Life Insurance
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Life Insurance 51+ Employees: Learn why life insurance products make sense (PDF, 516K)
 
Life Insurance
UnitedHealthcare offers a variety of Life Insurance products for your peace of mind and security.

Choose from our suite of life insurance products:

Basic Life Insurance

Amounts may be based on coverage level, job level or a multiple of the participant's salary.

Accidental Death and Dismemberment (AD&D)

Provides coverage for loss of life or injuries sustained within 90 days from the date of the accident.

Dependent Life

Offers security for participant's families.

Key features include:

  • Accelerated Benefit - applies to a terminal condition when life expectancy does not exceed one year.
  • Waiver of Premium - for eligible employees totally disabled before age 60, until age 65.
  • Interest Bearing Account - holds benefit payments.
  • AD&D Seat Belt Benefit - pays additional 10% of the AD&D benefit (up to $10,000) if a person dies while wearing a properly fastened seat belt.
  • Life Conversion - allows employees to convert to an individual life insurance policy when losing coverage under a group plan under certain circumstances.