All investors love getting big returns from their portfolio, whether it's through stocks, bonds, ETFs, or other types of securities. But when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that measures a dividend as a percent of the current stock price. Many academic studies show that dividends make up large portions of long-term returns, and in many cases, dividend contributions surpass one-third of total returns.Unum in FocusHeadquartered in Chattanooga, Unum (UNM) is a Finance stock that has seen a price change of -7.36% so far this year. Currently paying a dividend of $0.33 per share, the company has a dividend yield of 3.47%. In comparison, the Insurance - Accident and Health industry's yield is 2.54%, while the S&P 500's yield is 1.8%.Taking a look at the company's dividend growth, its current annualized dividend of $1.32 is up 4.8% from last year. Unum has increased its dividend 4 times on a year-over-year basis over the last 5 years for an average annual increase of 6.16%. Future dividend growth will depend on earnings growth as well as payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Right now, Unum's payout ratio is 21%, which means it paid out 21% of its trailing 12-month EPS as dividend.Earnings growth looks solid for UNM for this fiscal year. The Zacks Consensus Estimate for 2023 is $6.66 per share, which represents a year-over-year growth rate of 7.25%.Bottom LineInvestors like dividends for a variety of different reasons, from tax advantages and decreasing overall portfolio risk to considerably improving stock investing profits. It's important to keep in mind that not all companies provide a quarterly payout.High-growth firms or tech start-ups, for example, rarely provide their shareholders a dividend, while larger, more established companies that have more secure profits are often seen as the best dividend options. Income investors have to be mindful of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. That said, they can take comfort from the fact that UNM is not only an attractive dividend play, but also represents a compelling investment opportunity with a Zacks Rank of #2 (Buy). Is THIS the Ultimate New Clean Energy Source? (4 Ways to Profit) The world is increasingly focused on eliminating fossil fuels and ramping up use of renewable, clean energy sources. Hydrogen fuel cells, powered by the most abundant substance in the universe, could provide an unlimited amount of ultra-clean energy for multiple industries. Our urgent special report reveals 4 hydrogen stocks primed for big gains - plus our other top clean energy stocks. See Stocks NowWant the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Unum Group (UNM): Free Stock Analysis ReportTo read this article on Zacks.com click here.Zacks Investment Research