NYSEFinancialsLife & Health InsuranceS&P MidCap 400
$76.75
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Close of Nov 06, 2026 · end-of-day data
UNM 8-K filings in 2025
Every material Form 8-K Unum filed with the SEC in 2025, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Unum Group reported third-quarter 2025 net income of $39.7 million ($0.23 per diluted share), down from $645.7 million ($3.46 per diluted share) a year earlier. The decline reflects an after-tax net reserve increase of $377.8 million tied to annual assumption updates, mainly in long-term care. Adjusted operating income fell to $357.1 million ($2.09 per diluted share) from $398.0 million ($2.13), and the company said it expects a comparable $0.10 per share effect in the fourth quarter.
Net income was $39.7 million ($0.23 per diluted share) in Q3 2025, versus $645.7 million ($3.46) in Q3 2024.
After-tax net reserve increase of $377.8 million ($2.21 per diluted share), mainly from long-term care assumption updates.
Adjusted operating income was $357.1 million ($2.09 per diluted share), compared with $398.0 million ($2.13) a year earlier.
Premium income grew 2.9 percent on a constant currency basis; the company returned about $980 million to shareholders year-to-date and will host a call on November 4, 2025 at 8:00 am Eastern Time.
Unum Group reported second-quarter 2025 net income of $335.6 million, or $1.92 per diluted share, down from $389.5 million, or $2.05 per share, a year earlier, while total revenue rose to $3,361.4 million from $3,233.4 million. The company revised its full-year 2025 after-tax adjusted operating income per share outlook to approximately $8.50, compared with $8.44 in full-year 2024, and said it expects full-year share repurchases at the top end of its $500 million to $1.0 billion range.
Q2 2025 net income was $335.6 million ($1.92 per diluted share) versus $389.5 million ($2.05) in Q2 2024.
After-tax adjusted operating income was $361.1 million ($2.07 per diluted share) versus $411.4 million ($2.16) a year earlier.
Full-year 2025 adjusted operating income per share outlook revised to approximately $8.50, compared with $8.44 in 2024.
Company repurchased $300 million of shares in the quarter and year-to-date purchases reached $500 million.
Unum Group announced on July 1, 2025 that it closed a transaction in which its insurance subsidiary Unum Life Insurance Company of America ceded certain long-term care and individual disability business to Fortitude Reinsurance Company Ltd. on a coinsurance basis, effective as of January 1, 2025. The filing does not report financial impacts, and the full coinsurance agreement will be filed with the company's 10-Q for the quarter ended June 30, 2025.
Ceded a 100% quota share of a closed block of individual long-term care business with $3.4 billion of statutory reserves
Ceded a 100% quota share of individual disability business reinsured from Provident Life and Accident, representing approximately $120 million of in-force premium
Transaction governed by a Master Transaction Agreement dated February 26, 2025; coinsurance effective January 1, 2025
Full coinsurance agreement to be filed as an exhibit to the Form 10-Q for the period ended June 30, 2025
Unum Group reported first-quarter 2025 net income of $189.1 million ($1.06 per diluted share), down from $395.2 million ($2.04) a year earlier, mainly due to a net after-tax investment loss of $163.4 million. Adjusted operating income fell to $365.5 million ($2.04 per diluted share) from $409.9 million ($2.12), while premium income rose and the company restated its full-year 2025 outlook of 6% to 10% growth in after-tax adjusted operating income per share.
Net income was $189.1 million ($1.06 per diluted share) versus $395.2 million ($2.04) in Q1 2024.
After-tax adjusted operating income was $365.5 million ($2.04 per diluted share) versus $409.9 million ($2.12).
Total revenue was $3,091.6 million versus $3,200.3 million, with a net investment loss of $206.8 million before tax.
Full-year 2025 outlook: after-tax adjusted operating income per share up 6% to 10% versus 2024.
Unum's Unum Life Insurance Company of America subsidiary agreed on February 26, 2025 to cede $3.4 billion of long-term care statutory reserves and a 100% quota share of certain Provident Life and Accident individual disability business to Fortitude Reinsurance Company Ltd. The company expects an overall capital benefit, offset in part by a pre-tax ceding commission of approximately $430 million, and closing is expected during 2025. The filing also cites a revised 2025 EPS growth outlook of 6-10%, while the company's presentation says it expects a capital benefit of about $100 million from the transaction.
Reinsures $3.4 billion of long-term care statutory reserves, 19% of total LTC statutory reserves
Pre-tax ceding commission of approximately $430 million paid as consideration for the reinsurance
Estimated capital benefit of about $100 million per the news release
Closing expected during 2025, subject to regulatory approvals; agreement may be terminated if not closed within six months
Unum Group reported fourth-quarter 2024 net income of $348.7 million, or $1.92 per diluted share, up from $330.6 million, or $1.69, a year earlier. After-tax adjusted operating income was $368.9 million, or $2.03 per diluted share, compared with $1.79 in the fourth quarter of 2023. The company also set a 2025 outlook for after-tax adjusted operating income per share growth of 8% to 12%, which matters to shareholders because it gives a benchmark for expected earnings growth.
Q4 2024 total revenue was $3,236.6 million, up from $3,145.1 million in Q4 2023.
Full-year 2024 net income was $1,779.1 million, or $9.46 per diluted share, versus $1,283.8 million in 2023; full-year adjusted operating EPS was $8.44, up from $7.66.
2025 outlook calls for core operations premium growth of 4% to 7% and adjusted operating EPS growth of 8% to 12%.
Book value per common share was $61.38 at December 31, 2024, up from $49.91; holding company liquidity was $2.0 billion.
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every Unum filing is on SEC EDGAR ↗. 8-K briefs of other companies →