Financial strength

A healthy business, along with financial strength and flexibility, is more critical than ever. Unum maintains leading market shares in our core businesses, insuring one in three Fortune 500 companies and collecting more than $8 billion in premium income in 2020. Our nearly $50 billion investment portfolio as of December 31, 2020 is built to withstand challenging economic conditions like we are experiencing today.

December 31, 2020 highlights of our financial strength include:

  • Risk-based capital ratio above our target of 350%

  • Liquidity of more than $1.5 billion of holding company cash, well over three times our annual fixed obligation

  • 2020 statutory earnings of $726 million, creating strong cash flow for our holding company

  • Low credit losses relative to industry benchmark

  • $7.6 billion claims paid in 2020

  • Solid financial strength ratings, including a stable A claims payment rating with A.M. Best 1

For more than 170 years, our strong financial foundation has supported our ability to meet the needs of our customers at the times they need us most.  We are very proud of that history and the privilege of serving over 190,000 businesses that have put their trust in us.



1 Financial strength ratings for Unum Group are as follows: A.M. Best Company, A; Moody's Investor Service, A3; S&P Global Ratings, A; Fitch Ratings A-. Ratings are current as of October 25, 2021 and are subject to change.