Terms of use

By using this website and all others owned and maintained by Unum, you agree to the following terms and conditions so please read them carefully. These terms and conditions may be revised at any time by our updating this notice and posting it on our website. You are bound by any such revisions if you continue to use the website after we have posted the changes. We suggest that you periodically visit this page to review the most recent terms and conditions.

  • Privacy notices

    To view our privacy practices, please read our Internet Privacy Policy.

    To view our privacy notice pursuant to the Gramm-Leach-Bliley Act (GLB), please read Unum's GLB Privacy Notice. To find answers to commonly asked questions about our privacy practices, please read our GLB Privacy FAQ.

    To view our privacy notice pursuant to the Health Insurance Portability and Accountability Act (HIPAA), please read Unum's HIPAA Privacy Notice (this is applicable to Long Term Care, Cancer Assistance, certain medical coverages and other health plans). And to find answers to commonly asked questions about HIPAA, please read our HIPAA FAQ's .

  • Products and services provided by Unum subsidiaries

    Unum Group, through its various subsidiaries, provides insurance products and services in numerous countries. As used on this website, "Unum" refers to Unum Group and its insuring subsidiaries. Not all Unum companies do business in all jurisdictions and insurance products and services are not available in all jurisdictions. Insurance products and services are offered through the following Unum companies:

    Colonial Life & Accident Insurance Company
    Columbia, South Carolina
    (all states, except New York)
    NAIC #0565-62049

    The Paul Revere Life Insurance Company
    Worcester, Massachusetts
    (all states)
    NAIC #0565-67598

    Provident Life and Accident Insurance Company
    Chattanooga, Tennessee
    (all states, except New York)
    NAIC #0565-68195

    Provident Life and Casualty Insurance Company
    Chattanooga, Tennessee
    (New York only)
    NAIC #0565-68209

    First Unum Life Insurance Company
    New York, New York
    (New York only)
    NAIC #0565-64297

    Unum Life Insurance Company of America
    Portland, Maine
    (all states, except New York)
    NAIC #0565-62235

    Unum Limited
    Insurance products and services offered in the United Kingdom and Europe

    The information and descriptions regarding products contained on this website are intended as general information and are not necessarily complete descriptions of the products and services offered by Unum. As is the case with most insurance contracts, the policies described on this website have exclusions, limitations, reductions in benefits and terms under which they may be continued in force or discontinued.

  • Ownership/use of content

    The information contained in this website is owned by Unum and is provided for your personal use and, except as otherwise expressly provided herein, may not be modified, copied, distributed, reproduced, republished, uploaded, downloaded, posted, transmitted or duplicated without the prior written consent of Unum.

  • Copyrights/trademarks

    All trademarks, service marks, trade names, logos, icons and domain names located on this website are the property of Unum or others. Your use of any trademark, service mark, trade name, logo, icon and domain name displayed on this website without the written permission of Unum or the other owners is strictly prohibited.

    This website contains software, photographs, graphics, text, images and other material (collectively "Material") that are protected by copyright law. All such Material also is copyrighted as a collective work under the copyright laws, and Unum owns a copyright in the selection, coordination, arrangement, and enhancement of such Material. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the Material, in whole or in part. We grant you permission to electronically copy and print in hard copy portions of this website (and to download software made available on the website) solely for your personal use and in connection with conducting business with Unum. Otherwise, you may not reproduce or distribute in any way Material protected by copyright without obtaining the prior written permission of Unum.

  • Disclaimers

    UNUM MAKES NO CLAIM, EXPRESS OR IMPLIED, ABOUT THE ACCURACY OR COMPLETENESS OF ANY OF THE CONTENT OR FUNCTIONS OF THIS WEBSITE (OR ANY LINKED WEBSITE), OR ABOUT ANY OF THE BENEFITS OR OPPORTUNITIES YOU MAY OBTAIN AT THIS WEBSITE. WE HEREBY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. THE CONTENT AND FUNCTIONS ARE PROVIDED "AS IS" AND "AS AVAILABLE". To the extent the law does not permit the disclaimer of warranties, all content and functions are warranted only to the extent allowed by law. In using this website, you agree that you will not hold Unum liable to you or any other party for any direct, indirect, special, consequential or other damages of any kind arising out of any use of this website (or any linked website).

  • Linking agreement

    Links from this site to a non-Unum site may be provided for users' convenience only. Unum does not control or review these sites nor does the provision of any link imply an endorsement or association of such non-Unum sites. Unum is not responsible for and makes no representation or warranty regarding the contents, completeness or accuracy or security of any materials on such sites. If you decide to access such non-Unum sites, you do so at your own risk.

  • Minors

    Unum does not intend to solicit information from children or market its products or services to children through this website.

  • Forward-looking statements

    This website may contain statements, estimates or projections that constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are those not based on historical information, but rather relate to future operations, strategies, financial results, or other developments. These forward-looking statements are subject to numerous assumptions, risks and uncertainties, many of which are beyond our control. For a discussion of assumptions, risks, uncertainties and other important factors that could cause actual results to differ materially from those expressed in the forward-looking statements, see Unum’s most recent reports on Form 10-K and Form 10-Q filed with the Securities and Exchange Commission. The forward-looking statements on this website speak only as of the date made and we undertake no obligation to update these statements, whether through this website or otherwise.

  • Security

    Unum understands that the confidentiality, integrity, and availability of our customers’ information are keys to its overall business success. Unum’s Global Infrastructure Group partners with Unum’s Privacy Office to ensure that customer information is protected from unauthorized access, disruption, modification, or destruction, and that Unum is compliant with various privacy laws and regulations applicable to the collection, use and disclosure of customer information.

    Unum’s Information Security Program is based on applicable international regulatory requirements and industry best practices such as the ISO 27001 and ISO 27002.

  • Governing law

    The laws of the United States and the State of Tennessee will govern the content and use of this website, without giving effect to conflict of law principles.

    Unum controls this website from our offices within the United States. We make no representation that the content on our website is appropriate, legal or available for use in other locations. Those who choose to access the website from other locations do so on their own initiative and are responsible for compliance with applicable local laws. By registering for or entering this website, you consent and submit to the exclusive jurisdiction and venue of the state and federal courts located in the State of Tennessee.

  • Registration information

    When you register for this website, you will be required to provide Unum certain information which may include your name, e-mail address, mailing address, zip code, country, user name and password. You agree to provide true, accurate, current and complete information about yourself on the registration form and to maintain and promptly update such account information. If you provide any untrue or inaccurate information, or if we have reasonable grounds to suspect that such information is untrue or inaccurate, we may suspend or terminate your account and refuse all current and future use by you of our website. You are responsible for maintaining the confidentiality of your user name and password. You shall be responsible for all uses of your registration, whether or not authorized by you. You agree to immediately notify Unum of any unauthorized use of your registration or password.

  • Compliance with export laws and regulations

    United States export control laws regulate the export and re-export of technology originating in the United States. This includes the electronic transmission of information and software to foreign countries and to certain foreign nationals. You agree to abide by these laws and their regulations, including, but not limited to, the Export Administration Act and the Arms Export Control Act, and not to transfer, by electronic transmission or otherwise, any such technology derived from our website to either a foreign national or a foreign destination in violation of such laws.