Financial Performance - Premium income for Q3 2025 reached $2,688 million, a 2.3% increase from Q3 2024, and $8,139 million for the first nine months, up 3.5% year-over-year[317]. - Total revenue for Q3 2025 was $3,378 million, reflecting a 5.0% increase from Q3 2024, and $9,831 million for the first nine months, up 1.9% year-over-year[317]. - Net income for Q3 2025 was $39.7 million, a significant decline of 93.9% compared to $645.7 million in Q3 2024, with a year-to-date net income of $564.4 million, down 60.5%[317]. - Adjusted Operating Income for the first nine months of 2025 was $377.5 million, a decrease of 20.5% from $474.7 million in the same period of 2024[336]. - Adjusted operating income for the Unum US segment was $334.9 million in Q3 2025, a decrease of 7.8% compared to Q3 2024[335]. - Adjusted operating income for the Closed Block segment was $14.1 million in Q3 2025, a 58.8% decline from $34.2 million in Q3 2024, reflecting challenges in the long-term care product line[387]. Investment Income - Net investment income decreased by 9.7% to $477 million in Q3 2025, and by 2.3% to $1,551 million for the first nine months compared to the previous year[317]. - Net investment income decreased in Q3 2025 and the first nine months of 2025 compared to the same periods in 2024, primarily due to a decrease in invested assets and yield, partially offset by higher income from inflation index-linked bonds[322]. - Net investment income dropped by 21.0% to $224.7 million in Q3 2025 compared to $284.3 million in Q3 2024, primarily due to a decrease in invested assets following the Fortitude Re reinsurance transaction[389]. - Net investment income grew by 19.1% to $36.2 million in Q3 2025, up from $30.4 million in Q3 2024, primarily due to higher income from inflation index-linked bonds[362][367]. Policy Benefits and Claims - Policy benefits for Q3 2025 totaled $1,849 million, a slight decrease of 0.8% from Q3 2024, while year-to-date policy benefits increased by 2.3% to $5,755 million[317]. - The overall benefits experience was unfavorable in Q3 2025, with policy benefits totaling $1,048.1 million, a slight increase of 0.2% from Q3 2024[335]. - The benefit ratio for Group Disability was 61.3% in Q3 2025, up from 59.1% in Q3 2024, indicating less favorable performance[337]. - The benefit ratio for Group Life was 66.0% in Q3 2025, compared to 65.0% in Q3 2024, reflecting higher average claim sizes[342]. - The benefit ratio for Colonial Life was 48.2% in Q3 2025, compared to 47.6% in Q3 2024, indicating less favorable benefit experience[381]. Sales and Premium Growth - Premium income growth was driven by higher sales and in-force block growth, despite declines in the Closed Block segment due to reinsurance transactions[320]. - Unum International segment sales increased by 30.1% in Q3 2025, reaching $49.7 million compared to $38.2 million in Q3 2024[329]. - Colonial Life segment sales grew by 3.1% in Q3 2025, totaling $124.6 million, compared to $120.9 million in Q3 2024[329]. - Total sales for the third quarter of 2025 were $179.1 million, a 16.1% increase from $154.3 million in the same period of 2024[351]. - Sales in the core market (less than 1,000 employees) increased by 9.3% to $76.4 million in Q3 2025 compared to $69.9 million in Q3 2024, contributing to overall commercial sector growth[383]. Operational Efficiency and Strategy - The company plans to enhance digital capabilities and technology to improve customer experience and operational efficiency in 2025[353]. - The company plans to focus on scaling its business and broadening its product portfolio in 2025, aiming to improve customer retention and drive growth[375]. - The company anticipates a slight increase in the operating expense ratio as it continues to invest in its people and capabilities[355]. - The other expense ratio rose in Q3 2025 compared to Q3 2024, primarily due to operational investments in the business[370]. Reinsurance and Financial Transactions - The Fortitude Re reinsurance transaction resulted in a net gain of $137.6 million in Q3 2025 but a net loss of $46.8 million for the first nine months of 2025, alongside a $19.1 million loss on sales of fixed maturity securities[323]. - A reinsurance agreement with Fortitude Re was entered to cede a portion of the individual disability business, affecting future income[358]. - The company transferred fixed maturity securities valued at $3,230.1 million to Fortitude Re, resulting in a net gain of $137.6 million for Q3 2025[404]. - An extraordinary dividend of $630 million was paid to Unum Group, funded by the sale of fixed maturity securities with a fair value of $81.8 million[405]. Debt and Capital Management - As of September 30, 2025, the long-term debt balance was $3,470.8 million, and short-term debt was $274.9 million[442]. - The company repurchased 10.3 million shares at a cost of $750.0 million during the nine months ended September 30, 2025[431]. - The board of directors authorized a repurchase program with an authorized amount of $1,000 million, with $550 million and $706.8 million spent under the previous programs[432]. - Dividends paid to stockholders during the first nine months of 2025 totaled $228.9 million, up from $219.3 million in 2024[461]. Ratings and Regulatory Compliance - The financial strength ratings for all traditional insurance subsidiaries remain stable, with ratings of 'A' from AM Best and 'A2' from Moody's[469]. - Fitch revised its outlook for the company to stable from positive in September 2025, reflecting earnings trends and expected capital normalization[469]. - The RBC ratios for U.S. insurance subsidiaries were significantly above the level that would require state regulatory action as of September 30, 2025[436]. - A downgrade in financial strength ratings could adversely affect relationships with distributors and new sales[467].

Core Insights - Unum Group's third-quarter 2025 operating net income was $2.09 per share, missing the Zacks Consensus Estimate by 2.7% and reflecting a 1.8% year-over-year decrease [1][10] - The quarterly results were driven by higher premium income, strong performance at Colonial Life, growth in the in-force block, and favorable persistency in Unum U.K., but were offset by rising expenses [1] Operational Update - Total operating revenues reached $3.4 billion, a 5% increase year over year, surpassing the Zacks Consensus Estimate by 2.5% [2] - Premium income rose 2.2% from the prior-year quarter to $2.7 billion, aligning with estimates [2] Expense Analysis - Total benefits and expenses surged 38.3% year over year to $3.3 billion, primarily due to increased policy benefits and other expenses, exceeding the estimate of $2.8 billion [3] Segment Performance - **Unum U.S.**: Premium income was $1.7 billion, up 1.9% year over year, but adjusted operating income fell 7.8% to $334.9 million, below estimates [4] - **Unum International**: Premium income increased 14% to $281.1 million, with adjusted operating income down 3.7% to $38.8 million, missing estimates [5] - **Unum U.K.**: Premium income grew 7.6% to £171 million, driven by in-force block growth, while adjusted operating income decreased 10.8% to £26.3 million [6] Benefit Ratio and Persistency - The benefit ratio, excluding reserve assumption updates, was 73.8%, worsening by 430 basis points due to unfavorable experiences in group long-term disability [7] - Persistency remained flat year over year in group long-term disability but improved in supplemental and group life lines [8][11] Colonial Life Performance - Colonial Life's premium income rose 3.3% to $456.5 million, supported by favorable persistency and prior sales [8] - Sales decreased 3.1% to $124.6 million, while adjusted operating income increased 2.8% to $116.6 million, both below estimates [9] Capital Management - As of September 30, 2025, the risk-based capital ratio for Unum Group's traditional U.S. insurance companies was approximately 455% [14] - The company reported liquidity of $2 billion and a book value per share growth of 8.7% to $64.56, with buybacks totaling $253.3 million [14]

Financial Data and Key Metrics Changes - Year-to-date premium growth increased by 4%, with earnings per share at $2.09, slightly below expectations due to volatility in the closed block [6][7][15] - Core business profitability trends remain strong, with return on equity for core operations near 20% and overall return on equity at 11.3% [9][11] - Adjusted after-tax operating income per share decreased from $2.13 to $2.09 year-over-year, reflecting strong core business returns that normalized from historic highs [15] Business Line Data and Key Metrics Changes - Unum US segment produced adjusted operating income of $334.9 million, down from $363.3 million a year ago, with premium growth adjusted for ceded business exceeding 4% [16][18] - Colonial Life adjusted operating income increased to $116.6 million, driven by 3.3% premium growth and 3.1% sales growth [19] - International segment reported adjusted operating income of $38.8 million, with premium growth of 9.5% and sales growth of 24.9% [21] Market Data and Key Metrics Changes - Persistency for total group was 89.8%, down from 92.5% a year ago, but still above expectations [18] - Sales growth across core segments was robust, with Group Disability and Group Life showing favorable earnings power [7][8] - The investment portfolio maintained an A-average rating with historically low exposure to below investment-grade securities [10][30] Company Strategy and Development Direction - The company is focused on strategic actions to manage the closed block and reduce associated risks, including a successful long-term care reinsurance transaction [9][10] - Capital priorities include investing in strategic initiatives, pursuing selective M&A opportunities, and returning capital to shareholders through dividends and share repurchases [11][29] - The company aims to enhance its market position through technology initiatives and integrated benefit solutions [8][12] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the ability to deliver sustainable results and maintain strong capital positions, with no future capital contributions expected for long-term care reserves [28][30] - The operating environment is viewed as constructive, with ongoing discussions for potential future risk transfer deals [66] - The company remains focused on driving innovation and operational excellence while preparing for continued growth into 2026 [31][32] Other Important Information - The annual reserve assumption review resulted in a net increase in reserves of $478.5 million pre-tax, with strategic actions taken to de-risk the long-term care block [15][23] - The company returned nearly $1 billion to shareholders through share repurchases and dividends in the first nine months of the year [11][29] Q&A Session Summary Question: Can you provide more color on the statutory side of the LTC assumption review? - Management explained that the reserve charge impacted the entire block of business, with adjustments made flowing through to protections without significantly impacting statutory reserving levels [36][38] Question: What is the rationale for keeping capital in Fairwind? - Management indicated that leaving capital in Fairwind is prudent given the strong protections in place [39][40] Question: How do the recent assumption changes impact the premium rate increases? - Management confirmed that the changes are linked to the removal of morbidity and mortality improvement assumptions, which will flow through to the rate increase program [44][45] Question: What is the outlook for group disability recoveries? - Management expressed confidence in the stability of recoveries, noting that the process for managing group disability remains effective [58][89] Question: Will share buybacks potentially ramp up next year? - Management stated that while share repurchases have been increasing, the focus will remain on growing core operations and pursuing selective M&A opportunities [93][94]

Financial Data and Key Metrics Changes - Year-to-date premium growth increased by 4%, with earnings per share at $2.09, slightly below expectations due to volatility in the closed block [6][7][15] - Core business profitability trends remain strong, with return on equity for core operations near 20% and overall return on equity at 11.3% [9][11] - Adjusted after-tax operating income per share decreased from $2.13 to $2.09 year-over-year, reflecting strong core business returns that normalized from historic highs [15] Business Line Data and Key Metrics Changes - Unum US segment produced adjusted operating income of $334.9 million, down from $363.3 million a year ago, with premium growth adjusted for ceded business exceeding 4% [16][18] - Colonial Life adjusted operating income increased to $116.6 million, driven by 3.3% premium growth and 3.1% sales growth [19] - International segment adjusted operating income totaled $38.8 million, with premium growth of 9.5% and sales growth of 24.9% [21] Market Data and Key Metrics Changes - Group Disability produced adjusted operating earnings of $133.5 million, with a benefit ratio of 61.3%, aligning with low 60s guidance [16][17] - Persistency for total group was 89.8%, slightly down from 92.5% a year ago, but above expectations [18] - The closed block produced adjusted operating income of $14.1 million, down from $34.2 million in the prior year, impacted by lower alternative investment income [21][22] Company Strategy and Development Direction - The company is focused on managing the closed block strategy and reducing associated risks, with no future capital contributions expected [10][28] - Strategic actions include the successful closing of a long-term care reinsurance transaction and ongoing management of the block to strengthen long-term stability [9][10] - The company aims to invest in strategic initiatives, pursue selective M&A opportunities, and return capital to shareholders through dividends and share repurchases [11][29] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the core business's ability to deliver sustainable results and maintain strong margins [31][32] - The company anticipates continued growth into 2026, supported by a disciplined approach to pricing and risk selection [12][31] - Management highlighted the importance of technology initiatives in driving engagement and retention among employers and employees [8][12] Other Important Information - The annual reserve assumption review resulted in a net increase in reserves of $478.5 million pre-tax, with strategic actions taken to de-risk the long-term care block [15][23] - The investment portfolio maintains an A-average rating with historically low exposure to below investment-grade securities [10][30] - The company returned nearly $1 billion to shareholders through share repurchases and dividends in the first nine months of the year [11][29] Q&A Session Summary Question: Can you provide more color on the statutory side of the LTC assumption review? - Management explained that the reserve charge impacted the entire block of business, with adjustments made that did not significantly affect statutory reserving levels [36][38] Question: What is the rationale for keeping capital in FairWind? - Management indicated that it is prudent to leave capital in FairWind due to strong protections in place [39][40] Question: How do the recent assumption changes impact the rate increase program? - Management confirmed that the changes in assumptions will flow through to the rate increase program, which is expected to be manageable and consistent with historical practices [44][85] Question: What are the expectations for group disability recoveries? - Management expressed confidence in the stability of recoveries, noting that the team effectively manages the group disability block [58][89] Question: What is the outlook for share buybacks and other uses of cash? - Management stated that capital deployment plans remain consistent, with a focus on growing core operations and pursuing selective M&A opportunities [93][94]

Financial Data and Key Metrics Changes - Year-to-date premium growth increased by 4%, with earnings per share at $2.09, slightly below expectations due to volatility in the closed block [5][6][16] - Return on equity for core operations remains near 20%, while the overall return on equity is 11.3% [10][12] Business Line Data and Key Metrics Changes - Core business profitability trends show strong performance, with group disability and group life demonstrating favorable earnings power [7][10] - Unum US segment adjusted operating income was $334.9 million, down from $363.3 million year-over-year, with group disability adjusted operating earnings at $133.5 million [19][21] - Colonial Life adjusted operating income increased to $116.6 million, driven by a 3.3% premium growth [22] - International segment adjusted operating income totaled $38.8 million, with premium growth of 9.5% [23] Market Data and Key Metrics Changes - Persistency for total group was 89.8%, compared to 92.5% a year ago, indicating strong retention [21] - Sales growth across core segments was robust, with a 12% increase in sales for the quarter [7] Company Strategy and Development Direction - The company is focused on strategic actions to advance its closed block strategy and reduce associated risks, including a successful long-term care reinsurance transaction [11][12] - Investment priorities include strengthening core businesses, pursuing selective M&A opportunities, and returning capital to shareholders [13][33] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to deliver sustainable results and emphasized the importance of digital initiatives in driving growth [14][36] - The company remains committed to proactive management of the closed block and believes no future capital contributions will be necessary [31][36] Other Important Information - The annual reserve assumption review resulted in a net increase in reserves of $478.5 million pretax, with strategic actions taken to derisk the long-term care block [17][25] - The investment portfolio maintains an A-minus average rating, with strong underlying statutory earnings of approximately $300 million [12][34] Q&A Session Summary Question: Can you provide more color on the statutory side of VLCC assumption review? - Management explained that the reserve charge impacted the entire block of business, with adjustments made flowing through to protections without significantly affecting statutory reserving levels [41][42] Question: What is the rationale behind keeping capital in Fairwind? - Management indicated that retaining capital in Fairwind is prudent given the strong protections available [46] Question: How do the recent changes impact the actuarial justified rate increases? - Management confirmed that the changes are linked to the removal of morbidity and mortality improvement assumptions, which will flow through to the rate increase requests [51][52] Question: What are the expectations for group disability recoveries? - Management expressed confidence in the stability of recoveries, noting that the team has effectively managed the group disability block [66][100] Question: What is the outlook for share buybacks and other uses of cash? - Management stated that capital deployment plans remain consistent, with a focus on growing core operations and pursuing selective M&A opportunities [108]

Financial Data and Key Metrics Changes - Year-to-date premium growth increased by 4%, with earnings per share at $2.09, slightly below expectations due to volatility in the closed block [4][5][13] - Adjusted after-tax operating income per share decreased from $2.13 in the same period last year to $2.09 this quarter [13] - Return on equity for core operations remains near 20%, while the overall return on equity is 11.3% [8][10] Business Line Data and Key Metrics Changes - Core operations premium grew 2.9%, exceeding 4% when adjusted for ceded business impacts [12] - Unum US adjusted operating income was $334.9 million, down from $363.3 million year-over-year, with Group Disability adjusted operating earnings at $133.5 million [14][15] - Colonial Life's adjusted operating income increased to $116.6 million, with premium growth of 3.3% [17] - International segment reported adjusted operating income of $38.8 million, with premium growth of 9.5% [18] Market Data and Key Metrics Changes - Persistency for total group was 89.8%, down from 92.5% a year ago, but above expectations [16] - Sales growth across core segments was nearly 4.5%, with Unum US growing nearly 4%, Colonial Life up over 3%, and International delivering 10% growth [5][12] Company Strategy and Development Direction - The company is focused on disciplined pricing and risk selection, with a commitment to long-term growth and profitability [7][10] - Strategic actions taken include a long-term care reinsurance transaction to manage risk and reduce the size of the closed block [8][9] - The company aims to invest in strategic initiatives, pursue selective M&A opportunities, and return capital to shareholders [10][25] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the core business's ability to deliver sustainable results and maintain strong margins [11][27] - The company anticipates continued growth into 2026, supported by a robust capital position and strategic initiatives [27][28] Other Important Information - The annual reserve assumption review resulted in a net increase in reserves of $478.5 million pre-tax, with significant impacts on long-term care [13][20] - The investment portfolio maintains an A-average rating, with historically low exposure to below investment-grade securities [10][26] Q&A Session Summary Question: Can you provide more color on the statutory side of the LTC assumption review? - Management indicated that the adjustments impacted the entire block of business, with statutory reserving levels remaining well in excess of best estimate reserves [30][31] Question: What is the rationale for keeping capital in Fairwind? - Management decided to retain capital in Fairwind due to strong protections and a robust capital position [32] Question: How do the recent assumption changes impact the premium rate increases? - The changes are linked to the removal of morbidity and mortality improvement assumptions, which will flow through to the rate increase program [34][36] Question: What is the outlook for group disability recoveries? - Management reported stable recoveries and a benefit ratio around 62%, indicating confidence in the sustainability of recovery trends [41][42] Question: What are the plans for share buybacks and capital management? - The company plans to continue increasing share repurchases while prioritizing investments in core operations and selective M&A opportunities [58][59]

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]

Group 1 - The article does not provide any specific information or insights regarding a company or industry [1]

Core Insights - Unum Group (UNM) is anticipated to show improvements in both revenue and earnings for Q3 2025, with revenue expected at $3.30 billion, reflecting a 2.4% year-over-year growth, and earnings estimated at $2.16 per share, indicating a 1.4% increase from the previous year [1] Financial Performance Expectations - The Zacks Consensus Estimate for premium income is projected at $2.7 billion, suggesting a 2.3% increase from the year-ago quarter [4] - Miscellaneous investment income is estimated at $531.8 million, with a consensus estimate of $532 million, indicating a 0.7% increase from the prior year [5] - Total benefits and expenses are expected to reach $2.8 billion, influenced by higher policy benefits, commissions, and other expenses [9] Segment Performance - Unum U.S. operating revenues are estimated at $2 billion, while Colonial Life's revenues are projected at $485.4 million [7] - Unum International is expected to generate $291 million in operating revenues, benefiting from improved sales and persistency [7] - The performance of Unum U.S. and Colonial Life is likely driven by higher premium income and favorable recoveries in various product lines [6] Earnings Prediction Model - Unum Group currently has an Earnings ESP of -0.26%, indicating that the most accurate estimate of $2.15 is lower than the consensus estimate of $2.16, suggesting a lack of conclusive evidence for an earnings beat [2] - The company holds a Zacks Rank of 3, indicating a "Hold" rating [3]