Whole Life Insurance

Whole Life Insurance provides permanent life insurance coverage and can help provide financial protection for your loved ones by paying a benefit to your beneficiaries if you die. Unlike term life insurance, whole life coverage does not expire as long as premiums are paid and includes a cash value feature that grows over time.

Special Enrollment Period: July 1-July 31, 2026

Eligible employees may enroll in up to $150,000 of coverage without medical questions.

Eligibility

Active State Employees are eligible for Group Whole Life Insurance if they work at least 17.5 hours per week and are enrolled in Basic Group Life Insurance.

How to Enroll

Meet with a Colonial Life benefits counselor to learn more about Whole Life coverage, ask questions, and enroll.

During the July 1–31, 2026 special enrollment period, Colonial Life benefits counselors will be onsite at select agencies to answer questions and assist with enrollment. If onsite enrollment is available at your agency, your agency contact will provide the schedule.

To request your brief appointment, you can:

Call 833-703-1967, Monday through Friday, 8 a.m. to 8 p.m. ET. You will be prompted to enter the employer code 1357722. Please note: Colonial Life manages the telephonic enrollment center for Unum, which is why their name is mentioned in the HIPAA statement when you call.
Email ColonialHR@Colcapitol.com

The premiums are conveniently payroll deducted from your paycheck. Before your enrollment appointment, have a copy of your paystub ready. You will need your employee ID number and job record number to complete your enrollment.

Benefit Offerings

You can purchase coverage for yourself, a spouse, and/or your children.

Employee coverage: $10,000–$150,000 in $10,000 increments (ages 15–75)
Spouse coverage: $10,000–$50,000 in $10,000 increments (ages 15–75)
Child coverage: $10,000–$20,000 through the Children’s Term Rider for eligible children from birth to age 26
Coverage amounts for spouses and children cannot exceed 100% of the employee’s coverage amount
Certain coverage amounts may be available without medical underwriting during eligible enrollment periods. Contact Unum for current eligibility and enrollment details.

Unum’s Group Whole Life Insurance includes an Accelerated Death Benefit for Long Term Care with Restoration of Benefits Rider, which may allow you to use part of your life insurance benefit to help pay for qualifying long-term care expenses.

Contact Unum at 833-703-1967 (Employer Code: 1357722) for more details on coverage amounts and any restrictions.

Whole Life with Restoration of Benefits Rider Whole Life Basics Why Buy Whole Life

Need Help?

Speak with a Colonial Life/Unum benefits counselor to enroll in Whole Life insurance coverage, or for questions about coverage options, premiums, benefits, claims, or policy details: 833-703-1967 (Employer Code: 1357722)
For questions about eligibility, enrollment, payroll deductions, or State of Connecticut supplemental benefits, contact the Office of the State Comptroller Supplemental Benefits: osc.supplemental-benefits@ct.gov.