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How do I access the survivor financial counseling
services?
Should you or your insured spouse/partner die, an Ayco employee will contact
the survivor soon after to set up an appointment with a financial counselor to
discuss your financial objectives. If you or your insured spouse are diagnosed
with a terminal illness, simply contact our Benefits Center at 1-800-858-6843,
and someone will set up an appointment for you or your survivor with a
financial counselor.
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Do I have to pay to use these services?
No. The survivor financial
counseling services are offered at no additional cost to you or your survivor,
and there are no "sales pitches" used asking you or your survivor to buy
anything at any time.
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Who provides the survivor financial counseling services?
The services are included as part of the group life
insurance benefits provided through your employer. Actual financial counseling
is provided through Unum's service arrangement with The Ayco Company
L.P., a Goldman Sachs Company, one of the nation's oldest and largest financial
counseling firms.
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Are these services confidential?
Absolutely. Your personal financial information will be
strictly confidential and will not be shared with anyone except you or your
survivor and the assigned financial counselor.
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Will I speak to the same financial counselor each time?
You or your survivor may choose to speak with the same
financial counselor for each scheduled consultation, or choose from one of
hundreds of expert counselors, including certified financial planners (CFP's),
attorneys and certified public accountants (CPA's).
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What if I already have an attorney or CPA? Would I still benefit from these
services?
Yes. These services are designed to
coordinate and supplement — not replace — the efforts of your employer, banker,
attorney, CPA or other financial counselors. The programs counselor can work
with these professionals to help you or your survivors.
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How long can survivor financial counseling services be
used?
These services are available for up to 12 months
following the initial telephonic meeting.
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What is the minimum life insurance benefit amount
necessary to receive the survivor financial counseling services?
There is no minimum benefit requirement for you or your
family to qualify for this service.
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