Unum

Unum Group is a leading provider of financial protection benefits including disability insurance, life insurance, dental insurance, vision insurance, and critical illness coverage. Unum's developer platform offers APIs for HR system integration, eligibility management, leave and absence management, enrollment, and evidence of insurability processing.

Unum publishes 8 API contracts indexed on the APIs.io network, including Authentication API, Billing API, Eligibility API, and 5 more. Tagged areas include Insurance, Benefits Administration, HR Integration, Disability Insurance, and Life Insurance.

The Unum catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Unum’s developer surface includes authentication, documentation, engineering blog, and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

31.1/100 thin ▬ flat Agent 25/100 agent aware Front door AI 1/6 silent Heartbeat 100/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterpriseSelf serve

1 published contract

Insurance Benefits Administration HR Integration Disability Insurance Life Insurance Fortune 500 Employee Benefits

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Premium Accounting Management

BC-2150

Billing

GET /billing/invoices

Insurance Underwriting Management

BC-2130

Evidence of Insurability

POST /eoi/submissions

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 31.1/100 · thin

Contract Quality 11.3 / 19

Developer Ergonomics 3.6 / 15

Access Clarity 0.8 / 15

Operational Transparency 0.5 / 10

Contract Governance 1.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 4.5 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 5.3 — up to +18.9 composite points
Developer Ergonomics scores 23.8 — up to +15.2 composite points
Operational Transparency scores 5.3 — up to +12.3 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/unum/apis.yml: open an issue on github.com/api-evangelist/unum to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
HCM and Payroll Marketplaces (ADP, Workday, UKG, Paylocity)	builds-on	17.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

Unum Benefits Enrollment API

The Unum Benefits Enrollment API allows benefits administration platforms and HR systems to submit, update, and manage employee benefit enrollments in real time. The API enables...

Unum Leave and Absence Management API

The Unum Leave and Absence Management API integrates Unum's leave solutions directly with HCM platforms, automating leave request intake, status tracking, return-to-work coordin...

Unum Authentication API

OAuth 2.0 token management

Unum Billing API

Premium billing and payment management

Unum Eligibility API

Member eligibility management and verification

Unum Enrollment API

Benefits enrollment and lifecycle management

Unum Evidence of Insurability API

EOI submission and status tracking

Unum Leave Management API

Leave and absence request management

Scroll for all 8

Open Collections 7

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Unum HR Connect Authentication API

OPEN COLLECTION

Unum HR Connect Authentication Billing API

OPEN COLLECTION

Unum HR Connect Authentication Eligibility API

OPEN COLLECTION

Unum HR Connect Authentication Enrollment API

OPEN COLLECTION

Unum HR Connect Authentication Evidence of Insurability API

OPEN COLLECTION

Unum HR Connect API

OPEN COLLECTION

Unum HR Connect Authentication Leave Management API

OPEN COLLECTION

Scroll for all 7

Unum API pricing

Not yet checked against Unum's own pricing page. Compiled by API Evangelist on 2026-05-05 from www.unum.com/; confirm before you rely on a figure.

Plan	Price
Contact Sales enterprise	—

Plan details, limits and sources →

Rate limits

Partner-Contracted Limit: see partner agreement varies

Compiled by API Evangelist, not yet checked against Unum's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Unum Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Unum Rate Limits

1 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Unum

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Unum Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Unum Context

5 classes · 30 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Unum — jsonschema rules

5 rules · 3 warnings 2 info

SPECTRAL

Unum API Rules

10 rules · 10 warnings

SPECTRAL

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

Unum Leave Request

13 properties

JSON SCHEMA

Unum Member

13 properties

JSON SCHEMA

JSON Structure 1

JSON Structure definitions describing this provider's data shapes.

Unum Member Structure

0 properties

JSON STRUCTURE

Examples 3

Example request and response payloads for these APIs.

Unum List Eligible Members Example

2 fields

EXAMPLE

Unum Submit Eoi Example

2 fields

EXAMPLE

Unum Submit Leave Request Example

2 fields

EXAMPLE

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Unum Authentication

oauth2 · 1 scheme

SECURITY

Unum Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Unum Scopes

9 scopes · clientCredentials

9 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Unum Agentic Access

18 operations · 8 acting · 1 human-in-the-loop

18 operations · 8 acting

AGENTIC

Press 5

Recent news and press coverage referencing this provider.

Unum Group secures patent for safer generative AI

Digital Transformation

Unum Group builds custom AI application to search 1.3 ...

New Unum Total Leave ™ will help employers and ...

Financials - Quarterly Results - Unum Group - Investor Relations

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Case Studies

Case Studies

Source (apis.yml)

aid: unum
name: Unum
description: Unum Group is a leading provider of financial protection benefits including disability insurance, life insurance,
  dental insurance, vision insurance, and critical illness coverage. Unum's developer platform offers APIs for HR system integration,
  eligibility management, leave and absence management, enrollment, and evidence of insurability processing.
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Enterprise · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/unum.png
tags:
- Insurance
- Benefits Administration
- HR Integration
- Disability Insurance
- Life Insurance
- Fortune 500
- Employee Benefits
url: https://raw.githubusercontent.com/api-evangelist/unum/refs/heads/main/apis.yml
created: '2026-05-03'
modified: '2026-05-19'
specificationVersion: '0.23'
apis:
- aid: unum:benefits-enrollment
  name: Unum Benefits Enrollment API
  description: The Unum Benefits Enrollment API allows benefits administration platforms and HR systems to submit, update,
    and manage employee benefit enrollments in real time. The API enables seamless data synchronization between employer HR
    systems and Unum's benefits administration, supporting life events, open enrollment, and real-time quoting for voluntary
    benefits.
  humanURL: https://developer.unum.com/s/
  baseURL: https://api.unum.com
  tags:
  - Benefits Enrollment
  - Insurance
  - Voluntary Benefits
  properties:
  - type: Documentation
    url: https://developer.unum.com/s/
  - type: Website
    url: https://www.unum.com/employers/solutions/myunum
- aid: unum:leave-absence
  name: Unum Leave and Absence Management API
  description: The Unum Leave and Absence Management API integrates Unum's leave solutions directly with HCM platforms, automating
    leave request intake, status tracking, return-to-work coordination, and FMLA/state leave eligibility determination. The
    API eliminates manual data entry by connecting leave workflows between employer HR systems and Unum's leave management
    platform.
  humanURL: https://developer.unum.com/s/
  baseURL: https://api.unum.com
  tags:
  - Leave Management
  - FMLA
  - Absence Management
  - HR Integration
  properties:
  - type: Documentation
    url: https://developer.unum.com/s/
- aid: unum:unum-authentication-api
  name: Unum Authentication API
  description: OAuth 2.0 token management
  humanURL: https://www.unum.com/employers/hr-trends/api-integration-with-hr-systems
  baseURL: https://api.unum.com
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/unum-authentication-api-openapi.yml
  - type: Documentation
    url: https://developer.unum.com/s/
  - type: Website
    url: https://www.unum.com/employers/hr-trends/api-integration-with-hr-systems
- aid: unum:unum-billing-api
  name: Unum Billing API
  description: Premium billing and payment management
  humanURL: https://www.unum.com/employers/hr-trends/api-integration-with-hr-systems
  baseURL: https://api.unum.com
  tags:
  - Billing
  properties:
  - type: OpenAPI
    url: openapi/unum-billing-api-openapi.yml
  - type: Documentation
    url: https://developer.unum.com/s/
  - type: Website
    url: https://www.unum.com/employers/hr-trends/api-integration-with-hr-systems
- aid: unum:unum-eligibility-api
  name: Unum Eligibility API
  description: Member eligibility management and verification
  humanURL: https://www.unum.com/employers/hr-trends/api-integration-with-hr-systems
  baseURL: https://api.unum.com
  tags:
  - Eligibility
  properties:
  - type: OpenAPI
    url: openapi/unum-eligibility-api-openapi.yml
  - type: Documentation
    url: https://developer.unum.com/s/
  - type: Website
    url: https://www.unum.com/employers/hr-trends/api-integration-with-hr-systems
- aid: unum:unum-enrollment-api
  name: Unum Enrollment API
  description: Benefits enrollment and lifecycle management
  humanURL: https://www.unum.com/employers/hr-trends/api-integration-with-hr-systems
  baseURL: https://api.unum.com
  tags:
  - Enrollment
  properties:
  - type: OpenAPI
    url: openapi/unum-enrollment-api-openapi.yml
  - type: Documentation
    url: https://developer.unum.com/s/
  - type: Website
    url: https://www.unum.com/employers/hr-trends/api-integration-with-hr-systems
- aid: unum:unum-evidence-of-insurability-api
  name: Unum Evidence of Insurability API
  description: EOI submission and status tracking
  humanURL: https://www.unum.com/employers/hr-trends/api-integration-with-hr-systems
  baseURL: https://api.unum.com
  tags:
  - Evidence of Insurability
  properties:
  - type: OpenAPI
    url: openapi/unum-evidence-of-insurability-api-openapi.yml
  - type: Documentation
    url: https://developer.unum.com/s/
  - type: Website
    url: https://www.unum.com/employers/hr-trends/api-integration-with-hr-systems
- aid: unum:unum-leave-management-api
  name: Unum Leave Management API
  description: Leave and absence request management
  humanURL: https://www.unum.com/employers/hr-trends/api-integration-with-hr-systems
  baseURL: https://api.unum.com
  tags:
  - Leave Management
  properties:
  - type: OpenAPI
    url: openapi/unum-leave-management-api-openapi.yml
  - type: Documentation
    url: https://developer.unum.com/s/
  - type: Website
    url: https://www.unum.com/employers/hr-trends/api-integration-with-hr-systems
common:
- type: Plans
  url: plans/unum-plans-pricing.yml
- type: RateLimits
  url: rate-limits/unum-rate-limits.yml
- type: FinOps
  url: finops/unum-finops.yml
- type: CapabilityMap
  url: capabilities/unum-capability-edges.yml
  name: Unum Business Capability Map
- type: AgenticAccess
  url: agentic-access/unum-agentic-access.yml
- type: DomainSecurity
  url: security/unum-domain-security.yml
- type: Authentication
  url: authentication/unum-authentication.yml
- type: OAuthScopes
  url: scopes/unum-scopes.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/unum
- type: Website
  url: https://www.unum.com
- type: DeveloperPortal
  url: https://developer.unum.com/s/
- type: Documentation
  url: https://developer.unum.com/s/
- type: Blog
  url: https://www.unum.com/employers/hr-trends
- type: Case Studies
  url: https://www.broadcom.com/case-studies/automation/unum-better-leverages-apis-to-deepen-customer-relationships-and-improve-customer-loyalty
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Unum API — frequently asked questions

Does Unum have an API?

Yes. APIs.io lists 8 APIs from Unum, including Unum Benefits Enrollment API, Unum Leave and Absence Management API and Unum Authentication API, and 5 more.

Is there an OpenAPI specification for the Unum API?

Yes. APIs.io indexes 6 OpenAPI specifications for Unum, each linked for download from this page.

How do I authenticate with the Unum API?

Unum documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Unum Authentication.

How much does the Unum API cost?

APIs.io lists 1 pricing plan for Unum, with each plan's price, limits and inclusions under Pricing on this page.

Is the Unum API ready for AI agents?

Unum has a Kin Score of 31.1 out of 100 (thin) and an Agent Readiness score of 25.1 (agent-aware), scored by API Evangelist on 2026-11-06.

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