Unum Group (NYSE:UNM) Q2 2020 Earnings Conference Call July 29, 2020 8:00 AM ET Company Participants Tom White – Investor Relations Rick McKenney – President and Chief Executive Officer Steve Zabel – Chief Financial Officer Mike Simonds – Chief Operating Officer Tim Arnold – Head-Colonial Life and Voluntary Benefits Conference Call Participants Humphrey Lee – Dowling & Partners Ryan Krueger – KBW Tom Gallagher – Evercore Andrew Kligerman – Credit Suisse Mark Hughes – SunTrust Suneet Kamath – Citi Erik Bass ...

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 June 30, 2020 ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 Commission file number 001-11294 Unum Group (Exact name of registrant as specified in its charter) Delaware 62-1598430 (State or other jurisdiction of incorpo ...

(Exact name of registrant as specified in its charter) UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q Delaware 62-1598430 (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2020 ☐ 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 (Registrant's telephone number, includ ...

Unum Group (NYSE:UNM) Q1 2020 Results Earnings Conference Call May 5, 2020 8:00 AM ET Company Participants Tom White - SVP, IR Rick McKenney - President & CEO Steven Zabel - Executive Vice President & CFO Mike Simonds - Executive Vice President & COO Peter O'Donnell - Executive Vice President UNUM International Tim Arnold - Executive Vice President Voluntary Benefits &President of Colonial Life Conference Call Participants Ryan Krueger - Keefe, Bruyette & Woods Jimmy Bhullar - JP Morgan Mark Hughes - SunTr ...

Competitive Environment - The company operates in a highly competitive environment, particularly in the voluntary benefits market, facing significant competition from both traditional and non-traditional insurers[104]. - The company must attract and retain independent agents and brokers to market its products, facing competition for these resources based on product offerings and financial strength[108]. Regulatory Environment - The company’s U.S. insurance subsidiaries are subject to extensive regulation, including oversight by state insurance regulators and the U.S. Department of Labor, which impacts operational compliance[111]. - Risk-based capital (RBC) standards are prescribed by the National Association of Insurance Commissioners (NAIC), which assess the adequacy of statutory capital for life and health insurers[116]. - The NAIC is reviewing solvency regulation frameworks, which may lead to significant changes in capital requirements and risk management practices for U.S. insurance subsidiaries[117]. - The company’s Polish insurance subsidiary is regulated by the Financial Supervision Authority, ensuring adherence to local financial health and stability standards[114]. - The NAIC has established a subgroup to study the use of captive reinsurers and special purpose vehicles, considering uniformity in approval and supervision[120]. - The NAIC has adopted the Corporate Governance Annual Disclosure Model Act, effective in Maine, Massachusetts, and Tennessee, requiring U.S. insurers to disclose governance practices[126]. - The Insurance Data Security Model Law requires insurance companies to establish cybersecurity programs to protect consumer data, currently effective only in South Carolina[127]. - The laws in most states require regulatory approval for a change in control of an insurance company, which may discourage potential acquisition proposals[129]. Financial Performance and Stability - The company’s financial strength ratings are assessed by agencies such as AM Best, Fitch, Moody's, and S&P, reflecting its capacity to meet obligations to policyholders[99]. - The company’s ability to generate sufficient internal liquidity and obtain external financing is critical for maintaining operational stability and growth[14]. - The company is monitoring developments related to international insurance regulatory reforms that may influence future capital requirements and operational strategies[118]. - Unum Limited adheres to Solvency II requirements, including capital adequacy and liquidity requirements, with its European holding company approved to use its own internal model for calculating regulatory capital[121]. - The Solvency II capital regime is currently not expected to change due to the U.K.'s exit from the EU, but economic conditions may cause volatility in solvency ratios[122]. - Adjusted operating revenue for Unum International segment was approximately 6% of consolidated adjusted operating revenue for 2019, 2018, and 2017[135]. - Federal tax laws and regulations are subject to change, which could materially impact federal taxes and reduce profitability for Unum[133]. Leadership and Management - Mr. Bhasin appointed as Executive Vice President, Chief Information and Digital Officer in March 2018, previously held multiple senior roles at Waste Management, Inc.[144]. - Ms. Iglesias joined as Executive Vice President, General Counsel in January 2015, previously served as Senior Vice President at WellCare Health Plans, Inc.[145]. - Ms. Leiper appointed as Executive Vice President, Chief Investment Officer in October 2019, previously held senior finance roles at USAA and Unum Group since 1985[146]. - Mr. O'Donnell named Executive Vice President, Unum International in February 2020, previously served as CEO of Unum UK since September 2012[147]. - Mr. Pyne appointed as Executive Vice President, Group Benefits in February 2020, previously held various senior positions within the Company's U.S. distribution organization since 1992[148].

Unum Group (NYSE:UNM) Q4 2019 Earnings Conference Call February 5, 2020 9:00 AM ET Company Participants Tom White - SVP, IR Rick McKenney - President, CEO & Director Steven Zabel - CFO Mike Simonds - COO Peter O'Donnell - Head of International Bussiness Tim Arnold - Head of Colonial Life Conference Call Participants Ryan Krueger - KBW Suneet Kamath - Citi Thomas Gallagher - Evercore ISI Humphrey Lee - Dowling & Partners Andrew Kligerman - Credit Suisse Eric Bass - Autonomous Research Jimmy Bhullar - JP Morg ...

Unum Group (NYSE:UNM) Q3 2019 Earnings Conference Call October 30, 2019 9:00 PM ET Company Participants Thomas White - SVP, IR Richard McKenney - President, CEO & Director Steven Zabel - EVP & CFO Michael Simonds - EVP, President & CEO, Unum US Timothy Arnold - EVP, President & CEO, Colonial Life Peter O'Donnell - EVP & CEO, Unum International Conference Call Participants Jimmy Bhullar - JPMorgan Humphrey Lee - Dowling & Partners Ryan Krueger - KBW Andrew Kligerman - Credit Suisse Suneet Kamath - Citi John ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) Commission file number 1-11294 Unum Group (Exact name of registrant as specified in its charter) Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐ ( ...

Unum Group (NYSE:UNM) Q2 2019 Earnings Conference Call July 31, 2019 9:00 AM ET Company Participants Thomas White - SVP, IR Richard McKenney - President, CEO & Director Steven Zabel - EVP & CFO Michael Simonds - EVP, President & CEO, Unum US Timothy Arnold - EVP, President & CEO, Colonial Life Peter O'Donnell - EVP & CEO, Unum International Conference Call Participants Ryan Krueger - KBW Humphrey Lee - Dowling & Partners Securities Thomas Gallagher - Evercore ISI Erik Bass - Autonomous Research Alex Scott - ...

(Mark One) Commission file number 1-11294 Unum Group (Exact name of registrant as specified in its charter) Delaware 62-1598430 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q 1 Fountain Square Chattanooga, Tennessee 37402 (Address of principal executive offices) (Zip code) (423)294-1011 (Registrant's telephone number, including area code) Not Applicable (Former name, former ...