Unum Group

Workplace insurer selling disability, life and supplemental benefits through employers

What Unum does

Unum Group sells insurance that employers offer to their workers as benefits, such as coverage that replaces income if an employee becomes disabled, plus life, accident, dental and vision insurance. It operates mainly in the United States, with additional business in the United Kingdom and Poland. It was founded in 1848 and is headquartered in Chattanooga, Tennessee.

How Unum makes money

Unum collects insurance premiums on group and voluntary benefit policies sold through employers and pays out claims; it also earns returns by investing the premiums it holds until claims are paid.

Products & services

• Group long-term and short-term disability insurance
• Group life and accidental death & dismemberment (AD&D) insurance
• Voluntary benefits including individual disability, dental and vision
• Colonial Life accident, sickness, cancer and critical illness coverage
• Unum International group pensions and UK/Poland protection products