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  • Individual Whole Life Insurance

    Unum

    Employees may elect to cover themselves, their spouse and/or children, and grandchildren with individual life insurance policies.  Whole Life provides guaranteed level premiums and death benefits for the life of the contract.

    Benefits at a Glance

    Whole Life polices guarantee the premiums and death benefit to remain level. They do not change as you get older. When you retire or terminate employment you simply pay the same premium rate direct to the company rather than on payroll deductions.

    Select coverage on yourself, your spouse and/or children and grandchildren in case of a terminal illness diagnosis, policy holder can receive up to 50% of death benefit while still living.

    EVIDENCE OF INSURABILITY (EOI)

    If you do not enroll when first offered, you will be required to provide a statement or proof of medical history.

    Employees’ spouse and children may increase their amount of insurance each year up to the guaranteed issue level without evidence of insurability, as long as they initially enrolled in the program at first offering or as a New Hire. 

    For more information, please review this Benefit Summary.

    Employee Benefit Options

    Employees can choose to purchase coverage for yourself in the following amounts:

    • $15,000
    • $30,000
    • $40,000
    • $50,000

    Spouse Benefit Options (age 15-80)

    You can choose to purchase coverage for your spouse in the following amounts:

    • $10,000
    • $15,000
    • $20,000 

    Child Benefit Options

    You can also elect to purchase coverage for your dependent child(ren) and grandchildren even if you do not purchase coverage for yourself or your spouse.  Dependent children are covered from 14 days up to age 26 years of age.
    You can choose $10,000 or $15,000 of juvenile life insurance.  

    Rates

    See a Benefit Counselor during Annual Open Enrollment to get rates for you and your family members. 


    Questions?

    We are here to assist with any of your benefits questions. Email us at enrollment@houze.org, call us toll-free at 1-800-523-7135.

    Benefits Contact

    Myra Ingle
    Payroll/Employee Benefits Coordinator
    (706) 602-6612
    inglem@calhounschools.org

    Summary of Benefits

    Click below to download and review a Summary of Benefits document (.pdf).

    SUMMARY OF BENEFITS
    Houze & Associates