Unum
Unum UK is a specialist employee benefits provider offering group protection insurance (Income Protection, Life, Critical Illness) and health cash plans to approximately 12,000 UK employers via advisers, brokers, and digital platforms, regulated by the FCA and PRA.
- Company typePrivate
- Founded1990
- HeadquartersDorking, United Kingdom
- Headcount5,001–10,000
- GTM typeB2B
- OfferingServices
What Unum does
Unum UK (Unum Limited) is a specialist employee benefits provider that delivers group protection insurance and health cash plans to approximately 12,000 UK employer clients. Its core product set comprises Group Income Protection, Group Critical Illness, Group Life Insurance, Sick Pay Insurance, and the Health Plan 360 health cash plan, supplemented by Dental Insurance and Optical Cover. The company is regulated by the UK's Prudential Regulation Authority and Financial Conduct Authority (Firm Reference Number 110408) and operates from its registered head office in Dorking, Surrey, with a workforce of 5,001–10,000 employees.
The company is a wholly-owned subsidiary of Unum Group (NYSE: UNM), a US-listed Fortune 500 employee benefits provider, with strategic and capital allocation decisions determined at the parent level. Unum UK distributes products primarily through a network of independent insurance advisers and brokers, complemented by the UnumOnline self-service portal enabling online quoting, buying, renewal, and servicing for policies up to 250 members. Digital infrastructure includes UnumSync (employer portal for claims and insights) and Help@hand (a wellbeing app bundling virtual GP, mental health, savings/discounts, and cancer support services delivered through partners Square Health, BenefitHub, Reframe Cancer, and Tooth Fairy Healthcare). Unum maintains reinsurance arrangements with SCOR Global Life, Munich Re, and General Reinsurance AG.
Revenue is generated through recurring subscription premiums paid by employers for group coverage, with quote-based pricing that varies by company size, industry, claims history, and coverage levels. The company is recognised within the UK market through 2025 awards including Corporate Adviser Best Group Risk Provider, Ethisphere World's Most Ethical Companies, and Great Place to Work, and holds SOC 2 Type 2 and Cyber Essentials Plus certifications. At the group level, Unum Group reported Q1 2026 after-tax adjusted operating earnings of $353 million ($2.14 per share, up nearly 10% year-over-year), Unum US Group sales up 22% year-over-year, a 92% group persistency rate, and a reaffirmed 2026 outlook of 4–7% top-line growth and 8–12% EPS growth.
Unum firmographics
Firmographics- Name
- Unum
- Legal name
- Unum Limited
- Website
- https://unum.co.uk
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Unum UK is a specialist employee benefits provider offering group protection insurance (Income Protection, Life, Critical Illness) and health cash plans to approximately 12,000 UK employers via advisers, brokers, and digital platforms, regulated by the FCA and PRA.
- Ownership category
- akta.pro rank
Unum industry classification
Industry- Product category
- Group Protection Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Other Insurance Related Activities (52429)
- SIC
- Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)
- akta.pro secondary industries
- Group Dental Plans (Employer-Sponsored) (HLAEAIAG), Combined Dental & Vision Insurance (FSAIAHAC), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
Keywords
Where Unum is headquartered
LocationHeadquarters
- HQ city
- Dorking
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Unum business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Group Protection Insurance: Core revenue from group insurance products including Group Income Protection, Group Life Insurance, and Group Critical Illness. Employers pay premiums to provide employee benefits.
- Health Cash Plans: Revenue from Health Plan 360 and Dental/Optical insurance products, providing employees with cash back on healthcare expenses.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | UnumOnline allows instant quotes and online purchase for policies up to 250 members |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Unum product offering
Product offeringCore offering
Unum UK provides group protection insurance products and health cash plans to UK employers for the benefit of their employees. Core offerings include Group Income Protection, Group Critical Illness, Group Life Insurance, Health Plan 360, Dental Insurance, Optical Cover, and Sick Pay Insurance, supported by the Help@hand wellbeing app and digital portals UnumOnline and UnumSync.
Product overview
Unum is a specialist employee benefits provider offering a comprehensive portfolio of group protection and health insurance products. The core product lineup includes Group Income Protection, Group Critical Illness, Group Life Insurance, Health Plan 360 (a health cash plan), Dental Insurance, Optical Cover, and Sick Pay Insurance. The company serves close to 12,000 businesses in the UK. Supplementary services include Help@hand, a wellbeing app providing GP access, mental health support, and cancer support services at no additional cost to policyholders. Digital platforms include UnumSync (employer portal for insights and claims) and UnumOnline (adviser portal for quotes and policy management).
Differentiator
Problem solved
Functional benefit
Brands
- Health Plan 360: A modern health cash plan for today's workforce. A business asset that powers active health for living well and working better.
- Help@hand
- UnumSync
- UnumOnline
Products and services
- Group Income Protection
- Group Critical Illness
- Group Life Insurance
- Health Plan 360
- Dental Insurance
- Optical Cover
- Sick Pay Insurance
Quantifiable outcome
- Group persistency improved to 92%
- +2 more outcomes
Companies that use Unum
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Unum technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Unum partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- Square HealthcoreSquare Health provides Help@hand health and wellbeing services to Unum UK customers. Services include virtual GP, mental health support, and other health services provided through a mobile app.
- BenefitHubcoreBenefitHub provides Savings & Discounts services to Unum UK customers, offering discounts and special offers as part of the employee wellbeing package.
- Reframe CancercoreReframe Cancer provides Cancer Support Service and Cancer Assist to Unum UK customers, offering support for employees affected by cancer diagnoses.
- Tooth Fairy Healthcare LimitedcoreTooth Fairy Healthcare Limited provides Toothfairy services to Unum Dental customers, offering dental health support and services. Tooth Fairy Healthcare is authorised and regulated by the FCA.
- SCOR Global Life ReinsurancecoreSCOR Global Life Reinsurance France SA and SCOR Global Life Reinsurance UK Limited provide reinsurance arrangements to mitigate risks as part of Unum's financial management.
- Munich ReinsurancecoreMunich Reinsurance UK Life Branch provides reinsurance to help manage insurance risk exposure.
- General Reinsurance AGcoreGeneral Reinsurance AG provides reinsurance arrangements as part of Unum's risk management strategy.
- Gallagher ReminorGallagher Re provides reinsurance brokerage services.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Unum competitors and assessment
Company assessmentBroad incumbents
- Bupa UK: Bupa is a major UK health insurer (PMI, dental, optical) also offering employer group health and wellbeing. While more PMI-led than Unum UK, it competes directly on group dental, optical, and broader health-and-wellbeing positioning.
- MetLife UK: MetLife UK is part of global employee benefits major MetLife and offers group life, critical illness, and dental through advisers and direct channels. It overlaps directly with Unum UK's employer-sponsored group risk products but as part of a much larger global employee benefits franchise.
- AXA UK (AXA Health / AXA Life): AXA UK offers group health, dental, group life, and critical illness to employers through advisers and direct channels. As a broader multi-line incumbent with cross-sell capability, it competes with Unum UK but across a wider product portfolio.
Direct peers
- Health Shield Friendly Society: Health Shield is a UK-friendly society focused on employer-sponsored health cash plans, dental, optical, and wellbeing. It is directly comparable to Unum UK's Health Plan 360 and dental/optical product set within the same adviser/employer distribution model.
- Canada Life UK: Canada Life UK is a top-3 UK group risk specialist, offering group life, group income protection, and critical illness to UK employers via advisers. It competes head-to-head with Unum UK for the same broker-distributed employer schemes.
- Aviva: Aviva is the UK's largest multi-line insurer offering group life, group income protection, critical illness, and group health to UK employers via advisers. It directly competes with Unum UK across the full employer-sponsored protection suite, including via a much larger balance sheet and bundled product capability.
- British Friendly: British Friendly is a mutual income protection and group benefits provider in the UK, selling through advisers. It is directly comparable on Group Income Protection, the same core IP risk-management capability Unum UK relies on.
- Cirencester Friendly Society: Cirencester Friendly is a UK income protection specialist with group and individual IP products sold through advisers. It is directly comparable to Unum UK's Group Income Protection offering and competes for the same SME and mid-market employer clients.
- Legal & General: Legal & General is one of the leading UK group protection and group life providers selling through advisers, with overlapping product coverage (group income protection, critical illness, life, dental/optical via subsidiaries). Comparable employer GTM and product mix make it a closely matched specialist competitor to Unum UK.
Emerging players
- Vitality (VitalityHealth / Vitality Corporate): Vitality sells employer-sponsored group health, protection, and wellbeing in the UK with a behaviour-reward-based proposition. It overlaps with Unum UK's Health Plan 360 and Help@hand, particularly on the health-and-wellbeing bundle to employers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Unum social profiles
Digital presenceUnum compliance and trust
Trust signalCompliance2 records
Unum financial estimates
Financial estimateRevenue estimate
Valuation estimate
Unum leadership team
Management profileNumber of profiles
Profiles2 records
Unum funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Unum M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Unum
What does Unum do?
Unum UK provides group protection insurance products and health cash plans to UK employers for the benefit of their employees. Core offerings include Group Income Protection, Group Critical Illness, Group Life Insurance, Health Plan 360, Dental Insurance, Optical Cover, and Sick Pay Insurance, supported by the Help@hand wellbeing app and digital portals UnumOnline and UnumSync.
Is Unum a public or private company?
Unum is a private company. It is classified as public and is currently operating.
When was Unum founded?
Unum was founded in 1990. It employs 5,001 to 10,000 people.
Where is Unum based?
Unum is headquartered in Dorking, United Kingdom, in the Europe region.
How does Unum make money?
Two revenue lines are on record. Group Protection Insurance is the primary driver. The others are health Cash Plans.
Who are Unum's main competitors?
Broad incumbents on record are Bupa UK, MetLife UK and AXA UK (AXA Health / AXA Life). Direct peers are Health Shield Friendly Society, Canada Life UK, Aviva, British Friendly, Cirencester Friendly Society and Legal & General. Vitality (VitalityHealth / Vitality Corporate) is listed as an emerging player.
Does Unum have an API?
No public API is recorded for Unum.
What industry is Unum in?
Unum's product category is Group Protection Insurance. Its primary akta.pro industry code is FSAIAKAD, Group/Employer-Sponsored Critical Illness & Hospital Indemnity, with a secondary code of HLAEAIAG, Group Dental Plans (Employer-Sponsored). Its NAICS code is 524114 and its SIC code is 6321.