Confidence for our customers

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About us

Unum is an established provider of employee benefits to millions of individuals across the UK, with more than 10,000 businesses trusting us to look after the physical and financial health and wellbeing of their employees. We take our responsibilities seriously, and want to reassure you that putting people first — and providing confidence to our customers — is at the heart of our business.

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Fair value products for our customers

We are committed to providing fair value products to our customers. To support this, we have enhanced our product development, modification and review procedures in accordance with all relevant regulatory initiatives, including the latest Product Governance Rules introduced by the Financial Conduct Authority (FCA) in October 2021.

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Solvency II
Solvency and Financial Condition Report

Solvency II became effective from 1st January 2016. From this date, we use Solvency II rules to calculate our capital requirements. These rules also require us to publish an annual 'Solvency and Financial Condition Report' at the end of each financial year.

Our ‘Solvency and Financial Condition Report’ as of 31st December 2022 is available here.

2021 | 2020 | 2019 | 2018 | 2017 | 2016

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Providing confidence to our customers

  • Unum UK publishes our corporate governance report each year, which details how we monitor the actions, policies, practices and arrangements of our business. We also publish our Section 172 statement annually, setting out how we fulfilled our duties under the statement.

    Both documents detailed above are correct for the year end 31st December 2022.

  • The Streamlined Energy and Carbon Reporting (SECR) publication sets out our environmental strategy and targets which are required to meet the energy and carbon reporting obligations under the Companies (Directors’ Report) and Limited Liability Partnerships (Energy and Carbon Report) Regulations 2018 on SECR.

    The document detailed above is correct for the year end 31st December 2022.

  • A statement from Unum UK's CEO outlining our current and future Responsible Business commitments on our path to act against climate change and reduce our environmental impact.

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  • Internal Audit provides our executive management team and audit committee with independent, objective controls assurance and advice to improve our business operations. More details, including the annual audit charter, are available on our dedicated internal audit webpage.

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  • Unum UK takes its responsibility to pay the right amount of tax seriously and complies with all relevant laws, rules, regulations and reporting requirements. More information on this is published in our 2023 tax strategy publication.

  • We’re committed to ensuring that we comply with UK GDPR to fulfil our responsibilities as a data controller.

    Full details of our GDPR approach are available here.

  • We take our responsibilities for protecting personal information seriously. 

    Our integrated approach to security and data protection is embedded throughout our business and ensures we remain highly diligent, compliant with industry and regulatory requirements and adaptive to changing threats.

    To learn more download our information security document.

  • If you are a policyholder of a group scheme provided by Unum, please be aware of our stance on due diligence which is detailed in full below.

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  • Unum has our own internal code of conduct for all our employees. We ensure we conduct background checks for all staff, as well as training/certification so that our people understand their obligations. We are unfortunately unable to agree to individual supplier/vendor codes due to the volume of customers that we have, and because doing so could contradict our obligations under FCA and PRA regulations.

    Read our Code of Conduct document here.

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Have a question or can’t find what you’re looking for? Get in touch with us.

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