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Last $33.68 USD
Change Today -0.02 / -0.06%
Volume 1.0M
As of 8:04 PM 04/24/15 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

1 Fountain Square

Chattanooga, TN 37402

United States

Phone: 423-294-1011

Fax: 615-238-9898

Unum Group, together with its subsidiaries, provides disability insurance products in the United States and the United Kingdom. The company also provides a complementary portfolio of other insurance products, including employer- and employee-paid group benefits, life insurance, and other related services. The company’s principal operating subsidiaries in the United States include Unum Life Insurance Company of America (Unum America); Provident Life and Accident Insurance Company (Provident); The Paul Revere Life Insurance Company (Paul Revere Life); and Colonial Life & Accident Insurance Company, as well as Unum Limited in the United Kingdom. Segments The company has three principal operating business segments: Unum US, Unum UK, and Colonial Life. Its other segment includes the Closed Block. Unum US segment This segment includes group long-term and short-term disability insurance, group life and accidental death and dismemberment products, and supplemental and voluntary lines of business. The supplemental and voluntary lines of business include individual disability - recently issued insurance and voluntary benefits products. Unum US products are issued primarily by Unum America and Provident. Paul Revere Life continues to service the in-force policies and no longer markets new business. These products are marketed through the company’s field sales personnel who work in conjunction with independent brokers and consultants. Group Long-term and Short-term Disability The company sells group long-term and short-term disability products to employers for the benefit of employees. Group long-term disability provides employees with insurance coverage for loss of income in the event of extended work absences due to sickness or injury. The company offers services to employers and insureds to encourage and facilitate rehabilitation, retraining, and re-employment. Group short-term disability insurance provides coverage from loss of income due to injury or sickness, effective immediately for accidents and after 1 week for sickness, for approximately 26 weeks, limited to specified maximums as a percentage of income. Both group long-term and short-term disability are sold primarily on a basis permitting periodic repricing to address the underlying claims experience. The company also offers fee-based administrative services only products, where the responsibility for funding claim payments remains with the customer, and fee-based family medical leave products. Group Life and Accidental Death and Dismemberment Group life and accidental death and dismemberment products are sold to employers as employee benefit products. Group life consists primarily of renewable term life insurance with the coverages frequently linked to employees' wages and includes a provision for waiver of premium, if disabled. Accidental death and dismemberment consists primarily of an additional benefit amount payable if death or severe injury is attributable to an accident. Individual Disability - Recently Issued Individual disability is offered primarily to multi-life employer groups to supplement their group disability plans and might be funded by the employer, and the policy is owned by the employee and is portable. Individual disability insurance provides the insured with a portion of earned income lost as a result of sickness or injury. The company provides various options with respect to length of benefit periods, product features, and waiting periods before benefit payments begin, which permits tailoring of the multi-life plan to a specific employer's needs. It also markets individual disability policies, which include payments for the transfer of business ownership between partners and payments for business overhead expenses, also on a multi-life basis. Voluntary Benefits Voluntary benefits products are primarily sold to groups of employees through payroll deduction at the workplace and include life, disability, accident, hospital indemnity, cancer, and critical illness offered on both a group and individual basis. Unum UK segment This segment includes insurance for group long-term disability, group life, and suppl


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Valuation UNM Industry Range
Price/Earnings 20.9x
Price/Sales 0.8x
Price/Book 1.0x
Price/Cash Flow 20.3x
TEV/Sales 0.4x

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