How Unum Benefits Evolve with You at Every Life Stage

Your life changes — and your insurance needs change with it. From your first job to raising a family, facing health challenges, or planning for retirement, it’s important that your workplace benefits adapt to your evolving priorities.

That’s where Unum stands out. As one of the leading providers of life, disability, and supplemental insurance, Unum is designed to grow with you — every step of the way.

In this guide, we’ll show how Unum supports you across five key life stages, with coverage that fits your real life.

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🎓 Stage 1: Starting Your Career (20s–30s)

You’re building your future — and likely working full-time for the first time. It’s the best time to lay the foundation for financial protection.

What Unum offers at this stage:

• Basic life insurance (often employer-paid)
• Short-term disability (STD) for illness or injury
• Supplemental life insurance — no medical exam for most entry amounts
• EAP services for mental health, stress, or financial help

💡 Why it matters: Even if you’re young and healthy, injuries or life events can happen. Having affordable protection now can prevent major setbacks later.

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👨‍👩‍👧 Stage 2: Growing Your Family (30s–40s)

As you marry, buy a home, or have children, your responsibilities increase — and so does the need for higher protection.

What Unum offers at this stage:

• Dependent life coverage for spouse and children
• Higher limits on life insurance and AD&D
• Long-term disability (LTD) coverage in case of major illness
• Maternity and paternity leave support via STD or EAP tools
• Access to will prep, legal advice, and financial planning

💡 Why it matters: Your family depends on your income — Unum ensures that if something happens, their lifestyle is protected.

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🧠 Stage 3: Managing Midlife Changes (40s–50s)

This is when many professionals are at their peak — but also managing aging parents, career shifts, or personal health changes.

What Unum offers at this stage:

• Flexible life insurance riders to increase or adjust coverage
• Mental health support via EAP (grief, caregiving, burnout)
• Portability options if you change jobs
• Tools to assess retirement readiness and estate planning
• Disability coverage for chronic or stress-related conditions

💡 Why it matters: Life is complex. Unum gives you flexible, adaptable coverage that moves with your priorities.

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🧓 Stage 4: Planning for Retirement (50s–60s)

You’re focused on stability, legacy, and making sure your financial affairs are in order. You might be thinking: will my coverage follow me after I leave work?

What Unum offers at this stage:

• Conversion options for life insurance (group → individual whole life)
• Portability if retiring or shifting to part-time
• Estate and will preparation tools
• Financial counseling for retirement transitions
• Coverage that extends beyond employment (with proper notice)

💡 Why it matters: You’ve worked hard — Unum helps protect your legacy and provides peace of mind into retirement.

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🏡 Stage 5: Post-Retirement Support (60s+)

Even in retirement, some Unum benefits may continue if you’ve ported or converted your coverage.

What Unum may offer post-employment:

• Continued life insurance with level premiums
• Final expense coverage
• Ongoing EAP access, if negotiated in retirement benefits
• Support for caregiving spouses or adult children

💡 Why it matters: Unum’s portability and conversion features allow your policy to follow you into retirement — without starting from scratch.

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📋 How to Make the Most of Unum at Every Stage

Life Stage	Key Unum Benefits to Focus On
Early Career	Basic life, STD, mental health, financial planning
Family Building	Supplemental life, LTD, EAP, spouse/child coverage
Midlife Management	Riders, portability, estate tools, stress support
Retirement Prep	Conversion, financial wellness, coverage review
Post-Retirement	Converted life policy, final expense, caregiving support

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💬 Real-Life Example: Coverage That Grows With You

Carlos started with Unum life and disability coverage at age 26. Over time, he:

• Added his spouse and child as dependents
• Increased coverage after buying a home
• Used Unum’s EAP during a family illness
• Converted his policy to whole life at retirement

💬 “I didn’t realize how useful Unum would be until life happened. It was there for every milestone.”

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Final Thoughts

You shouldn’t have to switch providers every time your life changes. With Unum, your benefits evolve with your career, family, and future — giving you:

✔️ Peace of mind in your 20s
✔️ Security in your 30s and 40s
✔️ Flexibility in your 50s
✔️ Continuity into retirement

👉 Whether you’re just getting started or planning your legacy, Unum is built to be with you — for life.