Key Takeaways Manulife posted Q3 core EPS of $0.84, beating estimates by 13.5% and rising 15% year over year. Core earnings hit $1.4B, driven by growth in Global WAM, Asia, and Canada, plus an ECL provision release. NBV grew 6.3%, APE sales rose 8%, and core ROE expanded 150 bps to 18.1% for the quarter. Manulife Financial Corporation (MFC) delivered third-quarter 2025 core earnings of 84 cents per share, which beat the Zacks Consensus Estimate by 13.5%. The bottom line improved 15% year over year.Core earn ...

3Q 2025 Trading Update Lard Friese Duncan Russell Chief Executive Officer Chief Financial Officer November 13, 2025 2 2 Key messages 1. Before Holding funding and operating expenses ▪ EUR 340 million operating capital generation1 on track to meet the OCG target of around EUR 1.2 billion for 2025 ▪ Growing the distribution network and maintaining strong commercial momentum with increased life sales in the US ▪ Net outflows in the UK platform business due to departure of two large, low-margin workplace scheme ...

Accessibility StatementSkip Navigation TSX/NYSE/PSE: MFCÂ Â Â SEHK: 945 India: A compelling growth opportunity underpinned by strong megatrends The life Insurance market has surpassed US$20 billion in new business premiums, growing at a 12% CAGR over the past five years. Yet, India continues to have a high protection gap and low insurance penetration, providing significant long-term growth potential. These tailwinds position India to become the world's fastest growing life insurance market over the next dec ...

Core Insights - CNO Financial Group, Inc. (CNO) shares increased by 3.5% following the release of its third-quarter 2025 results, driven by strong premium collections from annuity, life, and health products, alongside rising new annualized premiums and higher fee revenues, although partially offset by increased total benefits and expenses [1][10]. Financial Performance - CNO reported adjusted earnings per share (EPS) of 96 cents, exceeding the Zacks Consensus Estimate by 1.1%, and an increase from 92 cents a year ago [2][10]. - Operating revenues reached $1.2 billion, marking a 5.3% year-over-year increase and surpassing the consensus estimate by 26.3% [2][10]. - Total insurance policy income rose 2.1% year over year to $658.4 million, beating the Zacks Consensus Estimate of $653 million [3]. Premiums and Expenses - Collected premiums from annuity, life, and health products totaled $1.1 billion, reflecting a 2.1% year-over-year increase [5]. - New annualized premiums for health products surged by 20.2% year over year, while life products increased by 32.1% [6]. - Total benefits and expenses rose by 3% year over year to $1.2 billion, driven by higher operating costs [6]. Investment and Assets - Net investment losses were reported at $8.8 million, an improvement from the previous year's loss of $11.1 million [4]. - General account assets grew by 4.5% year over year to $382.9 million, while policyholder and other special-purpose portfolios increased by 33.3% to $116.8 million [4]. Shareholder Returns - CNO returned $60 million to shareholders through share buybacks and $16.4 million in dividends during the third quarter, with a remaining repurchase capacity of $480.4 million [11]. Guidance and Projections - For 2025, CNO anticipates operating EPS in the range of $3.75-$3.85, an increase from the previous estimate of $3.70-$3.90 [12]. - The company now estimates excess cash flow to the holding company between $365-$385 million, up from the prior range of $200-$250 million [12]. - The projected expense ratio is around 19%, improved from the previous estimate of 19-19.2% [13].

Core Insights - Lincoln National Corporation (LNC) reported a 2% increase in shares following the release of its third-quarter 2025 results, driven by strong annuity deposits and solid performance in Group Protection and Life Insurance [1] - The company achieved adjusted earnings per share (EPS) of $2.04, exceeding the Zacks Consensus Estimate by 10.9%, although it represented a 1% decline year over year [2] - Adjusted operating revenues grew 3.8% year over year to $4.8 billion, but fell short of the consensus estimate by 0.5% [2] Financial Performance - LNC's estimated Risk-Based Capital (RBC) ratio increased to over 420% by the end of the third quarter [3] - Insurance premiums rose 1.4% year over year to $1.6 billion, missing the Zacks Consensus Estimate by 2.1% [3] - Fee income reached $1.4 billion, up 2.4% year over year, but also missed the consensus mark by 2.2% [3] - Net investment income increased by 9% year over year to $1.5 billion, surpassing the consensus estimate by 6.2% [3] Revenue and Expense Analysis - Other revenues amounted to $206 million, reflecting a 28.8% year-over-year increase [4] - Total expenses decreased by 16.3% year over year to $4 billion [4] - Interest credited rose 8.4% year over year to $954 million [4] - The company reported a net income of $445 million, a significant recovery from a net loss of $528 million in the prior-year quarter [4] Segment Performance - The Annuities segment's operating income was $310 million, a 3% year-over-year increase, exceeding the consensus estimate [6] - Life Insurance operating income improved to $25 million, up from $22 million year over year, benefiting from stable mortality and higher alternative investment income [7] - Group Protection segment's operating income surged 36.7% year over year to $149 million, supported by favorable life experience [8] - Retirement Plan Services segment recorded an operating income of $46 million, a 5% year-over-year increase, aided by favorable equity markets [10] Financial Position - As of September 30, 2025, Lincoln National had cash and invested cash of $10.7 billion, up from $5.8 billion at the end of 2024 [12] - Total assets increased to $415.3 billion from $390.8 billion at the end of 2024 [12] - Long-term debt decreased to $5.8 billion from $5.9 billion as of December 31, 2024 [12] - Total stockholders' equity rose to $10.5 billion from $8.3 billion at the end of 2024 [12] Dividend and Outlook - Lincoln National paid out quarterly dividends of $85 million [14] - For 2026, the company projects that the Annuities, Life Insurance, Group Protection, and Retirement Plan Services units will account for 55-65%, 10-15%, 20-30%, and 5-15% of total operating income, respectively [15]

Other Information Appendix Note: See the Appendix for non-GAAP financial information, definitions and reconciliations. Financial information, unless otherwise noted, is rounded to millions. Some financial information, therefore, may not sum to the corresponding total. Brighthouse Financial, Inc. Financial Supplement Third Quarter 2025 Table of Contents Financial Results Earnings and Select Metrics from Segments A-1 Note Regarding Forward-Looking Statements A-3 Non-GAAP and Other Financial Disclosures A-7 Ac ...

Core Viewpoint - Brighthouse Financial's stock experienced a significant increase of 26% following the announcement of a definitive merger agreement with Aquarian Capital, which values the company at $70 per share in an all-cash transaction [1] Company Summary - Brighthouse Financial, a life insurer based in Charlotte, is set to merge with Aquarian Capital [1] - The merger agreement stipulates a purchase price of $70 per share, indicating a substantial premium for shareholders [1]

Key Takeaways Sun Life Financial's Q3 underlying net income rose 4.6% year over year to $1.35 per share. Wealth sales and asset management gross flows jumped 46.8% to $45.10 billion. Asia income surged 31.6%, while Canada posted solid growth and the U.S. segment declined. Sun Life Financial Inc. (SLF) delivered a third-quarter 2025 underlying net income of $1.35 per share, which beat the Zacks Consensus Estimate by 3.8%. Moreover, the bottom line increased 4.6% year over year. The underlying net income was ...

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We returned $76 million to shareholders in the quarter, $310 million year to date. Book value per diluted share, excluding AOCI, was $38.1, up 6%. Paul will go into greater detail on our financial performance. Turning to Slide five. Nearly all of our growth scorecard metrics were up for the quarter. As a reminder, our growth scorecard focuses on three key drivers of our performance: production, distribution, and investments in capital. I'll discuss each division in the next two slides. Paul will cover inves ...