User guide - including general terms - IIS7

Income Protection policyUser guide - including general termsIncome ProtectionBecause everyone needs a back-up planPage 2 of 46UP841 02 2016 Income Protection policyUser guideThis document: Explains the main features of our Income Protection (IP) product Includes the general terms which contain the detail of the insurance contract between the policyholder and Unum. The general terms and the policy document including the policy coverage document should be read as if they were one document. If parts of the user guide are referred to in the general terms or the policy coverage document, those parts also become part of the policy. If there is any difference between them or any ambiguity, the terms in the policy coverage document will apply Is designed for use by commercial customersThe policy provides: A monthly benefit if a member is unable to work because of illness or injury for an agreed length of time The option to provide: Additional benefits covering associated business ex

UP841 02–2016 Page 2 of 46 Income Protection policy User guide This document: • Explains the main features of our Income Protection (IP) product

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