Group Term Life Plan

Peace of mind for your family—protection for their future

Brochure & Application

Coverage designed with you in mind

With coverage amounts up to $1,000,000, you can select the amount that best protects your loved ones. And, as your needs increase, you can simply apply for more coverage.

Among other things, the insurance benefit can be used to help:

  • Provide for your family’s expenses (mortgage, bills, car payments, etc.)
  • Safeguard your children’s future (child care, college expenses, weddings, etc.)
  • Secure retirement income for your spouse
  • Help settle your estate, pay estate taxes, and satisfy other final expenses so your family won’t be burdened.

Additional Plan Features:

  • You can get up to $120,000 with no health questions.
  • An Accelerated Benefit Option feature allows you to receive 50% of your benefit up to $750,000 if terminally ill with a life expectancy of 12 months or less*  


Coverage that you can take with you

The Plan has a portability feature that allows you to keep your coverage even if you change jobs, as long as you remain a Middlesex County Bar Association member.


Have any questions or concerns?
Please call 800-223-5433, ext. 806, or email This email address is being protected from spambots. You need JavaScript enabled to view it.



Optional Benefits:

Depending on your needs, additional options are available under the Plan:

  • Accidental Death & Dismemberment Coverage (AD&D)
    • You have the option to elect additional coverage, up to a maximum of $500,000, that pays a benefit amount if you die by accident.
  • Spousal Coverage
    • You can insure your spouse up to $250,000; with up to $25,000 with no health questions.
  • Dependent Child Coverage
    • You can insure your eligible dependent children with up to $10,000 of term life insurance. Coverage begins at your child’s birth; there is no waiting period and no evidence of insurability is required. The cost is added to your Member Term Life premium.
  • Accelerated Death Benefit Option
    • The Group Term Life Plan includes this important feature for insured members diagnosed with a terminal illness, with a life expectancy of 12 months or less. Subject to the terms of the contract, 50% of your coverage amount to a maximum of $750,000 may be payable to you to assist you and your family. The amount payable at death is then reduced by the accelerated benefit amount paid. Please consult with your tax advisor to review any tax implications.


Underwritten by: Unum Life Insurance Company of America, Portland Maine.

Coverage is made available as long as you maintain your membership in the Middlesex County Bar Association. sponsoring association.

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