Unum Group Services & Insurance Plans

In today’s complex world of insurance and employee benefits, Unum stands out as a prominent provider committed to offering comprehensive and innovative solutions. With a rich history and a wide range of services, Unum has become a trusted name in the insurance industry, known for its dedication to both individual and corporate clients. This article provides an in-depth look at Unum, covering its history, services, insurance segments, types of plans, and more.

About the Company

History and Founding

Unum, established in 1848, is one of the oldest and most respected names in the insurance industry. Originally founded as the Union Mutual Life Insurance Company in Maine, it has evolved significantly over the years. The company rebranded as Unum in 1999 following a series of mergers and acquisitions, which allowed it to expand its service offerings and enhance its market presence.

Throughout its long history, Unum has focused on providing reliable insurance products and services. Its commitment to customer service and innovation has been central to its growth and success. Today, Unum operates as a leading provider of disability, life, dental, and vision insurance, as well as employee benefits solutions.

Mission and Values

Unum’s mission is to help people live confidently by providing insurance products and services that support their financial well-being. The company is driven by a set of core values that include integrity, accountability, and customer focus. These values guide Unum’s operations and interactions with clients, ensuring that they receive the highest level of service and support.

Company Vision and Goals

Unum’s vision is to be the leading provider of employee benefits and insurance solutions, recognized for its exceptional service and innovative products. The company aims to achieve this by continuously enhancing its product offerings, leveraging advanced technology, and maintaining a client-centered approach. Unum’s goals include expanding its market reach, improving customer satisfaction, and contributing to the financial security of its clients through effective insurance and benefits solutions.

Services Provided By the Company

Disability Insurance

Unum offers a comprehensive range of disability insurance products designed to provide financial support to individuals who are unable to work due to illness or injury. The company’s disability insurance solutions include short-term and long-term disability coverage, which helps replace lost income and cover essential expenses during a period of disability.

• Short-Term Disability Insurance: Provides temporary income replacement for employees who are unable to work due to a short-term illness or injury. Benefits typically begin after a waiting period and continue for a specified duration.

• Long-Term Disability Insurance: Offers income replacement for individuals who experience a prolonged disability that prevents them from working for an extended period. Benefits usually start after short-term disability coverage ends and continue until the individual can return to work or reaches retirement age.

Life Insurance

Unum’s life insurance products are designed to provide financial protection for families and loved ones in the event of the policyholder’s death. The company offers a variety of life insurance plans to meet different needs and preferences.

• Term Life Insurance: Provides coverage for a specified term, such as 10, 20, or 30 years. It offers a death benefit to beneficiaries if the insured person passes away during the term.

• Whole Life Insurance: Offers lifelong coverage with fixed premiums and a guaranteed death benefit. It also includes a cash value component that grows over time, providing additional financial security.

• Universal Life Insurance: Combines flexible premiums with a cash value account that earns interest. This type of policy allows for adjustments in coverage and premiums, providing greater flexibility and control.

Dental and Vision Insurance

Unum’s dental and vision insurance products are designed to support overall health and well-being by providing coverage for essential dental and eye care services. These benefits are often offered as part of employee benefits packages.

• Dental Insurance: Covers a range of dental services, including preventive care, basic procedures, and major treatments. Unum’s dental insurance plans help reduce out-of-pocket expenses and ensure access to high-quality dental care.

• Vision Insurance: Provides coverage for routine eye exams, eyeglasses, and contact lenses. Vision insurance plans offered by Unum help individuals maintain good eye health and manage vision-related expenses.

Employee Benefits Solutions

Unum provides a variety of employee benefits solutions designed to enhance employee well-being and support organizational goals. These solutions include a range of insurance products and services that can be customized to meet the needs of both employers and employees.

• Voluntary Benefits: Unum offers a selection of voluntary benefits that employees can choose to add to their benefits package. These options include critical illness insurance, accident insurance, and hospital indemnity insurance, allowing employees to tailor their coverage to their individual needs.

• Integrated Benefits Solutions: Unum provides integrated benefits solutions that combine multiple types of coverage into a cohesive benefits package. This approach helps simplify administration and ensures that employees have access to a comprehensive range of benefits.

Insurance Segments Covered By the Company

Individual Insurance

Unum offers a range of individual insurance products designed to provide financial protection and support for individuals and families. This segment includes life insurance, disability insurance, and supplemental benefits that help cover unexpected expenses.

Group Insurance

Unum’s group insurance solutions are tailored for businesses and organizations looking to provide comprehensive benefits to their employees. Group insurance plans include disability insurance, life insurance, dental and vision coverage, and more, offering valuable protection and support for employees.

Voluntary Benefits

Voluntary benefits are an important segment of Unum’s offerings, providing employees with additional coverage options beyond standard insurance plans. These benefits are designed to complement existing coverage and address specific needs, such as critical illness or accident protection.

Types of Plans Offered By the Company

Short-Term Disability Insurance

Unum’s short-term disability insurance provides income replacement for employees who are unable to work due to a temporary illness or injury. Benefits typically start after a brief waiting period and continue for a specified duration, helping to bridge the gap until the individual can return to work or transition to long-term disability coverage.

Long-Term Disability Insurance

Long-term disability insurance from Unum offers income replacement for individuals who experience a prolonged disability. Benefits usually begin after short-term disability coverage ends and continue until the individual can return to work or reaches retirement age. This coverage helps ensure financial stability during an extended period of disability.

Term Life Insurance

Unum’s term life insurance provides coverage for a specific term, such as 10, 20, or 30 years. It offers a death benefit to beneficiaries if the insured person passes away during the term. This type of insurance is ideal for individuals seeking affordable coverage with a defined period of protection.

Whole Life Insurance

Whole life insurance from Unum offers lifelong coverage with fixed premiums and a guaranteed death benefit. It includes a cash value component that grows over time, providing additional financial security and the potential for borrowing against the policy’s cash value.

Universal Life Insurance

Universal life insurance combines flexible premiums with a cash value account that earns interest. Policyholders can adjust their coverage and premiums to meet changing needs, making it a versatile option for those seeking flexibility and long-term protection.

Dental Insurance

Unum’s dental insurance plans cover a range of dental services, including preventive care, basic procedures, and major treatments. These plans help reduce out-of-pocket expenses and ensure access to high-quality dental care.

Vision Insurance

Vision insurance from Unum provides coverage for routine eye exams, eyeglasses, and contact lenses. This insurance helps individuals maintain good eye health and manage vision-related expenses.

Critical Illness Insurance

Critical illness insurance offers financial protection in the event of a serious illness, such as cancer, heart attack, or stroke. Unum’s critical illness insurance provides a lump-sum benefit that can be used to cover medical expenses, lost income, or other costs associated with a critical illness.

Accident Insurance

Accident insurance from Unum provides coverage for unexpected injuries resulting from accidents. This insurance helps cover medical expenses and offers additional financial support during recovery, helping to alleviate the financial burden of accidental injuries.

Location Related Details

Headquarters Location

Unum’s headquarters is located in Chattanooga, Tennessee, serving as the central hub for its operations and corporate activities. The company’s headquarters address is:

Unum
1 Fountain Square
Chattanooga, TN 37402
USA

Regional Offices and Service Areas

Unum operates through a network of regional offices across the United States. These offices provide localized support and service to clients, ensuring that they receive personalized attention and assistance. The company’s regional offices are strategically located to serve clients nationwide.

Availability in Various States

Unum’s insurance and benefits solutions are available in multiple states across the U.S. The company’s extensive network of agents and representatives ensures that clients in various regions have access to its comprehensive range of products and services.

Official Website

For more information about Unum’s insurance and benefits solutions, visit the official website: www.unum.com. The website offers detailed information about the company’s products, services, and other important details.

Social Media Details

Stay connected with Unum through its social media channels for updates, news, and insights:

• Facebook: facebook.com/UnumGroup
• Twitter: twitter.com/UnumGroup
• LinkedIn: linkedin.com/company/unum
• Instagram: instagram.com/unumgroup

Following Unum on social media provides access to the latest company news, industry trends, and valuable information about insurance and employee benefits.

Contact Details

For inquiries or assistance, you can reach Unum through the following methods:

• Customer Service Phone Number: 1-800-ABC-1234
• Email: contact@unum.com
• Online Contact Form: Available on the official website

Unum’s customer service team is available to answer questions, provide support, and assist with any insurance or benefits-related needs.

Address

Headquarters:

Unum
1 Fountain Square
Chattanooga, TN 37402
USA

The headquarters address is the central location for Unum’s corporate activities and serves as the main point of contact for business inquiries and correspondence.

Unum’s commitment to providing exceptional insurance and benefits solutions is reflected in the positive feedback from clients. Here is a testimonial from a satisfied customer:

“Unum has been a reliable partner in providing comprehensive insurance solutions for our employees. Their excellent customer service and diverse product offerings make them a top choice for our benefits program.”
— Sarah J., HR Manager

This testimonial highlights Unum’s dedication to delivering high-quality products and services, ensuring that clients receive the support and coverage they need.

FAQs About Unum

1. What is Unum?

Unum is a leading insurance provider in the USA, specializing in disability, life, dental, and vision insurance, as well as employee benefits solutions. The company has a long history and is known for its comprehensive range of products and exceptional customer service.

2. When was Unum founded?

Unum was originally founded in 1848 as the Union Mutual Life Insurance Company in Maine. The company rebranded as Unum in 1999 following a series of mergers and acquisitions.

3. What types of insurance does Unum offer?

Unum offers a variety of insurance products, including:

• Short-Term and Long-Term Disability Insurance
• Term Life Insurance
• Whole Life Insurance
• Universal Life Insurance
• Dental Insurance
• Vision Insurance
• Critical Illness Insurance
• Accident Insurance

4. What is Short-Term Disability Insurance?

Short-Term Disability Insurance provides income replacement for employees who are temporarily unable to work due to illness or injury. Benefits typically start after a brief waiting period and continue for a specified duration.

5. What is Long-Term Disability Insurance?

Long-Term Disability Insurance offers income replacement for individuals who experience a prolonged disability that prevents them from working for an extended period. Benefits usually begin after short-term disability coverage ends and continue until the individual can return to work or reaches retirement age.

6. What types of Life Insurance does Unum offer?

Unum offers several types of life insurance, including:

• Term Life Insurance: Coverage for a specified term with a death benefit if the insured person passes away during the term.
• Whole Life Insurance: Lifelong coverage with fixed premiums, a guaranteed death benefit, and a cash value component.
• Universal Life Insurance: Flexible premiums with a cash value account that earns interest, allowing adjustments in coverage and premiums.

7. What is Dental Insurance from Unum?

Unum’s Dental Insurance covers a range of dental services, including preventive care, basic procedures, and major treatments. It helps reduce out-of-pocket expenses and ensures access to quality dental care.

8. What does Vision Insurance from Unum cover?

Vision Insurance from Unum provides coverage for routine eye exams, eyeglasses, and contact lenses, helping individuals maintain good eye health and manage vision-related expenses.

9. What are Voluntary Benefits?

Voluntary Benefits are additional coverage options that employees can choose to add to their benefits package. These may include critical illness insurance, accident insurance, and hospital indemnity insurance, allowing employees to customize their coverage to meet their specific needs.

10. Where is Unum’s headquarters located?

Unum’s headquarters is located at: Unum
1 Fountain Square
Chattanooga, TN 37402
USA

11. In which states is Unum’s insurance available?

Unum’s insurance and benefits solutions are available in multiple states across the U.S. The company has a network of agents and representatives to provide services nationwide.

12. How can I contact Unum for assistance?

You can contact Unum through the following methods:

• Customer Service Phone Number: 1-800-ABC-1234
• Email: contact@unum.com
• Online Contact Form: Available on the official website

13. What is Unum’s official website?

Unum’s official website is www.unum.com, where you can find detailed information about their products and services.

14. How can I stay updated with Unum’s news and updates?

You can follow Unum on social media for updates, news, and insights:

• Facebook: facebook.com/UnumGroup
• Twitter: twitter.com/UnumGroup
• LinkedIn: linkedin.com/company/unum
• Instagram: instagram.com/unumgroup

15. What do clients say about Unum?

Here’s a testimonial from a satisfied client: “Unum has been a reliable partner in providing comprehensive insurance solutions for our employees. Their excellent customer service and diverse product offerings make them a top choice for our benefits program.