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Unum
Unum (UNM) investor relations material
Unum UBS Financial Services Conference 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.UBS Financial Services Conference 2026 summary9 Feb, 2026
2026 outlook and financial performance
Projecting 4%-7% premium growth and 8%-12% EPS growth for 2026, supported by strong capital generation and plans to return 100% of earnings to shareholders via dividends and share repurchases.
Momentum from Q4 2025 is expected to continue, leveraging recent investments and strong employer relationships.
Capital position remains robust, with 440 RBC and $2.2 billion in cash, enabling continued flexibility in capital deployment.
Statutory cash generation and margins are expected to remain consistent into 2026, supporting ongoing high levels of shareholder returns.
Group disability and benefit ratio trends
Group disability benefit ratio normalized to 62.5% in 2025, with guidance for 62%-64% in 2026 and a long-term target of 65% over 2-3 years, driven by pricing adjustments.
Consistent claim experience and improved recovery rates underpin confidence in future performance.
Unemployment fluctuations are not expected to significantly impact benefit ratios, with growth supported by wage inflation and payroll trends.
Closed Block strategy and reporting changes
Closed Block, including long-term care, will be reported below the line as a special item to better highlight core business performance.
No changes to investment, risk management, or the strategy to reduce the Closed Block; protections behind the block stand at $2.2 billion.
No additional capital will be allocated to the Closed Block, maintaining the commitment made three years ago.
Closed Block reporting: 2026 operating EPS impact?
Group Disability: Pricing actions for 65% benefit ratio?
Tech/AI: Direct impact on top-line premium growth?
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Next Unum earnings date
Q1 202629 Apr, 2026
Unum
Next Unum earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
Unum Group, provides financial protection benefit solutions in the United States and internationally. It operates in two segments, the Product segment and the International segment. The Product segment provides various employee benefits such as group disability insurance, group life insurance, accidental death and dismemberment insurance, individual critical illness insurance, and voluntary market products; supplemental health insurance; and welfare benefits; as well as annuity products to employer groups in the manufacturing, construction, energy, automotive retailing, government services, staffing/recruiting services, and transportation industries. This segment sells its products directly to employer groups through independent agents.
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