Citizens (NYSE:CIA – Get Free Report) and Unum Group (NYSE:UNM – Get Free Report) are both finance companies, but which is the superior business? Comparatively, Unum Group has a beta of 0.26, suggesting that its stock price is 74% less volatile than the S&P 500. Get Citizens alerts:Analyst RecommendationsThis is a breakdown of current ratings and recommmendations for Citizens and Unum Group, as provided by MarketBeat.com. Given Unum Group’s stronger consensus rating and higher possible upside, analysts clearly believe Unum Group is more favorable than Citizens. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants.