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Unum Life Insurance
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Unum Life Insurance

Unaffiliated
in Life Insurance from Unum
SuperMoney Net Recommendation Score +29  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +29, equating to 3.6 on a 5 point rating scale.

+29

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating Mostly recommended
Term Life Death Benefit Range Up to $750,000
Term Options N/A
Financial Strength Rating A
Number of Reviews 7

Unum Life Insurance Review

Unum Life Insurance Pros & Cons

Pros Cons
  • Offers life insurance policies that don't require medical exams.
  • Strong financial rating
  • Available in all 50 states.
  • Does not offer a wide selection of life insurance policy types.

Unum Life Insurance is a life insurance carrier based in Chattanooga, TN. The company was founded in 1848 and offers life insurance products in 50 states (and Washington, DC).

Unum Life Insurance FAQ

What types of life insurance products does Unum Life Insurance offer?

Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.

Here is a brief description of life insurance options Unum Life Insurance offers.

As well as the basic coverage types mentioned above, Unum Life Insurance company also offers the following life insurance policies:

  • Group Life Insurance - Unum Life Insurance offers some of its life insurance policies as a group benefit to employees who meet certain eligibility requirements, such as having worked for a month in the company. Typically, these term life insurance policies can only be adjusted or purchased after a qualifying life event, such as marriage or the birth of a child, or during an open enrollment period.
  • Guaranteed Issue Life Insurance - These whole life insurance policies offer a cash death benefit to the beneficiary. All coverage applications are approved regardless of health concerns. The catch is that these life insurance policies usually have lower death benefits and higher than normal premiums.

What is SuperMoney's financial rating of Unum Life Insurance?

The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives Unum Life Insurance an A or excellent, which is SuperMoney's second highest available score for life insurance companies.

SuperMoney's financial strength rating is primarily based on the average score from independent insurance rating agencies.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

About Unum Life Insurance

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Financial Strength Rating A
Life Insurance Features
  • No Medical Exam Policies
  • High Risk Applicants Accepted
  • Cash Value Loans
Term Life Death Benefit Range Up to $750,000
Group Basic Term Death Benefit Range Up to $1,000,000
Group Life Options
  • Group Basic Term Life Benefit
  • Group Supplemental Term Life Benefit
  • Group Whole Life Benefit
Group Supplemental Term Death Benefit Range Up to $150,000
Group Whole Life Death Benefit Range Up to $300,000
Life Insurance Riders
  • Waiver of Premium Due to Illness / Disability
  • Accelerated Death Benefit (Terminal Illnesses)
  • Child Term Rider
  • Spouse Insurance
  • Paid-Up Additions
  • Other Insured
  • Additional Term Rider

Unum Life Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +29, equating to 3.6 on a 5 point rating scale.

+29

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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