UnumProvident is a leader among many insurance companies which sell insurance policies to cover long-term care expenses. UnumProvident's policies are indemnity policies, which pay the full amount of the policy's benefit amount even if the related incurred expenses are less. Also, UnumProvident has been a leader in offering home care coverage not only when the care giver is a licensed professional but also when the caregiver is an unlicensed relative or friend. Below are sample rates for policies with various features. Below is frist a summary of the pages of sample rates based on the policy features described, then followed by the pages. Find the particular page by scrolling down to it.

The below 4 pages cover Nursing and Home Care (including when caegiver is an unlicensed relative or friend) at the benefit rate of $200 per day, 30 day elimination period and with the following variables:

Page A1 - 3 year benefit period (daily benefit of $200 per day is paid for 3 years), with "preferred" health underwriting (20% discount from "standard")

Page A2 - 3 year benefit period (daily benefit of $200 per day is paid for 3 years), with "standard" health underwriting

Page A3 - Lifetime benefit period (daily benefit of $200 per day is paid for the insured person's life), with "preferred" health underwriting (20% discount from "standard")

Page A4 - Lifetime benefit period (daily benefit of $200 per day is paid for the insured person's life), with "standard" health underwriting

The below 4 pages cover Nursing and Home Care (including on when caegiver is a licensed professional) at the benefit rate of $200 per day, 30 day elimination period and with the following variables:

Page B1 - 3 year benefit period (daily benefit of $200 per day is paid for 3 years), with "preferred" health underwriting (20% discount from "standard")

Page B2 - 3 year benefit period (daily benefit of $200 per day is paid for 3 years), with "standard" health underwriting

Page B3 - Lifetime benefit period (daily benefit of $200 per day is paid for the insured person's life), with "preferred" health underwriting (20% discount from "standard")

Page B4 - Lifetime benefit period (daily benefit of $200 per day is paid for the insured person's life), with "standard" health underwriting

Page A1 - 3 year benefit period (daily benefit of $200 per day is paid for 3 years), with "preferred" health underwriting (20% discount from "standard")

Page A2 - 3 year benefit period (daily benefit of $200 per day is paid for 3 years), with "standard" health underwriting

Page A3 - Lifetime benefit period (daily benefit of $200 per day is paid for the insured person's life), with "preferred" health underwriting (20% discount from "standard")

Page A4 - Lifetime benefit period (daily benefit of $200 per day is paid for the insured person's life), with "standard" health underwriting

Page B1 - 3 year benefit period (daily benefit of $200 per day is paid for 3 years), with "preferred" health underwriting (20% discount from "standard")

Page B2 - 3 year benefit period (daily benefit of $200 per day is paid for 3 years), with "standard" health underwriting

Page B3 - Lifetime benefit period (daily benefit of $200 per day is paid for the insured person's life), with "preferred" health underwriting (20% discount from "standard")

Page B4 - Lifetime benefit period (daily benefit of $200 per day is paid for the insured person's life), with "standard" health underwriting