CHATTANOOGA, Tenn.--(BUSINESS WIRE)--Unum Group (NYSE: UNM) announced today that it has completed an offering of $300 million aggregate principal amount of senior notes due in 2035 with an annual coupon rate of 5.250 percent. The net proceeds from the sale of the senior notes will be used for general corporate purposes, including the replacement of cash and cash equivalents used to repay the $275 million aggregate principal amount of the company's 3.875% senior notes due 2025 that matured on No. ...

OLDWICK, N.J.--(BUSINESS WIRE)-- #insurance--AM Best has assigned a Long-Term Issue Credit Rating (Long-Term IR) of "bbb+†(Good) to the recently issued $300 million of 5.250% senior unsecured notes due Dec. 15, 2035, issued by Unum Group (Unum) (headquartered in Chattanooga, TN) [NYSE: UNM]. The outlook assigned to this Credit Rating (rating) is stable. The proceeds will be used for general corporate purposes, as well as repayment of the $275 million aggregate principal amount of outstanding senior unsecur. ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2025 ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-11294 Unum Group (Exact name of registrant as specified in its charter) Delaware 62-1598430 (State or other jurisdiction of in ...

Key Takeaways Unum Group's Q3 operating income fell 1.8% to $2.09 per share, missing estimates by 2.7%. Revenues rose 5% to $3.4B, led by higher premium income and strength in Colonial Life and U.K. units. Book value per share climbed 8.7% to $64.56, while liquidity reached $2B and buybacks totaled $253.3M. Unum Group’s (UNM) third-quarter 2025 operating net income of $2.09 per share missed the Zacks Consensus Estimate by 2.7%. The bottom line decreased 1.8% year over year.The quarterly results reflected hi ...

Unum Group (NYSE:UNM) Q3 2025 Earnings Call November 04, 2025 08:00 AM ET Company ParticipantsMaxwell Fisher - Equity Research AnalysTim Arnold - Heads of Colonial Life and Voluntary Benefits LinesMark Till - CEORick McKenney - President and CEORyan Krueger - Managing Director of Equity ResearchChris Pyne - EVP of Group BenefitsSteve Zabel - CFOMatt Royal - Head of Investor RelationsConference Call ParticipantsElyse Greenspan - Managing Director and Senior Equity AnalystJosh Shanker - Equity Research Analys ...

Unum Group (NYSE:UNM) Q3 2025 Earnings Call November 04, 2025 08:00 AM ET Company ParticipantsMaxwell Fisher - Equity Research AnalysTim Arnold - Heads of Colonial Life and Voluntary Benefits LinesMark Till - CEORick McKenney - President and CEORyan Krueger - Managing Director of Equity ResearchChris Pyne - EVP of Group BenefitsSteve Zabel - CFOMatt Royal - Head of Investor RelationsConference Call ParticipantsElyse Greenspan - Managing Director and Senior Equity AnalystJosh Shanker - Equity Research Analys ...

Unum Group (NYSE:UNM) Q3 2025 Earnings Call November 04, 2025 08:00 AM ET Speaker0Hello, and thank you for standing by. My name is Bella, and I will be your conference operator today. At this time, I would like to welcome everyone to Unum Group 3Q twenty twenty five Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question and answer session.We do request for today's session that you please limit to one question and on ...

Unum Group (NYSE:UNM) Q3 2025 Earnings Call November 04, 2025 08:00 AM ET Speaker2Hello, and thank you for standing by. My name is Bella, and I will be your conference operator today. At this time, I would like to welcome everyone to Unum Group 3Q 2025 earnings conference call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. We do request for today's session that you please limit to one question and one follow-up. ...

Unum Group Statistical Supplement Third Quarter 2025 TABLE OF CONTENTS (in millions of dollars, except share data and where noted) Interim Results are Unaudited | | Page | | --- | --- | | Financial Highlights | 1 | | Capital Metrics | 2 | | Ratings | 3 | | Consolidated Statements of Income | 4 | | Sales Data by Segment | 5 | | Consolidated Balance Sheets | 6 | | Financial Results by Segment | 7 | | Quarterly Historical Financial Results by Segment | 8 | | Financial Results and Selected Statistics by Segment ...

Financial Performance - Premium income for Q3 2025 was $2,688.0 million, an increase from $2,628.8 million in Q3 2024, representing a growth of 2.3%[5] - Adjusted operating revenue for the nine months ended September 30, 2025, reached $9,923.3 million, up from $9,675.2 million in the same period of 2024, reflecting a growth of 2.6%[5] - Net income for Q3 2025 was $39.7 million, a significant decrease from $645.7 million in Q3 2024, indicating a decline of 93.8%[5] - Total revenue for Q3 2025 was $3,378.4 million, compared to $3,217.0 million in Q3 2024, marking an increase of 5.0%[5] - Total operating revenue for Unum Group rose by 0.6% to $3,250.4 million for the three months ended September 30, 2025, from $3,229.9 million in the prior year[30] - Total operating revenue for the nine months ended September 30, 2025, was $2,760.3 million, a decrease of 0.7% from $2,780.6 million in the same period of 2024[40] Equity and Liabilities - Adjusted stockholders' equity as of September 30, 2025, was $12,494.6 million, down from $13,078.5 million a year earlier, a decrease of 4.5%[6] - The total stockholders' equity (book value) as of September 30, 2025, was $10,908.8 million, slightly down from $10,951.4 million in the previous year[6] - Total liabilities increased to $52.77 billion as of September 30, 2025, compared to $50.99 billion at the end of 2024[23] - The company’s retained earnings grew to $13.25 billion as of September 30, 2025, up from $12.91 billion at the end of 2024[23] - Total Stockholders' Equity as of September 30, 2025, is $10,908.8 million, a decrease from $11,320.0 million on June 30, 2025[88] Sales Performance - Total sales for the Unum US segment reached $179.1 million in Q3 2025, a 16.1% increase from $154.3 million in Q3 2024[13] - Group Long-term Disability sales increased by 16.4% to $28.4 million in Q3 2025, compared to $24.4 million in Q3 2024[13] - Group Short-term Disability sales surged by 56.6% to $24.9 million in Q3 2025, up from $15.9 million in Q3 2024[13] - Total sales for the Unum International segment rose to $49.7 million in Q3 2025, a 30.1% increase from $38.2 million in Q3 2024[16] - Life insurance sales increased by 11.6% to $31.8 million in Q3 2025, compared to $28.5 million in Q3 2024[18] Investment Income - Unum US reported a net investment income decrease of 5.7% to $151.9 million for the three months ended September 30, 2025, down from $161.0 million in the previous year[30] - Net investment income for the three months ended September 30, 2025, was $75.3 million, down from $78.7 million in the same period of 2024[40] - Net Investment Income for the three months ended September 30, 2025, was $224.7 million, down 20.9% from $284.3 million in the prior year[56] Benefits and Expenses - Total benefits and expenses for Q3 2025 were $3,323.9 million, a significant increase from $2,402.4 million in Q3 2024[11] - Benefits and expenses for Unum US increased by 3.4% to $1,486.0 million for the three months ended September 30, 2025, compared to $1,437.7 million in the same period of 2024[31] - The total benefits and expenses for the three months ended September 30, 2025, were $680.0 million, a decrease of 0.6% from $684.0 million in the same period of 2024[40] Ratios and Returns - The adjusted operating return on equity for Unum US was 23.9% in Q3 2025, down from 25.5% in Q3 2024[5] - The benefit ratio for Unum US was 59.4% in Q3 2025, slightly up from 58.5% in Q3 2024[37] - The benefit ratio for the three months ended September 30, 2025, was 61.3%, an increase from 59.1% in the same period of 2024[40] - The adjusted operating income ratio for the three months ended September 30, 2025, was 17.0%, down from 19.8% in the same period of 2024[42] Market Performance - The company maintained stable ratings across major agencies, with a financial strength rating of 'A' for several subsidiaries[9] - The leverage ratio for the nine months ended September 30, 2025, was 23.4%, compared to 21.3% for the same period in 2024, indicating an increase in leverage[6] - The leverage ratio and book value per common share are important measures that exclude certain components of accumulated other comprehensive income (AOCI)[70] Corporate Segment - Total Operating Revenue for the Corporate Segment was $20.0 million for the three months ended September 30, 2025, compared to $12.5 million in the same period of 2024[58] - Loss Before Income Tax and Net Investment Gains and Losses for the Corporate Segment was $(47.7) million for the three months ended September 30, 2025, compared to $(64.7) million in the same period of 2024[58] - The Adjusted Operating Loss for the Corporate Segment was $(47.7) million for the three months ended September 30, 2025, compared to $(49.4) million in the same period of 2024[58] Reinsurance and Reserves - The reinsurance agreement with Fortitude Re covers approximately 21% of total Closed Block long-term care future policy benefits and 15% of Unum US individual disability future policy benefits as of December 31, 2024[68] - The third quarter of 2025 saw a net reserve increase of $478.5 million before tax, while the third quarter of 2024 experienced a net reserve decrease of $357.4 million before tax[68]