← Research LibraryThe BriefFY2025 10-K · headline figures audited against SEC data
Unum's core workplace benefits business stayed profitable, but a long-term care reserve increase, the cost of the Fortitude Re reinsurance deal and a pension annuity charge cut net income 58.5% to $738.5M
The read at a glance✓ Audited against SEC data
- Growth — Revenue up 1.5% to $13.08B; premium income up 3.2%Note
- Profitability — Net income down 58.5% to $738.5M; net margin down 816 bps to 5.65%Watch
- Balance sheet — U.S. risk-based capital ratio about 440 percent; holding company liquidity $2,344.1 millionOK
- Capital allocation — Buybacks $1.01B and dividends $306.2M, both above free cash flow of $555.4MNote
- Long-term care — Part of the closed long-term care block reinsured to Fortitude Re in July 2025Watch
Business
Unum sells disability, life, accident, critical illness, dental and vision cover through employers in the United States, the United Kingdom and Poland. Its three core segments are Unum US, Colonial Life and Unum International; a Closed Block holds long-term care and other policies it no longer sells. Unum US produced 65.4% of 2025 premium income.
Where the revenue comes from
Fiscal 2025, as Unum Group reports it. History and quarterly detail are in the app.
- Unum US$7.1B
- Colonial Life$1.8B
- Unum International$1.1B
- Closed Block$825.6M
Leadership changes
From Unum Group's own filings, the day they're filed.
- Mojgan M. Lefebvre · director · appointmenteff. 2023-07-20
Latest filings
- 8-K · Company announcement2026-08-26
- 10-Q · Quarterly report2026-07-29
- 8-K · Company announcement2026-07-28
- 8-K · Company announcement2026-07-06
- 8-K · Company announcement2026-07-01
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- What changed🔒
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- Margins & accounting🔒
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- Full financial statements, industry-aware, sources cited throughout🔒
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Every figure comes from the company's filings, and analysis whose figures don't match SEC data is rejected before publication.
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