Estate planning at Unum
How to protect 10 Unum accounts — manage beneficiaries online, fund a trust by mail, and file claims through Unum's Unum Portability and Conversion Unit
Customer Service
The Benefits Center, P.O. Box 100158, Columbia, SC 29202-3158
Unum Portability and Conversion Unit
Unum, Portability and Conversion Unit, 2211 Congress Street, Portland, ME 04122
The Benefits Center - Group Life and Accidental Death Claims
The Benefits Center, P.O. Box 100158, Columbia, SC 29202-3158
With 10 products relevant to estate planning, Unum policyholders need to understand how beneficiary designations control where proceeds go. These designations override a will, so the names on file with Unum are what determine who receives the death benefit.
Unum lets account holders update beneficiary designations online, by mail, and by phone, typically taking 10-15 minutes in an employer benefits system; 15-20 minutes on the paper CS-1277 for ported coverage. Trust funding is also available, allowing families to name a trust as the policy beneficiary or establish an irrevocable life insurance trust (ILIT).
Unum provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust by mail, and review 10 account types at Unum.
View details →When someone dies
Death claim process
Contact Unum's Unum Portability and Conversion Unit to file a claim. 5-step process, 10 required documents, and contact information for survivors.
View details →Unum's Unum Portability and Conversion Unit can answer questions about beneficiaries, trusts, or death claims at 1-800-421-0344. Email inquiries can be sent to PortabilityConversion@unum.com.
Sources
Data sourced from Unum primary sources (18 pages reviewed). How we research.
Customer Service
The Benefits Center, P.O. Box 100158, Columbia, SC 29202-3158
Unum Portability and Conversion Unit
Unum, Portability and Conversion Unit, 2211 Congress Street, Portland, ME 04122
The Benefits Center - Group Life and Accidental Death Claims
The Benefits Center, P.O. Box 100158, Columbia, SC 29202-3158
Estate planning articles
Learn how to protect your Unum accounts and other assets with trusts, beneficiary designations, and estate planning documents.
