Financial Protection Life insurance Basic life insurance One of the most important things about life insurance is the financial peace of mind it gives you and your loved ones. UnitedHealthcare offers basic life insurance that allows you to provide for others if you pass away. Please see your official benefit information for specific coverage amounts and terms. Features: • Basic life insurance • Beneficiary services • Accidental death and dismemberment insurance Basic life insurance. With this policy, we make a payment to your beneficiaries if you die. Your employer decides the amount of coverage your policy will have. Beneficiary services. To provide extra support at a difficult time, we offer special beneficiary services to surviving family members, including grief consultation and financial and legal assistance. This benefit is provided at no extra premium cost.