Financial Protection Income replacement: • Total annual income your family would need if you died today: $ ____________ Estimate: Total amount your family needs, before taxes, to maintain their current standard of living (typically 60%–75% of total income). About us. UnitedHealthcare Specialty Benefits unites health and financial well-being for individuals and organizations through integrated and personally relevant products, services and technologies. Our parent company, UnitedHealth Group, is a Fortune 25 company with strong ratings from independent reviewers Standard & Poor’s and A.M. Best. You can count on us to meet our financial obligations. Planning for future needs: • College funding needs: $ ____________ Estimate: Total projected college costs including tuition, plus expenses (room and board/books), can range from $15,000–$40,000 or higher, depending on the type of school. Be sure to consider expenses for each child. Total estimated expenses: $ ____________ You may also want to multiply by an estimated inflation rate of 3.5%. Compare these total estimated expenses to the total amount of life insurance coverage you currently have, including individual policies and group term coverage available at your work. If there is a gap, you might want to consider purchasing more life insurance for your family. This should not be viewed as a comprehensive assessment. For more information and a complete appraisal, contact an insurance professional or financial advisor. Enroll today. Start receiving financial peace of mind with a life insurance plan from UnitedHealthcare. UnitedHealthcare Life products are provided by UnitedHealthcare Insurance Company; and in California by Unimerica Life Insurance Company; and in New York by Unimerica Life Insurance Company of New York. UnitedHealthcare Insurance Company is located in Hartford, CT; Unimerica Life Insurance Company is located in Milwaukee, WI; and Unimerica Life Insurance Company of New York is located in New York, NY. Specialty benefits and programs may not be available in all states or for all group sizes. Components are subject to change. 100-0233 01/12 ©2012 United HealthCare Services, Inc.