---
schema_version: "secwatch.filing_event.v1"
accession: "0000005513-25-000109"
form_type: "8-K"
ticker: "UNM"
cik: "0000005513"
company_name: "Unum Group"
filed_at: "2025-07-02T23:59:59+00:00"
generated_at: "2026-05-18T09:47:32.950208+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Unum closes reinsurance deal ceding $3.4B in LTC reserves and $120M disability premium to Fortitude Re

## Summary
- Closed coinsurance transaction effective Jan 1, 2025; recorded as of July 1, 2025.
- Ceded 100% quota share of $3.4 billion in long-term care statutory reserves.
- Also ceded 100% quota share of individual disability business with ~$120 million in-force premium.
- Transaction previously announced on Feb 26, 2025 under Master Transaction Agreement.
- Reinsurer is Fortitude Reinsurance Company Ltd., a Bermuda-based reinsurer.

## SEC filing metadata
- accession: 0000005513-25-000109
- form_type: 8-K
- ticker: UNM
- cik: 0000005513
- company_name: Unum Group
- filed_at: 2025-07-02T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 1.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/5513/000000551325000109/0000005513-25-000109-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/5513/000000551325000109/unm-20250701.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000005513-25-000109
- JSON: https://secwatch.observer/filing/0000005513-25-000109.json
- Plain text: https://secwatch.observer/filing/0000005513-25-000109.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.