unum Group. Information about employer benefits is general and may not reflect current offerings.
How Final Expense Supplements Unum Group Group Coverage
Group coverage changes with employment. Final expense provides consistent, permanent protection for a clearly defined need — ensuring end-of-life costs are handled with dignity.
Group Coverage
- Tied to employment at Unum Group
- Coverage amount set by employer
- Ends when you leave the company
- No cash value or customization
Individual Final Expense
- Portable — stays with you through career changes
- Coverage amount you choose
- Permanent protection for life
- Builds cash value over time
Addressing Unum Group Coverage Gaps with Final Expense
Here is how final expense specifically addresses common gaps in Unum Group group coverage.
Even as a benefits industry leader, Unum group plans have standard limitations on coverage amounts, portability, and policy type options that affect all group insurance regardless of the provider
Final Expense provides permanent, portable coverage that addresses this gap with guaranteed protection independent of any employer. Cash value accumulation adds a financial planning dimension that group coverage cannot offer.
Chattanooga-area costs may require coverage above group plan maximums, especially as the city's economy grows and housing values appreciate
Final Expense provides permanent, portable coverage that addresses this gap with guaranteed protection independent of any employer. Cash value accumulation adds a financial planning dimension that group coverage cannot offer.
Group coverage is employment-dependent despite the company's insurance expertise, ending upon separation like any other employer's group plan
Final Expense provides permanent, portable coverage that addresses this gap with guaranteed protection independent of any employer. Cash value accumulation adds a financial planning dimension that group coverage cannot offer.
Career mobility in the insurance and benefits industry makes portability important, as Unum professionals may move to competitors, consulting firms, or other sectors
Final Expense provides permanent, portable coverage that addresses this gap with guaranteed protection independent of any employer. Cash value accumulation adds a financial planning dimension that group coverage cannot offer.
Group plans may not offer the personalized product selection available through individual policies, including specific permanent coverage designs optimized for individual financial goals
Final Expense provides permanent, portable coverage that addresses this gap with guaranteed protection independent of any employer. Cash value accumulation adds a financial planning dimension that group coverage cannot offer.
Final Expense Features
Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance carrier.
Important Considerations for Final Expense
Every coverage type has trade-offs. A licensed agent in our network can help you weigh these factors.
Other Coverage Options for Unum Group Employees
Explore alternative coverage types to supplement your group benefits.
Term Life
Affordable protection for life's most important years
Temporary · No Cash Value
Whole Life
Lifetime protection with guaranteed cash value accumulation
Permanent · Cash Value
Universal Life
Flexible permanent coverage that adapts to your life
Permanent · Cash Value
IUL
Market-linked growth potential with downside protection
Permanent · Cash Value
Final Expense for Unum Group: FAQ
Workers in dynamic industries may experience periods without employer benefits. Final expense insurance provides permanent, affordable coverage for end-of-life costs regardless of employment status. The cash value component provides additional financial benefits beyond the death benefit. A licensed agent in our network can help evaluate whether final expense fits your specific situation.
Final Expense rates are based on age, health status, coverage amount, and other individual factors — not your employer. For reference, $30-$100/month for $10K-$25K coverage (ages 50-75, illustrative). Actual premiums vary by carrier and individual underwriting. Request a free quote for a personalized estimate.
Most final expense policies use simplified underwriting — no medical exam required. You answer health questions on the application. Some offer guaranteed issue with no health questions at all (graded benefit period may apply). A licensed agent in our network can help find the right option.
Even as a benefits industry leader, Unum group plans have the same structural limitations as any group coverage: limits on coverage amounts, lack of portability, and no permanent coverage options. Individual policies from A-rated (A.M. Best) carriers provide additional protection, portability across employers, and product options unavailable in any group plan. Insurance professionals at Unum typically understand the value of comprehensive personal coverage planning.
Getting started is quick and easy. Request a free quote through our online form, and a licensed agent in our network will review your information and provide a personalized estimate. They can help you understand how final expense supplements your Unum Group group benefits. Quotes are estimates subject to underwriting. No cost, no obligation.
Get Your Final Expense Quote
Connect with a licensed Tennessee agent in our network who understands how final expense supplements Unum Group group benefits. Free quotes, no obligation. Quotes are estimates subject to underwriting.
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