Who we are
Our story, our difference
For 80+ years, Colonial Life has been a leader in worksite benefits, helping organizations big and small attract and retain skilled workers through competitive financial protection.
Empowered by technology, designed by people
From flexible enrollment solutions to tailored benefits and advanced technology, our offerings are designed to make life smoother for both employers and employees.
- Accident insurance
- Cancer insurance
- Critical Illness insurance
- Dental & Vision insurance
- Disability insurance
- Hospital Indemnity insurance
- Life insurance
A track record built on trust
94k
Serves 94,000 businesses and organizations across America1
80+
Protecting employees and their families for more than 80 years1
$1.8B
Manages $1.8 billion of inforce premium1
4.1M
Supports America's workers with coverage from 4.1 million policies1
Fortune 500
Harnesses the capabilities of a Fortune 500 company (Unum Group)2
1 Colonial Life internal data, 2025.
2 Fortune, Fortune 500 List, 2025.
2 Fortune, Fortune 500 List, 2025.
Proven financial success
Colonial Life has built a strong history of financial success by staying true to our mission and focusing on our customers' needs. Our goal is to offer affordable insurance and meet all our financial commitments.
| Agency | Ratings |
|---|---|
| A.M. Best | A (Excellent) |
| Moody’s | A2 (Good) |
| S&P | A (Strong) |
| Fitch | A (Strong) |
Financial strength ratings are given to Colonial Life & Accident Insurance Company and are current as of November 2025.*
Legacy strength, future ready
In 1937, Edwin F. Averyt and J. Clifton Judy started Mutual Accident Company in South Carolina with a sales team of mostly women agents without prior business experience and achieved remarkable success.
1930s
Introduced first insurance (accidental health); renamed company to Colonial Life & Accident Insurance Company
1950s
Pioneered payroll deductions for voluntary benefits; first public sector client (state highway patrol) began offering benefits from Colonial Life
1970s
Early adoption of computer technology ahead of most companies
1980s
Began marketing through section 125 (IRS program) and introduced electronic enrollment capabilities nationwide
1990s
Colonial Life becomes a subsidiary of Unum Group
2000s
Added self service and call center enrollments in addition to our in-person enrollment options
2010s
Expanded online benefits administration systems for employers and employees; created a proprietary mobile app for independent agents
2020s
Expanded online enrollment system capabilities with Gathr, a proprietary enrollment and HR technology system for small to medium size businesses; expanded enrollment options with virtual co-browsing
Today
We continue to innovate with flexible solutions, education, technology and services to help organizations and their people succeed.
Get to know us
Join our team
Were looking for caring, professional people who are committed to putting customers first and making a difference.
Get started today
Newsroom
Get the latest news about Colonial Life and Unum Group, including media coverage, articles and company press releases.
See latest news
Giving back
Learn how we’re building stronger communities through charitable giving, volunteering and local partnerships.
See how we give back
*Financial strength ratings are given to Colonial Life & Accident Insurance Company and are current as of November 2025. The A.M. Best financial strength rating scale includes 13 ratings ranging from A++ (Superior) to D (Poor). The A (Excellent) rating is the third highest rating out of 13 ratings. The Fitch financial strength ratings scale includes 9 ratings ranging from AAA (Exceptionally Strong) to C (Distressed). The A (Strong) rating is the third highest rating out of 9. Moody’s financial strength ratings scale includes 9 ratings ranging from Aaa (Exceptional) to C (Extremely Poor). The A2 (Good) is the third highest rating out of 9 ratings. The S&P financial strength rating scale includes 10 ratings ranging from AAA (Extremely Strong) to D (Selective Default). The A (Strong) rating is the third highest rating out of 10 ratings.
Gathr is a registered trademark of Colonial Life & Accident Insurance Company.