UNUM provides a range of financial services for both individuals and group employees amongst which are health insurance policies. They are a Fortune 500 company which means they are ranked within the top 500 American companies based on revenue performance. They pride themselves on the size and diverse nature of their client base

 

UNUM offer a wide range of both group and individual products. Their group products include Group Income Protection, Dual Benefit, Pay Direct, Group Capital Option, Group Life Insurance and Group Critical Illness Cover. Their individual products include Personal Income Replacement PLan, Executive Income Replacement Plan, Primary Income Replacement Plan, Essential Ability Cover Plan and Critical Illness Cover - Elixia 123

 

A key feature that differentiates UNUM from the competition is their underwriting which is based on a biopsychosocial model. This means that UNUM

may consider providing cover for people who, prior to taking out their insurance, have had a heart attack or suffered from other potentially serious illnesses such as cancer, paraplegia, back pain or diabetes

Fitch Rating (Long-Term, Issuer Default Rating) UNUM Group, BBB+ (08/09/2010)

 

Moodys Rating (Long-Term) UNUM Group, Baa3 (12/05/2010)