---
schema_version: "secwatch.filing_event.v1"
accession: "0000005513-26-000069"
form_type: "8-K"
ticker: "UNM"
cik: "0000005513"
company_name: "Unum Group"
filed_at: "2026-07-06T10:55:28+00:00"
generated_at: "2026-07-06T11:00:07.785748+00:00"
event_type: "m_and_a"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Unum Group announces $3.8B LTC reinsurance deal with Fortitude Re, covering 26% of total LTC reserves

## Summary
- Reinsures $3.8B of LTC statutory reserves (26% of total, 52% of individual LTC) as of March 31, 2026.
- Combined with 2025 transaction, cumulative reduction in LTC statutory reserves ~40%.
- Transaction covers 100% of remaining individual LTC policies previously reinsured to Fairwind.
- Expected to close in 2026; year-end 2026 holding co liquidity $1.5-2.0B, leverage ~25%, RBC 400-425%.
- Impact on operating earnings limited to foregone investment income and incremental interest expense.

## SEC filing metadata
- accession: 0000005513-26-000069
- form_type: 8-K
- ticker: UNM
- cik: 0000005513
- company_name: Unum Group
- filed_at: 2026-07-06T10:55:28+00:00
- event_type: m_and_a
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 1.01, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/5513/000000551326000069/0000005513-26-000069-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/5513/000000551326000069/unm-20260702.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000005513-26-000069
- JSON: https://secwatch.observer/filing/0000005513-26-000069.json
- Plain text: https://secwatch.observer/filing/0000005513-26-000069.txt

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