Insurer profile · Unum · NAIC + CMS

Unum Life

Unum Life's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

C
Reputation grade
0.93
Complaint index
50
States active

The verdict

Unum Life earns a C reputation grade - a record near the industry median, according to the NAIC's published complaint index, its ratio runs 0.93, near the 1.0 market average.

C
reputation grade
0.93
NAIC complaint index
CCC
Reputation grade C (composite score 62.8) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.

How we calculated this grade →

NAIC CIS filing desk

NAIC 62235 C · 62.8

GRADE-C · INDEX-MID · DENIAL-NONE · RANK-MID · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-C C · 62.8
  • INDEX-MID 0.93
  • DENIAL-NONE No CMS file
  • RANK-MID #33/72
  • PHOTO-FINISH Anthem / Elevance He… · B
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: Anthem / Elevance Health (±0.01 index pts)

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

Complaint-index neighbourhood around Unum Life

Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.

Unum Life - complaint index neighbourhood

complaint index

What this shows According to PlainInsurer's dataset, Unum Life has a lower (better) NAIC complaint index than 54% of the 72 rated insurers it tracks and ranks #13 of 16 carriers by complaint ratio in Life Insurance.

Source NAIC published complaint index (2024) As of 2026

Where Unum Life sits on complaints

complaint index

What this shows Unum Life's complaint index of 0.93 is 7% below the 1.0 market average for a carrier of its size.

Source NAIC published complaint index (2024) As of 2024

Unum Life vs. the full rated-insurer dataset

93% Among the most affordable more affordable than 54% of 72 rated insurers

Unum Life 0% 425% all rated insurers, bucketed by value

Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source NAIC published complaint index (2024) · 2024

Scale vs. complaint-adjusted score

NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers 2×2 strategic matrix plotting 30 entities by Total complaints → (X) and Composite score (higher = more friction) → (Y), with a crosshair dividing the plot into four quadrants. Large, high frictionSmall, high frictionLarge, low frictionSmall, low friction 02,0004,0006,0008,000 60708090100 Total complaints → Composite score (higher = more friction) →
NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers

Complaint record by line of business

Line Est. complaints Complaint index States active
Life Insurance ~5,726 0.93 50

Life insurance market share

National ranking by direct written premiums, NAIC 2024

#47
Market share
0.45%
Direct written premiums
$705.2M
See the full market-share ranking →

What the NAIC filing desk shows for Unum Life

According to PlainInsurer's dataset, Unum Life has a lower (better) NAIC complaint index than 54% of the 72 rated insurers it tracks and ranks #13 of 16 carriers by complaint ratio in Life Insurance.

Unum Life is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place Unum Life.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for Unum Life: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (62.8 here). Floored at 50+ complaints and 5+ states.

Travelers Property 63.6 Aetna (CVS Health) 61.9 MetLife 64.4 Progressive Insurance 64.4

Similar complaint volume

Nearest carriers by NAIC complaint count (5,726 here). Deduped against the score peers so the two sets stay distinct.

SafeAuto (Kemper) 5,988 complaints Nationwide Insurance 5,989 complaints Travelers Insurance 5,378 complaints Humana Health 5,175 complaints
Aggregates only, not advice. Full terms on the disclaimer.

Questions about Unum Life

What does Unum Life's grade mean?
Unum Life received a grade of C, indicating a record near the industry median.
How many complaints does Unum Life have?
PlainInsurer estimates Unum Life's complaint volume at roughly 5,726 across 50 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against Unum Life?
File against Unum Life through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Unum Life a good insurance company?
PlainInsurer's C grade for Unum Life reflects a record near the industry median relative to peers on published complaint and denial data.
What types of insurance does Unum Life offer?
Based on NAIC filing data, Unum Life reports activity in 1 line of business: Life Insurance. Availability varies by state.

Verify Unum Life

Unum Life is filed with the NAIC under company number 62235. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.

Verify on NAIC Consumer Information Source

Source: NAIC published complaint index data Complaint index, reputation grade for Unum Life · 2024

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Download the data behind this page

The full PlainInsurer extract, covering every insurer including Unum Life, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

Complaint-index dataset Download CSV Download JSON Read the data documentation
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Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.

Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.