Term Life Insurance

Term Life Insurance  


Unum’s voluntary individual 10/10 Yearly Renewable Term (YRT) life insurance is an affordable way to obtain life insurance coverage for a specific period of time, usually during your working years.

To enroll in Term Life Insurance coverage, 

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Policies are available with face amounts from $10,000–$150,000, in $1,000 increments. Coverage is also available for your spouse and/or child(ren).

During the first 10 years of the policy, your rate remains the same, based on your age when the policy is issued. The rate changes in the 11th year, based on your age that year, and will remain the same for the second 10 years. The second level 10-year period is not available beyond the issue age of 60. After that, the rate may change yearly.

Benefit levels do not change. The policy is guaranteed renewable to age 95.


This product is not available in New York; however, a Universal Life insurance product will be made available to NY residents only.

This is available to associates who are actively at work. Being “actively at work” means that on the day you apply for coverage, you are working at one of your company’s business locations, or you are working at a location where you are required to represent your company. If you are applying for coverage on a day that is not one of your scheduled workdays, then you will be considered actively at work if you meet this definition as of your last scheduled workday. You are not considered actively at work if your normal duties are limited or altered due to your health, or if you are on a leave of absence. This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form: L-21715 and contact your Unum representative. Unum Group’s insuring subsidiaries comply with all state civil union and domestic partner laws when applicable.

Employees must be U.S. citizens, Canadian citizens working in the U.S., or have a green card to receive coverage. Spouses and dependents must live in the U.S. to receive coverage.

Underwritten by the following subsidiary of Unum Group:
Provident Life and Accident Insurance Company
1 Fountain Square
Chattanooga, TN 37402

© 2018 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. CE-14984

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Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
M-F 9a-6p ET


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Term Life Insurance Brochure

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Mercer's Role & Compensation

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