Unum Group Q3 2025 Earnings Recap

Unum Group delivered solid third-quarter performance marked by robust premium growth of 4%, though earnings per share fell to $2.09 due to reserve increase in the Closed Block. The core businesses continue to outperform expectations with strong margins and significant sales growth.

Key Takeaways

• Core business earnings remained strong with a return on equity near 20% and margins above historical levels.
• Premium growth reached nearly 4.5%, driven by Unum U.S., Colonial Life, and a notable 10% increase in international segments.
• Successfully closed a reinsurance transaction that ceded 20% of long-term care reserves, bolstering capital management strategies.
• Returned nearly $1 billion to shareholders year-to-date through dividends and share repurchases, maintaining a robust liquidity position with $2 billion in holdings.
• Continued focus on strategic initiatives and technology investment to enhance customer engagement and strengthen market positioning.