Unum is an employee benefits insurer that sells group and voluntary insurance products primarily through the workplace. Unum's core products are group disability insurance — which replaces a portion of an employee's income if they cannot work due to illness or injury — and group life and accidental death & dismemberment insurance. Beyond these, Unum sells voluntary benefits (accident, hospital indemnity, critical illness, cancer, and life), individual disability insurance, and dental and vision coverage. Unum sells through independent brokers and its own field sales force, targeting employers of all sizes with a particular focus on groups under 2,000 employees. Unum operates through three active segments: Unum US (the largest, ~65% of premium), Colonial Life (~17%, worksite voluntary benefits), and Unum International (~10%, primarily UK group disability and life). Unum also carries a Closed Block (~8% of premium) of legacy long-term care policies no longer actively marketed, which Unum is managing into runoff through rate increases, reinsurance, and enrollment restrictions. Revenue is primarily premium income, with profitability driven by the benefit ratio (benefits paid as a percentage of premiums), pricing discipline at renewal, and investment income earned on policyholder float. Unum differentiates through digital platforms — HR Connect and Total Leave — that integrate Unum's products into employers' HR systems, which Unum argues drives higher client retention and stronger sales close rates.