 The DOL says an investigation found that Unum often accepted premiums without verifying if participants were insurable. After the participant died, the agency says, Unum would then often deny claims, saying it never received proof of insurability. The agency says it also found that Unum provided coverage to some dependents without evidence of their insurability. If they died within two years, Unum would often deny claims, saying there was a delayed effective date of coverage.