---
schema_version: "secwatch.filing_event.v1"
accession: "0000005513-25-000127"
form_type: "8-K"
ticker: "UNM"
cik: "0000005513"
company_name: "Unum Group"
filed_at: "2025-11-03T23:59:59+00:00"
generated_at: "2026-05-17T00:59:07.345612+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Unum Q3 adjusted EPS $2.09 vs $2.13 YoY; LTC reserve hike $378M

## Summary
- After-tax adjusted operating income $357.1M ($2.09 diluted EPS), down from $398.0M ($2.13) in Q3 2024.
- GAAP reserve assumption updates added after-tax net reserve increase of $377.8M, primarily from long-term care.
- Holding company liquidity $2.0B, RBC ratio ~455%; returned $980M YTD with $250M share repurchases in Q3.
- Premium growth 2.9% constant currency; adjusted operating ROE 21.4%.
- Segment: Unum US adj op down 7.8%; Colonial Life up 2.8%; Unum International down 3.7%.

## SEC filing metadata
- accession: 0000005513-25-000127
- form_type: 8-K
- ticker: UNM
- cik: 0000005513
- company_name: Unum Group
- filed_at: 2025-11-03T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/5513/000000551325000127/0000005513-25-000127-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/5513/000000551325000127/unm-20251103.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000005513-25-000127
- JSON: https://secwatch.observer/filing/0000005513-25-000127.json
- Plain text: https://secwatch.observer/filing/0000005513-25-000127.txt

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