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  <xs:element id="unm_UnumUsMember" abstract="true" name="UnumUsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_UnumInternationalMember" abstract="true" name="UnumInternationalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_ColonialLifeMember" abstract="true" name="ColonialLifeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_ClosedBlockMember" abstract="true" name="ClosedBlockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_OtherProductsMember" abstract="true" name="OtherProductsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_LiabilityForFuturePolicyBenefitBeforeReinsuranceBeforeOther" abstract="false" name="LiabilityForFuturePolicyBenefitBeforeReinsuranceBeforeOther" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_LiabilityForFuturePolicyBenefitOther" abstract="false" name="LiabilityForFuturePolicyBenefitOther" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_LiabilityForFuturePolicyBenefitBeforeReinsuranceAfterOther" abstract="false" name="LiabilityForFuturePolicyBenefitBeforeReinsuranceAfterOther" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_FundingAgreementsMember" abstract="true" name="FundingAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_PolicyholderAccountBalanceBeforeReservesInExcessOfAccountBalance" abstract="false" name="PolicyholderAccountBalanceBeforeReservesInExcessOfAccountBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_PolicyholderAccountBalanceReservesInExcessOfAccountBalance" abstract="false" name="PolicyholderAccountBalanceReservesInExcessOfAccountBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_PolicyholderAccountBalanceReinsuranceRecoverable" abstract="false" name="PolicyholderAccountBalanceReinsuranceRecoverable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_PolicyholderAccountBalanceAfterReinsuranceRecoverable" abstract="false" name="PolicyholderAccountBalanceAfterReinsuranceRecoverable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_TotalPolicyholdersAccountBalancesAfterReservesInExcessOfAccountBalance" abstract="false" name="TotalPolicyholdersAccountBalancesAfterReservesInExcessOfAccountBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400And0499Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400And0499Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0500And0600Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0500And0600Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400And0500Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400And0500Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0300And0599Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0300And0599Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0600And0899Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0600And0899Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0900And1199Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0900And1199Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom1200And1500Member" abstract="true" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom1200And1500Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_DentalandVisionMember" abstract="true" name="DentalandVisionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_SignificantTransactionAxis" abstract="true" name="SignificantTransactionAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="unm_SignificantTransactionDomain" abstract="true" name="SignificantTransactionDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_A2025FortitudeReReinsuranceTransactionMember" abstract="true" name="A2025FortitudeReReinsuranceTransactionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_GroupLongTermDisabilityMember" abstract="true" name="GroupLongTermDisabilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_GroupShortTermDisabilityMember" abstract="true" name="GroupShortTermDisabilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_GroupLifeMember" abstract="true" name="GroupLifeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_AccidentalDeathDismembermentMember" abstract="true" name="AccidentalDeathDismembermentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_IndividualDisabilityInsuranceMember" abstract="true" name="IndividualDisabilityInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_SupplementalandVoluntaryInsuranceMember" abstract="true" name="SupplementalandVoluntaryInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_UnumPolandMember" abstract="true" name="UnumPolandMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_AdjustedNetInvestmentIncome" abstract="false" name="AdjustedNetInvestmentIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_SegmentAdjustedOperatingRevenue" abstract="false" name="SegmentAdjustedOperatingRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_AdjustedBenefitsAndExpenses" abstract="false" name="AdjustedBenefitsAndExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_UnrelatedToSignificantTransactionMember" abstract="true" name="UnrelatedToSignificantTransactionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_StrategicActionsIncludedWithinNetInvestmentIncome" abstract="false" name="StrategicActionsIncludedWithinNetInvestmentIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_StrategicActions" abstract="false" name="StrategicActions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_StrategicActionsIncludedWithinLaborAndRelatedExpenses" abstract="false" name="StrategicActionsIncludedWithinLaborAndRelatedExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_NumberOfReportableSegmentsDisclosedByDefinitionFlag" abstract="false" name="NumberOfReportableSegmentsDisclosedByDefinitionFlag" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:booleanItemType"/>
  <xs:element id="unm_U.S.PensionPlanMember" abstract="true" name="U.S.PensionPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_U.K.PensionPlanMember" abstract="true" name="U.K.PensionPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_OtherPostretirementBenefitPlanMember" abstract="true" name="OtherPostretirementBenefitPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_RepurchaseProgramAuthorizedInJuly2024Member" abstract="true" name="RepurchaseProgramAuthorizedInJuly2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_RepurchaseProgramAuthorizedInFebruary2025Member" abstract="true" name="RepurchaseProgramAuthorizedInFebruary2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_RepurchaseProgramAuthorizedInDecember2025Member" abstract="true" name="RepurchaseProgramAuthorizedInDecember2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_November2024AcceleratedShareRepurchaseMember" abstract="true" name="November2024AcceleratedShareRepurchaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unm_SharesRepurchasedCommissions" abstract="false" name="SharesRepurchasedCommissions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_ShareRepurchasesExciseTax" abstract="false" name="ShareRepurchasesExciseTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_StockholdersEquityAndEarningsPerCommonShareAdditionalInformationAbstract" abstract="true" name="StockholdersEquityAndEarningsPerCommonShareAdditionalInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="unm_OutstandingRestrictedStockAndStockSuccessUnitGrantPricesLowerLimit" abstract="false" name="OutstandingRestrictedStockAndStockSuccessUnitGrantPricesLowerLimit" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="unm_OutstandingRestrictedStockAndStockSuccessUnitGrantPricesUpperLimit" abstract="false" name="OutstandingRestrictedStockAndStockSuccessUnitGrantPricesUpperLimit" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="unm_NetCashPaidInRelationToReinsuranceAgreement" abstract="false" name="NetCashPaidInRelationToReinsuranceAgreement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_NegativeCedingCommission" abstract="false" name="NegativeCedingCommission" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_DeferredLossOnReinsurance" abstract="false" name="DeferredLossOnReinsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unm_DeferredGainOnReinsurance" abstract="false" name="DeferredGainOnReinsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
