Unum Insurance Review & Ratings (2024)

Here we present our comprehensive Unum Insurance 2023 analysis. In this article, we’ll look at key aspects of Unum Insurance, including coverage options, costs, and customer satisfaction. No matter if you’re considering disability insurance or life insurance, we’ve got you covered. We’ll review the many types of coverage that are offered, go through the costs, and discuss some customer opinions.

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History and Mission of Unum Insurance

Unum Insurance, originally known as the Union Mutual Life Insurance Company, was founded in 1848 and has been providing insurance coverage for over 170 years. The company has undergone several name changes over the years, but its commitment to providing high-quality coverage has remained the same.

Unum’s mission is to help individuals and businesses protect their financial futures. The company believes that everyone deserves the peace of mind that comes with having reliable insurance coverage, and they are dedicated to making that coverage accessible and affordable.

Throughout its history, Unum has been recognized for its commitment to its customers and its contributions to the insurance industry. The company has won numerous awards for its innovative products and services, and it has been recognized for its outstanding customer service.

Unum’s focus on quality and service has helped it become one of the leading providers of disability and life insurance in the United States. The company’s long history of success is a testament to its dedication to its customers and its mission to provide reliable insurance coverage for all.

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Coverage Available From Unum Insurance

Unum Insurance offers a range of insurance products to meet the needs of individuals and businesses. These products include:

• Disability insurance: Unum offers both short-term and long-term disability insurance to help replace lost income due to injury or illness. Disability insurance from Unum can provide a percentage of your income if you become disabled and are unable to work. The coverage can help you pay for bills, groceries, and other expenses during a difficult time.
• Life insurance: Unum provides both term life and permanent life insurance coverage, including whole life and universal life policies. Life insurance from Unum can provide financial protection for your loved ones in the event of your untimely death. The coverage can help your family pay for funeral expenses, outstanding debts, and other expenses.
• Critical illness insurance: This coverage helps pay for medical expenses and other costs associated with a serious illness, such as cancer, heart attack, or stroke. Critical illness insurance from Unum can help cover out-of-pocket costs that may not be covered by your health insurance policy.
• Accident insurance: Unum’s accident insurance can help cover out-of-pocket expenses related to an accidental injury. Accident insurance can help you pay for medical bills, transportation costs, and other expenses that may arise after an accident.
• Hospital insurance: This coverage helps pay for hospital stays, surgeries, and other medical expenses. Hospital insurance from Unum can help you pay for the costs associated with a hospital stay, including room and board, surgery, and other treatments.

Cost of Unum Insurance

The cost of Unum Insurance coverage can vary depending on a number of factors, including the type of coverage you choose, your age, your health status, and other factors. Here are some possible costs for Unum Insurance coverage:

• Disability insurance: Depending on the length of coverage, the amount of benefits you choose, and other factors. For example, a short-term disability insurance policy might cost around $25 to $50 per month, while a long-term disability policy could cost anywhere from $100 to $300 per month or more.
• Life insurance: Depending on the type of policy you choose, the amount of coverage you need, and your age and health status. For example, a healthy 35-year-old might pay around $20 to $30 per month for a $500,000 term life insurance policy, while a healthy 55-year-old might pay around $100 to $150 per month for the same coverage.
• Critical illness insurance: Depending on the type of coverage you choose, the amount of benefits you need, and other factors. For example, a policy that provides $50,000 in coverage might cost around $20 to $40 per month, while a policy that provides $100,000 in coverage could cost around $40 to $80 per month.
• Accident insurance: Depending on the amount of coverage you choose and other factors. For example, a policy that provides $10,000 in coverage might cost around $10 to $20 per month, while a policy that provides $50,000 in coverage could cost around $50 to $100 per month.
• Hospital insurance: Depending on the type of coverage you choose, the length of coverage, and other factors. For example, a policy that provides coverage for a hospital stay might cost around $20 to $40 per month, while a policy that provides coverage for a longer period of time could cost more.

States Where Unum Insurance is Available

Unum Insurance is available in most states across the United States, with coverage options varying by state. Here are some of the major states where Unum Insurance is available:

• California
• Texas
• New York
• Florida
• Illinois
• Pennsylvania
• Ohio
• Michigan
• Georgia
• North Carolina
• Virginia
• Massachusetts
• Colorado
• Arizona
• Washington

Here are the steps you can follow to find out the states where Unum Insurance is provided:

1. The first step is to visit the official website of Unum Insurance.
2. Once you are on the website, navigate to the “Coverage” section, which should be located in the main menu at the top of the page.
3. From the “Coverage” section, select the type of coverage you are interested in, such as disability insurance, life insurance, or critical illness insurance.
4. After selecting the type of coverage, click on the “Get a Quote” button to proceed.
5. You will be prompted to enter your ZIP code to find out if Unum Insurance is available in your state.
6. Once you enter your ZIP code, you will be able to see a list of states where Unum Insurance is available. This will allow you to determine if Unum Insurance is available in your state and which coverage options are available.

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Discounts Offered by Unum Insurance

Unum Insurance offers a variety of discounts to help customers save on their insurance premiums. Here are some of the discounts that may be available:

• Multi-policy discount: Customers who have multiple policies with Unum Insurance may be eligible for a discount on their premiums.
• Good health discount: Customers who maintain a healthy lifestyle and have no chronic health conditions may be eligible for a discount on their health insurance premiums.
• Safe driving discount: Customers who maintain a safe driving record and have no accidents or traffic violations may be eligible for a discount on their auto insurance premiums.
• Employer group discount: Unum Insurance offers group discounts to employees of certain companies and organizations, which can help them save on their insurance premiums.
• Age-based discounts: Unum Insurance offers discounts to customers based on their age, with some policies being more affordable for younger or older customers.

Seamless Claims Process With Unum Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Unum Insurance offers a convenient claims process that caters to modern technology and customer preferences. Policyholders can file their claims through multiple channels, including online, over the phone, and even via mobile apps. This flexibility allows customers to choose the method that best suits their needs and comfort levels.

Average Claim Processing Time

One critical aspect of an insurance company’s performance is the speed at which they process claims. Unum Insurance has not only invested in user-friendly claim submission but also in expediting the processing time. The average claim processing time at Unum Insurance is noteworthy, providing customers with a swift resolution to their claims.

Customer Feedback on Claim Resolutions and Payouts

Understanding how an insurance company handles claim resolutions and payouts is essential for potential policyholders. Customer feedback provides valuable insights into this aspect of Unum Insurance.

While some customers have praised the company for its excellent service and prompt payouts, others have raised concerns about high premiums and slower claims processing. Evaluating these customer experiences can help individuals make informed decisions when choosing Unum Insurance.

Exploring Unum Insurance Cutting-Edge Digital and Technological Features

Mobile App Features and Functionality

Unum Insurance recognizes the importance of digital accessibility in today’s world. Their mobile app offers a range of features and functionalities that empower policyholders to manage their insurance policies efficiently.

These features may include policy access, claims tracking, payment processing, and even digital ID cards. An in-depth look at the mobile app’s capabilities can help users understand the convenience it brings to their insurance management.

Online Account Management Capabilities

In addition to its mobile app, Unum Insurance provides robust online account management capabilities through its website. Policyholders can log in to their accounts, review policy details, make payments, and access important documents online. This digital convenience simplifies policy management and ensures that customers have easy access to essential information.

Digital Tools and Resources

To further assist policyholders, Unum Insurance offers a range of digital tools and resources. These resources may include calculators to estimate coverage needs, educational materials on insurance topics, and FAQs to address common queries. Exploring these digital resources can empower customers to make informed decisions about their insurance coverage.

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Customer Reviews of Unum Insurance

Customer reviews of Unum Insurance are mixed, with some customers praising the company for its excellent service and coverage options, while others have criticized the company for its high premiums and slow claims processing. Here is an overview of what customers are saying about Unum Insurance:

Strengths:

• Comprehensive coverage: Many customers have praised Unum Insurance for its comprehensive coverage options, including disability insurance, life insurance, and critical illness insurance.
• Good customer service: Several customers have reported positive experiences with Unum Insurance’s customer service team, citing their professionalism and helpfulness in resolving issues.
• Easy to use online portal: Many customers have found Unum Insurance’s online portal to be easy to use and navigate, making it easy to manage policies and file claims.

Weaknesses:

• Expensive premiums: One of the most common complaints among customers is that Unum Insurance’s premiums are significantly higher than other insurance providers, making it difficult for some to afford coverage.
• Slow claims processing: Some customers have reported experiencing delays in claims processing, which can be frustrating for those who are relying on their insurance benefits.
• Limited coverage options: A few customers have reported that Unum Insurance has limited coverage options compared to other insurance providers, which can be a disadvantage for those looking for more specialized coverage.

In Summary: Unum Insurance

Unum Insurance is a well-established insurance provider that offers a range of coverage options to individuals and employers. With a focus on disability insurance, life insurance, and critical illness insurance, Unum Insurance is known for its comprehensive coverage options and quality customer service.

While premiums for Unum Insurance policies may be higher than those of other insurance providers, the company offers a variety of discounts to help customers save on their premiums.

Unum Insurance is available in most states, with coverage options varying depending on the state where you live. Customer reviews of Unum Insurance are mixed, with some customers praising the company for its excellent service and coverage options, while others have criticized the company for its high premiums and slow claims processing.

Overall, Unum Insurance may be a good choice for those looking for comprehensive coverage options and quality customer service, but it’s always a good idea to research multiple insurance providers and compare coverage, costs, and customer reviews before making a decision.