Core Viewpoint - Unum Group will present its business strategy and future growth prospects at the UBS Financial Services Conference on February 9, 2026 [2]. Company Overview - Unum Group (NYSE: UNM) is a leading international provider of workplace benefits and services, operating for over 175 years [3]. - The company offers a range of insurance products including disability, life, accident, critical illness, dental, and vision insurance, as well as leave and absence management support and behavioral health services [3]. - In 2024, Unum Group reported revenues of $12.9 billion and paid out $8.0 billion in benefits [3]. - The company is recognized as one of the World's Most Ethical Companies by Ethisphere® [3].

Automobile Insurance - Suze Orman highlights the risk of dropping comprehensive coverage for older cars to save on premiums, warning that those reliant on their cars for daily commutes may face significant financial loss in case of disasters without insurance payouts [1] Homeowner's Insurance - Orman advises against homeowner's insurance policies that pay out based on cash value, recommending instead policies that cover replacement value to ensure adequate compensation [2] Life Insurance - Orman strongly favors Term Life insurance over Whole Life due to its higher payouts for lower premiums, suggesting that the premium savings should be invested or added to emergency savings [3][4] Credit Cards - Orman encourages the use of credit cards but emphasizes the importance of managing high-interest rates, suggesting strategies like negotiating lower rates and balance transfers to alleviate debt [8] Emergency Savings - A fundamental principle in Orman's advice is maintaining an Emergency Savings account equivalent to one's annual salary, with a focus on building this fund in manageable increments [15][19] Estate Planning - Orman discusses the importance of planning for funeral expenses and health care proxies, emphasizing the need for clear documentation to avoid ambiguity in wishes [11][12]

Group 1 - AXA XL has appointed Jason C. Billingslea as Head of Energy, E&S, based in Dallas, Texas [1] - Billingslea will focus on portfolio expansion, strengthening broker relationships, and delivering innovative strategies to enhance profitability [2] - Betsy Higgens highlighted Billingslea's industry expertise and strategic outlook as key factors for his leadership in the energy division [2][3] Group 2 - Billingslea has extensive experience in the energy sector, previously serving as an Energy Liability Underwriter at AXA XL [3] - His prior roles include Regional Sales Manager at AmTrust Financial Services and General Agency Manager of Growth and Development at Horace Mann Educators Corporation [3]

Core Insights - The Progressive Corporation (PGR) reported fourth-quarter 2025 earnings per share (EPS) of $4.67, exceeding the Zacks Consensus Estimate by 5.2% and reflecting a year-over-year increase of 14.4% [1][7] - Operating revenues rose 10.6% year over year to $22.49 billion, surpassing the consensus estimate by 2.5% [1][7] Premiums and Revenue Growth - Net premiums written for the quarter reached $19.5 billion, an 8% increase from $18.1 billion a year ago [2] - Net premiums earned grew by 10% to $21 billion, exceeding the Zacks Consensus Estimate of $20.9 billion [2] - The net realized gain on securities was $257 million, a significant improvement from a loss of $53 million in the prior year [2] Expense and Combined Ratio Analysis - Total expenses increased by 13.5% to $73.4 billion, driven by higher losses, policy acquisition costs, and other underwriting expenses [4] - The combined ratio, which indicates the percentage of premiums paid out as claims and expenses, improved by 140 basis points to 87.4 [4] Full-Year Performance - For the full year, operating revenues grew 15.7% year over year to $86.9 billion, supported by a 15.3% increase in net premiums earned and a 26.5% rise in net investment income [3] - The company also reported a 12.4% increase in fees and other revenues, along with a 22% rise in service revenues [3] Policy Growth - Policies in force in the Personal Lines segment increased by 11% year over year to 37.4 million [5] - The Direct Auto segment saw a 14% increase to 16 million policies, while Agency Auto rose by 10% to 10.8 million [5] Financial Metrics - As of December 30, 2025, Progressive's book value per share was $51.74, an 18.4% increase from $43.67 a year earlier [6] - The return on equity was 40.1%, up from 36.4% in the previous year [6] - The total debt-to-total capital ratio improved by 270 basis points to 18.5 [6]

For the quarter ended December 2025, Progressive (PGR) reported revenue of $22.49 billion, up 10.6% over the same period last year. EPS came in at $4.67, compared to $4.08 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $21.94 billion, representing a surprise of +2.5%. The company delivered an EPS surprise of +5.1%, with the consensus EPS estimate being $4.44.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street ...

Shares of The Progressive Corporation ( PGR ) have been a poor performer over the past year, losing about 16% of their value, and shares currently sit near a 52-week low. There has been significant concern that auto insurance profitability has peaked, and those fears wereOver fifteen years of experience making contrarian bets based on my macro view and stock-specific turnaround stories to garner outsized returns with a favorable risk/reward profile. If you want me to cover a specific stock or have a questio ...

Core Insights - Aon plc is scheduled to report its fourth-quarter 2025 results on January 30, 2026, with earnings estimated at $4.76 per share and revenues at $4.38 billion [1][5] Financial Performance - The fourth-quarter earnings estimate reflects a year-over-year increase of 7.7%, while the revenue estimate indicates a growth of 5.5% compared to the previous year [2] - For the full year 2025, Aon's revenue is projected at $17.26 billion, representing a 9.9% year-over-year increase, and earnings per share are expected to be $16.96, indicating an 8.7% growth [3] Earnings History - Aon has beaten the consensus estimate in three of the last four quarters, with an average surprise of 1.6% [3] - The reported earnings for the last four quarters were as follows: $3.05, $3.49, $5.67, and $4.42, with an average surprise of 1.58% [4] Revenue Growth by Segment - The Commercial Risk Solutions segment is expected to see a revenue growth of 6.2% year-over-year, while the Health Solutions segment is projected to grow by 7.1% [9][10] - The Reinsurance Solutions segment is estimated to grow by 5.8%, benefiting from favorable retention rates and new business generation [11] - The Wealth Solutions segment, however, is expected to decline by 0.9% due to divestments [12] Operating Expenses - Total operating expenses for the fourth quarter are projected to exceed $3.1 billion, primarily driven by increased compensation and benefits expenses [12]

宾夕法尼亚州华盛顿堡, Jan. 29, 2026 (GLOBE NEWSWIRE) -- 人寿保险二级市场的领导者与开创者、人寿保险支持型资产类别的先驱企业 Coventry 今日宣布，其 LILY 项目下的第三次资产支持证券化融资已圆满完成。这是自 2025 年 4 月以来该项目的又一重大里程碑。 这些交易的融资总额累计达到 7.5 亿美元，均以人寿保险为支持。这些交易的完成进一步巩固了 Coventry 作为业内领先平台的地位，为寻求长寿风险相关资产差异化敞口的机构投资者提供了首选渠道。 LILY 项目将长寿风险相关资产构建为投资级资产支持债券，其核心优势在于稳固的抵押品、可预测的现金流，以及与传统市场极低的相关性。 通过结合严谨的承保流程、精算分析以及强有力的结构性保护措施，LILY 使投资者能够通过他们熟悉的资产支持证券形式获取这一专业资产类别的投资机会。 Coventry 首席执行官 Reid Buerger 表示：“LILY 项目成功的关键不在于某一次交易，而在于它构建了一个针对人寿保险关联资产、具备机构级标准的常态化发行平台。 这一演变历程反映了我们多年来在规模化获取、精算分析、服务能力和结构 ...

The author has an honours degree in economics and politics with a focus on economic development. With 36 years of experience in executive management he has extensive knowledge of insurance/reinsurance, Global and Asia Pacific markets, climate change and ESG. He invests in his personal capacity.Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and ...

The market expects Aflac (AFL) to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended December 2025. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on F ...