Unum review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Unum is an insurer, not a shop, so cover reaches you through an employer scheme. It trades as Unum Group across life, health, dental, critical illness, income protection and pet lines, and claims run on online, mobile app and fax.

Key facts

Best for
Employer benefit packages that need several insurance lines under one provider.
Insurance types
Life, Health, Dental, Critical-illness, Income-protection, Pet (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Claims channels
Online, Mobile-app, Fax, Mail, Direct-deposit (Source, checked September 26, 2026)
Legal entity
Unum Group (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
1848 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
unum.com

Apps and profiles

Elsewhere
WikidataWikipediaXLinkedInfacebook.com

Pros and cons

Pros

  • The same insurer covers life, health and dental, so staff are not passed between separate companies for different benefits.
  • Claims can be started or settled through online, mobile app and fax, including online and app routes and direct deposit.
  • Support is handled on phone and help centre, and the company behind the brand is Unum Group.

Cons

  • Support runs on phone and help centre only, so there is no live chat or email thread listed.
  • Cover reaches you as an insurer through your employer's scheme, so buying on your own is not the route here.
  • The pet line is licensed state by state in the United States, under licence 21124330, so cover is written for that market.
Unum

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Scored 9.6 / 10 by AssureCue.

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Who it suits

  • Employees whose benefits are arranged by an employer, since the product pages are written for scheme members.
  • Employers bundling life, health, dental, critical illness, income protection and pet cover from life, health and dental.
  • Pet owners in the US comfortable with state-by-state licensing under 21124330.

Who should look elsewhere

  • Linxea covers life for buyers arranging a policy on their own rather than through work.
  • Oney Préstamos ES carries health, life and gadget for people who come to cover through a lender.
  • Good Sam Insurance Agency spans auto, home and renters, so it also covers a car or home.

How Unum compares

Where Unum is available

Available
United States
Licence in United States
US state insurance departments (Unum Insurance Agency, LLC) (21124330), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is Unum an insurer or a broker?+

Unum is an insurer and trades as Unum Group, headquartered in the United States. Cover reaches members through employer benefit schemes, so the contract sits with the group rather than with a comparison site. The company has traded since 1848.

Which types of cover are on offer?+

The list runs to life, health and dental, which covers the standard workplace lines from life and health through to dental, critical illness, income protection and pet policies. Each type comes from the same insurer, which keeps an employer benefits package in one place.

How do I make a claim?+

Claims run on online, mobile app and fax, a mix of online and app routes alongside fax, mail and direct deposit. That suits members who like to start a claim on a phone and have the payment land in an account rather than arrive on paper.

How do I get help from Unum?+

Support runs on phone and help centre, so you reach the company by phone or through the help centre. A live chat or an email thread is not one of the listed support channels, and the claim routes above sit apart from these support lines.

Is Unum regulated?+

The pet business is licensed by US state insurance departments under licence 21124330, and the group is based in the United States. Licensing sits with individual states, so the details differ by where a pet policy is written.

Can I buy Unum cover myself?+

Cover is arranged through employer benefits, and the brand is an insurer rather than a shop. For a policy taken out in your own name, Linxea offers life, while Good Sam Insurance Agency handles auto, home and renters.

How does Unum compare with other providers?+

Unum's mix is life, health and dental, all arranged through work. Oney Préstamos ES carries health, life and gadget for people who come through a lender, and Good Sam Insurance Agency covers auto, home and renters.

Where is Unum based and how old is it?+

The legal entity behind the brand is Unum Group, with headquarters in US and a history reaching back to 1848. The pet business trades separately as Unum Insurance Agency, LLC, licensed through 21124330.

Sources

  • unum.com/about/unum-group/history checked September 26, 2026

    Backs: Founded

    “Since our founding in 1848, Unum has been a leader in the employee benefits business”

  • unum.com/employees/benefits checked September 26, 2026

    Backs: Insurance types

    “Disability Insurance ... Accident Insurance ... Critical Illness Insurance ... Dental Insurance ... Hospital Insurance ... Life Insurance ... Vision Insurance ... Pet Insurance”

  • unum.com/employees/benefits/critical-illness-insurance checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity

    “Unum insurance products are underwritten by the subsidiaries of Unum Group.”

  • unum.com/pet-insurance-state-licensing checked September 26, 2026

    Backs: Licences

  • unum.com/support/employees/contact-us checked September 26, 2026

    Backs: Claims channels, Support channels

    “File claims online and avoid mail delays ... Fax claims information ... mail or fax your completed form ... Receive claims payments fast via direct deposit”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

Unum

Unum

Employer benefit packages that need several insurance lines under one provider.

9.6/10See alternatives

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