Unum Group (NYSE:UNM) is included among the 14 Best Mid Cap Dividend Aristocrat Stocks to Buy Now. Barclays Boosts UNM Price Target, Sees Life Insurers Supported by Consolidation On January 8, Barclays raised its price target on Unum Group (NYSE:UNM) to $96 from $94 and maintained an Overweight rating. The firm said it remains “cautiously optimistic” on life insurers as the industry heads into 2026. Barclays pointed to strong capital positions, solid cash flow generation, and continued consolidation as p ...

Enhanced identity achieves greater clarity and consistency with the global Chubb brand Visit us online for more information about Workplace Solutions and Chubb Benefits. CHICAGO, Jan. 5, 2026 /PRNewswire/ -- Combined Insurance Company of America, a Chubb company and a leading North American provider of supplemental insurance, today announced the launch of the Chubb Benefits brand, which delivers greater clarity and consistency through closer alignment with the global Chubb brand. Chubb Benefits, which inclu ...

Core Insights - Chubb Limited (NYSE:CB) is recognized as one of the 15 Best Boring Dividend Stocks to Buy [1] - Morgan Stanley raised its price target for Chubb to $300 from $295, indicating a stable outlook despite a softening property and casualty market [2] - Chubb's insurance operations are resilient against economic downturns, with a combined ratio of 86.6%, significantly better than the industry average of 96.6% [3] Dividend and Shareholder Returns - Chubb announced a quarterly dividend of $0.97 per share, maintaining consistency with previous payouts, and has increased its dividend for 32 consecutive years [4] - In Q3 2025, Chubb returned $1.62 billion to shareholders, which included $1.23 billion in share repurchases at an average price of $277.67 per share and $385 million in dividends [4] Company Overview - Chubb operates as a global insurer, providing a wide range of commercial and personal property and casualty coverage, as well as accident, health, and life insurance [5]

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]

Core Viewpoint - Unum Group is set to release its third quarter 2025 results on November 3, 2025, followed by a conference call on November 4, 2025, to discuss the results and future guidance [1][2]. Financial Information - The earnings release and financial supplement will be available on the company's investor website [1]. - The anticipated future earnings release dates include: - Fourth Quarter 2025 – February 3 / February 4 at 8 a.m. - First Quarter 2026 – April 28 / April 29 at 8 a.m. - Second Quarter 2026 – July 28 / July 29 at 8 a.m. [5]. Company Overview - Unum Group, a leading international provider of workplace benefits and services, has been operational for over 175 years [6]. - The company reported revenues of $12.9 billion in 2024 and paid out $8.0 billion in benefits [6]. - Unum Group is recognized as one of the World's Most Ethical Companies by Ethisphere® [6].

Core Insights - Chubb Limited (NYSE:CB) is recognized for significant revenue and dividend growth, making it one of the top stocks to buy and hold for a lifetime [1] Group 1: Partnership and Market Position - Chubb Limited has partnered with Endeavor to support high-impact company owners in developing nations, leveraging Endeavor's network of nearly 2,900 entrepreneurs who have generated over $88.5 billion in revenue [2] - The partnership aligns with Chubb's strategy of global expansion and digital distribution, which includes over 200 collaborations worldwide [3] Group 2: Financial Performance - Chubb Limited has demonstrated resilience in challenging market conditions, achieving an annual revenue of $57.5 billion through growth in property, casualty, and specialty insurance sectors, along with strong underwriting performance [3] - The company offers a wide range of insurance products, including health, life, accident, property, and liability insurance, across more than 50 countries [4] Group 3: Investment Potential - The partnership with Endeavor enhances Chubb's ability to provide scalable and innovative solutions, positioning the company for sustained growth in emerging markets [4]

Core Insights - Yiren Digital is experiencing significant growth in its internet insurance business, driven by AI technology that enhances customer demand identification and acquisition strategies [1][2][3] Group 1: Business Growth and User Adoption - As of September 25, 2025, Yiren Digital's internet insurance business has registered 4.3 million users, indicating strong customer adoption and scalability of its AI-powered platform [2] - The company anticipates continued growth momentum in the second half of 2025, reflecting a positive trajectory in user engagement and service uptake [2] Group 2: AI-Driven Innovation - Yiren Digital's AI approach is transforming insurance accessibility, integrating solutions into customer engagement scenarios to create a seamless experience [3] - The company has developed a proprietary AI platform that analyzes customer behavior, achieving a 98% approval probability for identifying potential insurance customers [6] Group 3: Strategic Partnerships and Product Offerings - Yiren Digital has established partnerships with leading insurance carriers to provide a diverse range of coverage solutions, including health, critical illness, and travel insurance [4] - The platform's scalable model reduces reliance on traditional marketing, enhancing operational efficiency through advanced AI technology [5] Group 4: Ongoing Technological Development - The company is focused on enhancing its AI capabilities to uncover new product demand opportunities, utilizing machine learning and predictive analytics [8] - Investments in self-developed technologies aim to manage complex data sets, improving personalized service delivery and customer interaction models [9]

Core Insights - Unum Group's second-quarter 2025 operating net income was $2.07 per share, missing the Zacks Consensus Estimate by 7.2% and reflecting a 4.2% year-over-year decline [1][8] - The quarterly results showed weaknesses in the Unum U.S, Corporate segments, and Closed Block segments, partially offset by higher premiums in Unum International and Colonial Life [1] Operational Update - Total operating revenues reached $3.4 billion, a 4.2% increase year over year, driven by higher premium income and improved net investment income, beating the Zacks Consensus Estimate by 1.7% [2][8] - Premiums increased by 4.6% from the prior-year quarter to $2.7 billion, slightly surpassing the Zacks Consensus Estimate [2] Expense Analysis - Total benefits and expenses rose by 7.6% year over year to $2.9 billion, primarily due to higher policy benefits, commissions, interest and debt expenses, and amortization of deferred acquisition costs [3][8] Segment Performance - **Unum U.S.**: Premium income was $1.8 billion, up 3.9% year over year, but adjusted operating income fell 11% to $318.2 million due to lower income in group disability and life segments [4] - **Unum International**: Premium income increased by 18.5% to $271.1 million, while adjusted operating income decreased by 2.1% to $41.6 million [5] - **Colonial Life**: Premium income rose 3.6% to $462.1 million, with adjusted operating income increasing by 0.4% to $117.4 million [7] Financial Ratios - The benefit ratio deteriorated by 550 basis points to 75, influenced by higher inflation-linked benefits and increased incidence in group long-term disability [6] - The benefit ratio also declined by 50 basis points year over year to 48.3, primarily due to unfavorable experiences in accident, sickness, and disability products [9] Capital Management - As of June 30, 2025, the weighted average risk-based capital ratio for the company's traditional U.S. insurance companies was approximately 485% [11] - Unum Group had liquidity of $1.9 billion and a book value per share of $65.7, reflecting an 18.2% year-over-year growth [11] - The company repurchased 3.8 million shares for $303.3 million [11] Future Guidance - For 2025, Unum Group expects a revised after-tax adjusted operating income per share of approximately $8.50, compared to $8.44 in 2024 [12]