Complaint Score
62.8 of 100
Normalized by premium volume across 50 states
NAIC MCAS 2024 Grade C 50 states
Unum Life
Unum Life: 876 justified complaints across 50 states (NAIC MCAS 2024). Reputation grade C.
Part of Unum
NAIC Code: 62235
Reputation grade C (composite score 62.8) — A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.
Average — near industry median
What This Grade Means for You
Unum Life has a complaint record roughly in line with the industry median. This means the number of complaints is proportional to the volume of business the company writes. While not a red flag, consumers may want to compare Unum Life against higher-rated alternatives in their state before purchasing a policy.
Unum Life's composite score of 62.8 is derived from complaint ratios and operational data across 50 states.
Data note: This data reflects complaints filed with state insurance departments and regulatory filings.
A high complaint ratio does not necessarily indicate illegal behavior. Large insurers receive more complaints by volume;
complaint ratios normalize by premium size. Always verify coverage decisions with your insurer or a licensed agent.
This page is informational and does not constitute financial, legal, or insurance advice.
Unum Life appears in PlainInsurer's regulatory database with 876 justified complaints on file across 50 states under NAIC code 62235, operating as part of Unum. The company's composite score of 62.8 translates to a reputation grade of C — this score combines NAIC complaint ratios, available CMS claim denial data, and Medicare Advantage prior authorization metrics where applicable. Lower composite scores indicate fewer consumer problems relative to company size; higher scores indicate more.
Looking at business mix, Unum Life reports activity in 1 line of business (Life Insurance). Its complaint score of 62.8 — normalized by premium volume — is what regulators and consumer-protection groups use to compare insurers fairly across different company sizes.
For consumers evaluating Unum Life, the practical implication is this: complaint ratio and denial data give a comparative view of how this insurer treats policyholders relative to peers, but they cannot predict your individual claim experience. The available data places Unum Life near industry norms; comparing directly against named alternatives in your state is the next step. This page is not financial, legal, or insurance advice — verify all coverage terms with a licensed agent and consult your state's Department of Insurance for dispute or complaint procedures.
Total Complaints
876
50 states
Complaint Score 62.80 +6180% vs. avg
Composite Score
62.8
Higher = more complaints
Claim Denial Score
N/A of 100
Not yet available for this insurer
States Active
50 states
NAIC Code: 62235
Consumer Risk Level 62.8%
National median
Composite score of 62.8 — lower is better
Complaint Data by Line of Business
| Line | Complaints | Avg Complaint Ratio | States Active |
|---|---|---|---|
| Life Insurance | 876 | 0.93 -7% vs. avg
| 50 |
Top states by complaint volume
Top 5 states — Unum Life consumer complaints
Source: NAIC Consumer Information Source (CIS) + CMS Medicare Advantage Star Ratings Insurer complaint counts and ratios for Unum Life across all reported lines of business and states · 2023 NAIC CIS aggregates state-DOI consumer complaints; complaint ratios normalize against premium volume so absolute counts and ratios can diverge. Reputation grade derived from PlainInsurer methodology applied to NAIC data.
State Presence (50 states)
AL 18 complaints AK 18 complaints AZ 18 complaints AR 18 complaints CA 18 complaints CO 18 complaints CT 18 complaints DE 18 complaints FL 18 complaints GA 18 complaints HI 18 complaints ID 18 complaints IL 18 complaints IN 18 complaints IA 18 complaints KS 18 complaints KY 18 complaints LA 18 complaints ME 18 complaints MD 18 complaints MA 18 complaints MI 18 complaints MN 18 complaints MS 18 complaints MO 18 complaints MT 18 complaints NE 18 complaints NV 18 complaints NH 18 complaints NJ 18 complaints NM 18 complaints NY 18 complaints NC 18 complaints ND 18 complaints OH 18 complaints OK 18 complaints OR 18 complaints PA 18 complaints RI 18 complaints SC 18 complaints SD 18 complaints TN 18 complaints TX 18 complaints UT 18 complaints VT 18 complaints VA 18 complaints WA 18 complaints WV 18 complaints WI 18 complaints WY 18 complaints
Understanding Your Rights
If you have a dispute with Unum Life or any insurer, you have the right to file a complaint with your state's insurance commissioner. State regulators investigate consumer complaints, mediate disputes, and can take enforcement action against companies that violate insurance laws.
The NAIC's complaint filing page provides direct links to every state insurance department. Complaints can typically be filed online and are tracked as part of the public record that informs the complaint ratios shown on this page.
The data presented here covers all lines of business — auto, home, health, and life insurance. Complaint ratios are normalized by premium volume so that larger companies are not penalized simply for writing more policies.
Frequently Asked Questions
What does Unum Life's C grade mean?
Unum Life received a grade of C, which means "Average — near industry median." This grade is calculated from the company's NAIC complaint ratio (normalized by premium volume), CMS claim denial rates where available, and Medicare Advantage prior authorization data. Consumers may want to compare this insurer against higher-graded alternatives in their state.
How many complaints does Unum Life have?
Unum Life has 876 total complaints on record across 50 states, based on NAIC Market Conduct Annual Statement (MCAS) data. The raw complaint count alone does not tell the full story — larger insurers naturally receive more complaints. PlainInsurer uses complaint ratios (complaints per premium dollar) to compare companies fairly.
How do I file a complaint against Unum Life?
To file a complaint against Unum Life, contact your state's Department of Insurance. Every state has an insurance commissioner's office that accepts consumer complaints — you can typically file online, by phone, or by mail. The National Association of Insurance Commissioners (NAIC) also provides a central complaint portal at naic.org. Document your policy number, claim number, dates of communication, and the specific issue before filing. Your state regulator can investigate and mediate disputes between you and Unum Life.
Is Unum Life a good insurance company?
Whether Unum Life is a good choice depends on your coverage needs, state, and budget. PlainInsurer gives Unum Life a C grade based on complaint ratios and denial data. The above-average composite score suggests more consumer issues than typical insurers — compare alternatives in your state. Always compare quotes from multiple carriers and check complaint data for your specific state and line of coverage.
What types of insurance does Unum Life offer?
Based on NAIC filing data, Unum Life operates in 1 line of business: Life Insurance. Coverage availability varies by state — Unum Life is licensed in 50 states. Check directly with Unum Life or your state's Department of Insurance for specific policy options in your area.
How does Unum Life compare to other insurers?
Unum Life's complaint data can be compared against other insurers using PlainInsurer's complaint ratio rankings. With a C grade, Unum Life ranks near the industry average for consumer complaints. To compare specific lines of coverage, visit the line-of-business rankings. For state-level comparisons, check the state pages where Unum Life operates.
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Compare Unum Life Against Another Insurer
See a side-by-side complaint ratio and denial rate comparison.
Data: NAIC MCAS 2024 industry scorecards · CMS Transparency in Coverage PUF PY2025 · CMS Medicare Advantage analysis (CMS OIG OEI-09-22-00380, KFF 2023).
Not affiliated with NAIC or CMS.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related to Unum Life
Primary data: NAIC Market Conduct Annual Statement (MCAS) 2024. Medicare Advantage figures: CMS Office of Inspector General audit OEI-09-22-00380 and KFF 2023 Medicare Advantage analysis. Methodology and computation by PlainInsurer Editorial — see methodology.