Provide Protection. Unum Through CoPower

Unum and CoPower

Offer your clients’ employees the means to protect their families and livelihoods. With Unum through CoPower you’ll have access to a carrier with more than 165 years of leadership in the industry, and rated #1 in Group Disability and Group Life.

Unum Features Exclusive to CoPower• Guaranteed Issue amounts up to $150,000*• No Industry Loads• Composite rates on Basic Group Life• No participation requirements for Supplemental Life• Standalone Voluntary Life requires only 10 and 15% enrolled

*Available for groups of 10+

Protect With: Group Term LifeAvailable to Groups 2-249. All group sizes enjoy composite rates and enhanced Guaranteed Issue. Unum Life benefits include:• AD&D• 100% Accelerated Death Benefit• Work-Life Balance Employee Assistance Program (EAP) • Life Planning Financial and Legal Resources• Worldwide Emergency Travel Assistance• Waiver of Premium

Voluntary Basic Life with AD&D and EAP100% Employee-paid

• Voluntary Term Life offers Life Insurance portability or convertibility, so employees keep their benefits even if they leave their employer.

• Choose from Supplemental and Standalone Voluntary.• Guaranteed Insurability with minimum coverage

Voluntary Basic Life: SupplementalSupplemental Voluntary Life with AD&D and EAP

• Groups with 2-249 employees are eligible• Unum employer-paid Basic Term Life required• No minimum participation• 12 month rate guarantee

Voluntary Basic Life: StandaloneStandalone Voluntary Life with AD&D and EAP

• Groups with 10-249 employees are eligible• Greater of 10 enrollees or 15% of all eligible employees• 3 year rate guarantee• Employer-paid Basic Term Life not required

Long Term DisabilityAvailable to Groups 10 – 249, Unum LTD benefits include:

• Easy book rates• Two Year Rate Guarantee• Choice of 90, 180 or 360 day elimination period

Long Term Disability HighlightsSome highlights of Unum’s LTD plan include:

• Optional Healthcare Protect Benefit (COBRA Rider)• No limitation to number of years in business• No drug and alcohol limitation. 2-year own occupation• $7,500/month benefit maximum• Coverage for recently established companies

Empower

Empower is a full featured, groundbreaking, online administrative tool that allows you to:• Track the growth of your commissions• Manage all your groups easily• Quickly add and terminate members• View your groups’ billing and payments

instantaneously• Streamline administrative burdens• View upcoming renewals

Best of all, signing up is free and easy.

CoPower VANTAGEAll CoPower members gain free access to our portfolio of value-add products, including HR Support Center for all employers.

HR ANSWERLINKFREE 24/7 access to online HR support and a wide variety of Human Resource and compliance topics.

DISCOUNT RX CARDFREE card with up to 75% discounts on prescription drugs. Honored at more than 56,000 pharmacies!

WILD AT WORKMembers enjoy savings on dining, theme parks, shopping and a host of other services.

ESSENTIAL WEBINARThis webinar is held twice a month and offers information on CoPower services, Empower and value-add services.

Focused on the Customer Experience

• Dedicated Group Representative• Single point of contact• New group onboarding & orientation webinars• Phone, email or online chat support

Giving you an experience that is dynamic, empowering, relevant and sensible.

Thank You!888.920.2322 | sales@copower.com