Is Unum insurance any good?


Editorial team Published on

Unum insurance reviews are heavily polarized, featuring strong financial backing alongside widespread customer complaints regarding claim denials and processing delays.

You can read positive customer experiences directly on the Unum Consumer Reviews page.

Financial Strength and Ratings

  • AM Best: A (Excellent)
  • S&P Global: A- (Strong)
  • Better Business Bureau (BBB): A+ rating (though independent customer review platforms report much lower scores).

Common Complaints and Negative Reviews

  • Claim Denials: Reviewers on platforms like Yelp and Trustpilot frequently report delayed, disputed, or abruptly closed short-term and long-term disability claims.
  • Paper Reviews: Legal and consumer watchdogs note that Unum often relies on in-house or contracted medical record reviews ("paper reviews") rather than independent physical examinations.
  • Communication Barriers: Policyholders frequently cite unresponsive caseworkers, unreturned phone calls, and difficult navigation through automated customer service systems.

Positive Feedback

  • Smooth Workplace Benefits: Some policyholders highlight professional, compassionate handling of standard claims or dental/health reimbursements through employer-provided plans.
  • Financial Stability: Corporate ratings confirm that Unum maintains high capacity for paying out valid, well-documented claims.