It's difficult to consider: the death of a loved one or the diagnosis of a terminal illness. When you or your loved one are faced with the unexpected, even the financial questions that arise can be overwhelming...

• Will there be enough money to maintain our standard of living?
• How will I ever manage all the required paperwork?
• What should I do with our investments?
• What are the tax implications of my decisions?
• Are there government programs to help me train for a better job?
• How should my property be titled?

Wouldn't it be a relief to have an experienced professional you can trust to assist you or your family in your time of need? Fortunately, you do.

With your Unum life insurance coverage, you or your spouse/partner are eligible for the survivor financial counseling services -free, objective and comprehensive financial counseling should you or your family need it.

Survivor financial counseling services are included in most life insurance plans underwritten by Unum Life Insurance Company of America and First Unum Life Insurance Company. See your plan administrator for details.

Survivor financial counseling services are provided exclusively by the Ayco Company L.P., a Goldman Sachs Company. These services may be withdrawn by Unum without prior notice.

Insurance products are underwritten, sold, and provided by the subsidiaries of Unum Group. Not all companies do business in all jurisdictions. In New York, products are offered by First Unum Life Insurance Company.