Financial Protection Life insurance Basic life insurance with dependent coverage 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, including the option to cover your dependents. Please see your official benefit information for specific coverage amounts and terms. Features: • Basic life insurance • Optional dependent life insurance • Accidental death and dismemberment insurance • Beneficiary services 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. Optional dependent coverage. You have the option to expand your life insurance coverage to include dependent coverage for your spouse and/or dependent children.