# Unum

**Canonical:** https://apis.io/providers/unum/  
**Website:** https://www.unum.com  
**APIs profiled:** 8

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.

## Kin Score — 37.3 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 37.3).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 67.9 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 13.2 |
| Access Clarity | 13.2 |

Regulatory layer — **Insurance**: 51.5 (matched via tags).

## Agent readiness — 29.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Enterprise · Self-serve signup — onboarding: self-serve, pricing: enterprise, trial: no (confidence: high).

## APIs (8)

- **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

## Agentic access (1)

- **Unum Agentic Access** — 18 operations · 8 acting · 1 human-in-the-loop

## Security (2)

- **Unum Authentication** — oauth2 · 1 scheme
- **Unum Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Unum Plans Pricing**

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/unum/). Scores are computed from the provider's own public artifacts under a published rubric.