UniCare Term Life Insurance
UniCare offers a term life insurance benefit that can be included with UniCare individual medical insurance.
This coverage is underwritten by UniCare Health Insurance Company of the Midwest. Particular advantages of the UniCare life insurance option include:
- No medical exams
- Only one bill for health and life coverage
- Available with all UniCare "under 65" medical plans
- You may choose life insurance for all your individual family members.
- There are no additional forms to complete.
UniCare Term Life Monthly Rates
The following unisex monthly rates apply for UniCare optional term life insurance:
Benefit Amount
Age
$15,000
$25,000
$50,000
40-49
$7.50
$12.50
$25.00
50-59
$20.85
$34.75
$69.50
60-64
$29.40
$49.00
$98.00
How to Apply for UniCare Life
Complete the Term Life Insurance section of the UniCare health insurance application. This option is available on both the paper application form and on the UniCare online application.
UniCare Term Life Limitations
- New Applicants must meet UniCare's medical underwriting guidelines to qualify for Term Life Insurance Coverage.
- The $50,000 option is not available to applicants under the age of 19. If selected by an approved applicant under the age of 19, coverage will default to $25,000.
- Applicants under the age of 1 are not eligible for Life Insurance.
- Applicants age 65 or over are not eligible for Life Insurance.
- If Dependent Children are insured for Life, all of the Dependent Children must be insured for the same amount of Life coverage, under the Subscriber's enrollment.
- An insured individual will automatically be cancelled on the last day of the month of his/her 65th birthday. Eligible Spouses and Dependents may continue the Life Insurance.
- After no longer qualifying as an eligible spouse or dependent under the Medical, the spouse or dependent may keep the Life coverage.
- Each person, including each dependent child, insured for Life will be billed for the Life premium.
