1. Provide Protection. Unum Through CoPower

2. 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.

3. 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+

4. Protect With: Group Term Life
Available to Groups 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

5. Voluntary Basic Life with AD&D and EAP
100% 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

6. Voluntary Basic Life: Supplemental
Supplemental Voluntary Life with AD&D and EAP
Groups with employees are eligible
Unum employer-paid Basic Term Life required
Minimum participation: 2 enrolled
12 month rate guarantee

7. Voluntary Basic Life: Standalone
Standalone Voluntary Life with AD&D and EAP
Groups with employees are eligible
Greater of 10 enrollees or 15% of all eligible employees
3 year rate guarantee
Employer-paid Basic Term Life not required

8. Long Term Disability
Available to Groups 10 – 249, Unum LTD benefits include:
Easy book rates
Two Year Rate Guarantee
Choice of 90, 180 or 360 day elimination period

9. Long Term Disability Highlights
Some 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

10. 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.

11. CoPower VANTAGE
All CoPower members gain free access to our portfolio of value-add products, including HR Support Center for all employers.
HR ANSWERLINK
FREE 24/7 access to online HR support and a wide variety of Human Resource and compliance topics.
WILD AT WORK
Members enjoy savings on dining, theme parks, shopping and a host of other services.
DISCOUNT RX CARD
FREE card with up to 75% discounts on prescription drugs. Honored at more than 56,000 pharmacies!
ESSENTIAL WEBINAR
This webinar is held twice a month and offers information on CoPower services, Empower and value-add services.

12. Focused on the Customer Experience
Dedicated Group Representative
Single point of contact
New group onboarding & orientation webinars
Phone, or online chat support
Giving you an experience that is dynamic, empowering, relevant and sensible.

13. Thank You! |