Form 8-K

8-K — Unum Group

Accession: 0000005513-26-000041

Filed: 2026-04-28

Period: 2026-04-28

CIK: 0000005513

SIC: 6321 (ACCIDENT & HEALTH INSURANCE)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — unm-20260428.htm (Primary)

EX-99.1 (unm03312026exhibit991.htm)

EX-99.2 (unm03312026exhibit992.htm)

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GRAPHIC — GRAPHIC - LOGO (ug.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: unm-20260428.htm · Sequence: 1

unm-20260428

0000005513FALSE00000055132026-04-282026-04-280000005513exch:XNYSus-gaap:CommonClassAMember2026-04-282026-04-280000005513exch:XNYSunm:A6250JuniorSubordinatedNotesDue2058Member2026-04-282026-04-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

Current Report

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 28, 2026

UNUM GROUP

(Exact name of registrant as specified in its charter)

Delaware

001-11294

62-1598430

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

1 Fountain Square

Chattanooga, Tennessee 37402

(Address of principal executive offices) (Zip Code)

(423) 294-1011

(Registrant's telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common stock, $0.10 par value UNM New York Stock Exchange

6.250% Junior Subordinated Notes due 2058 UNMA New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☐ Emerging growth company

☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Item 2.02 Results of Operations and Financial Condition.

On April 28, 2026, Unum Group (the "Company") issued a news release reporting its results for the first quarter of 2026, a copy of which is furnished herewith as Exhibit 99.1 and incorporated herein by reference.

Also on April 28, 2026, the Company posted on its website at www.unum.com the Statistical Supplement relating to its financial results for the first quarter of 2026. A copy of the Statistical Supplement is furnished herewith as Exhibit 99.2 and incorporated herein by reference.

In accordance with General Instruction B.2 of Form 8-K, the information in this report, including Exhibits 99.1 and 99.2, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed to be incorporated by reference into any of the Company's filings under the Securities Act of 1933 or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No. Description

99.1

News release of Unum Group dated April 28, 2026, concerning earnings for the first quarter of 2026.

99.2

Statistical Supplement of Unum Group for the first quarter of 2026.

104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Unum Group

(Registrant)

Date: April 28, 2026

By: /s/ J. Paul Jullienne

Name: J. Paul Jullienne

Title: Vice President, Managing Counsel, and

Corporate Secretary

EX-99.1

Filename: unm03312026exhibit991.htm · Sequence: 2

Document

Exhibit 99.1

1 Fountain Square

Chattanooga, TN 37402

www.unum.com

FOR IMMEDIATE RELEASE

Contacts

MEDIA

Emily Downing-Baer

edowning@unum.com

INVESTORS

Matt Royal

investorrelations@unum.com

Unum Group Reports First Quarter 2026 Results

•Net income of $232.0 million ($1.41 per diluted common share) for the first quarter of 2026; after-tax adjusted operating income was $352.5 million ($2.14 per diluted common share).

•Favorable core operations top-line trends continued, with 14.4 percent sales growth and 3.9 percent premium growth on a constant currency basis; strong core operations margins, including 21.7 percent adjusted operating return on equity, drove solid traditional U.S. life insurance company statutory operating earnings of $314.0 million.

•Robust capital return in the quarter with approximately $400 million of shares repurchased, and $78.4 million of common stock dividends; strong balance sheet with holding company liquidity of $1.7 billion and weighted average risk-based capital ratio of approximately 460 percent, well above target levels.

•Book value per common share of $67.76 grew 6.2 percent over the year-ago quarter; book value per common share excluding accumulated other comprehensive income (AOCI) of $78.93 grew 3.6 percent over the year-ago quarter.

CHATTANOOGA, Tenn. (April 28, 2026) - Unum Group (NYSE: UNM) today reported net income of $232.0 million ($1.41 per diluted common share) for the first quarter of 2026, compared to net income of $189.1 million ($1.06 per diluted common share) for the first quarter of 2025.

Included in net income for the first quarter of 2026 is a net after-tax investment loss on the Company’s investment portfolio of $4.0 million ($0.03 per diluted common share) and the Closed Block segment after-tax adjusted operating loss of $116.5 million ($0.70 per diluted common share). Included in net income for the first quarter of 2025 is a net after-tax investment loss on the Company’s investment portfolio of $163.4 million ($0.91 per diluted common share) and the Closed Block segment after-tax adjusted operating income of $3.7 million ($0.02 per diluted common share). Excluding the items above, after-tax adjusted operating income was $352.5 million ($2.14 per diluted common share) in the first quarter of 2026, compared to $348.8 million ($1.95 per diluted common share) in the first quarter of 2025.

We applied updates throughout this document which reflects changes to prior year reported information to align to current year presentation. See "Non-GAAP Financial Measures" beginning on page 4 for more information regarding this update.

“The first quarter marked a strong start to the year, with solid top and bottom line performance across our businesses,” said Richard P. McKenney, president and chief executive officer. “Customer demand remained positive, as a strong increase in sales coupled with good retention rates drove overall premium growth. Our approach to the market continues to resonate with employers and distribution partners. Actions taken in the Closed Block in 2025 continue to result in an improving risk profile including some employers’ decisions to discontinue their long-term care plans. As part of our disciplined capital deployment strategy, we returned substantial capital to shareholders, through $400 million in share repurchases and $78 million in dividends. As we look ahead, we remain confident in our resilient business model, strong capital position, and ability to deliver for our customers and shareholders.”

RESULTS BY SEGMENT

We measure and analyze our segment performance on the basis of "segment adjusted operating income" or "segment adjusted operating loss", which differ from income before income tax as presented in our consolidated statements of income due to the exclusion of investment gains or losses, reserve assumption updates, and certain other items as specified in the reconciliations below. Investment gains or losses primarily include realized investment gains or losses, expected investment credit losses, impairment losses, and gains or losses on derivatives. Reserve assumption updates may result in increases or decreases to earnings. These performance measures are in accordance with U.S. generally accepted accounting principles (GAAP) guidance for segment reporting, but they should not be viewed as a substitute for income before income tax, net income, or net loss.

Unum US Segment

Unum US reported an increase of 2.7 percent in segment adjusted operating income to $337.9 million in the first quarter of 2026, compared to $329.1 million in the first quarter of 2025. Premium income increased 3.3 percent to $1,840.5 million in the first quarter of 2026, compared to $1,780.9 million in the first quarter of 2025. Net investment income increased 6.3 percent to $158.3 million in the first quarter of 2026, compared to the $148.9 million in the first quarter of 2025. Sales increased 20.8 percent to $335.1 million in the first quarter of 2026, compared to $277.5 million in the first quarter of 2025.

Within the Unum US operating segment, the group disability line of business reported a 10.6 percent decrease in segment adjusted operating income to $106.6 million in the first quarter of 2026, compared to $119.2 million in the first quarter of 2025. Premium income for the group disability line of business was $809.5 million in the first quarter of 2026, which increased compared to $782.8 million in the first quarter of 2025, due primarily to favorable persistency and prior period sales, partially offset by the expected run off in medical stop-loss premium. Net investment income was $76.0 million in the first quarter of 2026, which was generally consistent compared to $74.0 million in the first quarter of 2025. The benefit ratio for the first quarter of 2026 was 63.7 percent, compared to 61.8 percent in the first quarter of 2025, due to pricing actions, as well as higher incidence in the short-term disability product line. Persistency in the group long-term disability product line was 92.2 percent for the first three months of 2026, compared to 90.7 percent for the first three months of 2025. Persistency in the group short-term disability product line was 90.7 percent for the first three months of 2026, compared to 87.5 percent for the first three months of 2025.

The group life and accidental death and dismemberment line of business reported a 66.3 percent increase in segment adjusted operating income to $115.1 million in the first quarter of 2026, compared to $69.2 million in the first quarter of 2025. Premium income for this line of business increased 6.6 percent to $548.4 million in the first quarter of 2026, compared to the $514.4 million in the first quarter of 2025, due to favorable persistency and prior period sales. Net investment income increased 29.1 percent to $23.5 million in the first quarter of 2026, compared to $18.2 million in the first quarter of 2025, due to an increase in the allocation of net investment income on corporate owned excess assets as well as an increase in the yield on invested assets. The benefit ratio in the first quarter of 2026 was 61.8 percent, compared to 69.3 percent in the first quarter of 2025, due to lower claim incidence in the group life and accidental death and dismemberment product lines. Persistency in the group life product line was 92.6 percent for the first three months of 2026, compared to 89.2 percent for the first three months of 2025. Persistency in the accidental death and dismemberment product line was 92.2 percent for the first three months of 2026, compared to 87.9 percent for the first three months of 2025.

The supplemental and voluntary line of business reported a decrease of 17.4 percent in segment adjusted operating income to $116.2 million in the first quarter of 2026, compared to $140.7 million in the first quarter of 2025. Premium income for the supplemental and voluntary line of business decreased 0.2 percent to $482.6 million in the first quarter of 2026, compared to $483.7 million in the first quarter of 2025, due to the impact of ceding a portion of the individual disability product line as a part of the Fortitude Re reinsurance transaction and lower persistency across all product lines, mostly offset by higher sales in the voluntary benefits and individual disability product lines. Net investment income was $58.8 million in the first quarter of 2026, which was generally consistent compared to $56.7 million in the first quarter of 2025. The benefit ratio was 49.9 percent in the first quarter of 2026, compared to 46.1 percent in the first quarter of 2025, primarily due to higher average claim size in the individual disability product line and higher claim incidence within the individual disability and voluntary benefits product lines. Persistency in the voluntary

benefits product line was 75.8 percent for the first three months of 2026, compared to 76.8 percent for the first three months of 2025. Persistency in the individual disability product line was 87.9 percent for the first three months of 2026, compared to 88.2 percent for the first three months of 2025. Persistency in the dental and vision product line was 79.9 percent for the first three months of 2026, compared to 82.2 percent for the first three months of 2025.

Unum International Segment

The Unum International segment reported segment adjusted operating income of $30.9 million in the first quarter of 2026, a decrease of 20.2 percent from $38.7 million in the first quarter of 2025. Premium income increased 16.2 percent to $286.7 million in the first quarter of 2026, compared to $246.7 million in the first quarter of 2025. Net investment income increased 3.9 percent to $29.6 million in the first quarter of 2026, compared to $28.5 million in the first quarter of 2025. Sales increased 14.1 percent to $42.1 million in the first quarter of 2026, compared to $36.9 million in the first quarter of 2025.

The Unum UK line of business reported segment adjusted operating income, in local currency, of £20.4 million in the first quarter of 2026, a decrease of 30.8 percent from £29.5 million in the first quarter of 2025. Premium income was £172.1 million in the first quarter of 2026, an increase of 6.6 percent from £161.5 million in the first quarter of 2025, due primarily to sales across all product lines. Net investment income was £19.1 million in the first quarter of 2026, a decrease of 5.0 percent from £20.1 million in the first quarter of 2025, due to lower income from inflation index-linked bonds. The benefit ratio was 72.9 percent in the first quarter of 2026, compared to 67.1 percent in the first quarter of 2025, due primarily to higher average claim size and higher claim incidence in the group long-term disability product line. Sales increased 15.0 percent to £24.5 million in the first quarter of 2026, compared to £21.3 million in the first quarter of 2025. Persistency in the group long-term disability product line was 90.6 percent for the first three months of 2026, compared to 92.1 percent for the first three months of 2025. Persistency in the group life product line was 87.1 percent for the first three months of 2026, compared to 88.9 percent for the first three months of 2025. Persistency in the supplemental product line was 91.4 percent for the first three months of 2026, compared to 89.4 percent for the first three months of 2025.

Colonial Life Segment

Colonial Life reported segment adjusted operating income of $127.8 million in the first quarter of 2026, a 10.5 percent increase compared to $115.7 million in the first quarter of 2025. Premium income increased 3.4 percent to $472.7 million in the first quarter of 2026, compared to $457.3 million in the first quarter of 2025, due to prior period sales and stable overall persistency. Net investment income increased 10.9 percent to $46.8 million in the first quarter of 2026, compared to $42.2 million in the first quarter of 2025, due to an increase in the allocation of net investment income from our corporate owned excess assets and an increase in the level of invested assets. The benefit ratio was 46.0 percent in the first quarter of 2026, compared to 47.7 percent in the first quarter of 2025, primarily due to favorable benefits experience in the life and cancer and critical illness product lines. Sales increased 0.9 percent to $106.3 million in the first quarter of 2026, compared to $105.3 million in the first quarter of 2025. Persistency in the Colonial Life segment was 78.1 percent for the first three months of 2026 and 2025.

Corporate Segment

The Corporate segment reported a segment adjusted operating loss of $43.6 million in the first quarter of 2026, compared to a segment adjusted operating loss of $41.1 million in the first quarter of 2025, due primarily to decreased net investment income, which was driven by a decrease in the yield on invested assets.

Closed Block Segment

The Closed Block segment reported a segment adjusted operating loss of $145.3 million in the first quarter of 2026, compared to segment adjusted operating income $8.0 million in the first quarter of 2025, driven primarily by group policy terminations and claim incidence in the long-term care product line and lower net investment income. As a result of benefits experience during the first quarter of 2026, the net premium ratio increased to 97.6 percent from 97.5 percent as of December 31, 2025. Results also reflect robust protections at our Fairwind entity, measured by statutory reserves and excess capital above our best estimate reserves, at $2.2 billion, and continued risk management actions including 15 percent achievement of our current premium rate approval program.

OTHER INFORMATION

Shares Outstanding

The Company’s weighted average number of shares outstanding, assuming dilution, was 164.4 million for the first quarter of 2026, compared to 178.9 million for the first quarter of 2025. Shares outstanding totaled 160.7 million at March 31, 2026. During the first quarter of 2026, the Company repurchased 5.4 million shares at a total cost of $402.4 million.

Capital Management

At March 31, 2026, the weighted average risk-based capital ratio for the Company’s traditional U.S. insurance companies was approximately 460 percent, and the holding companies had available holding company liquidity of $1,726.1 million.

Book Value

Book value per common share as of March 31, 2026 was $67.76, compared to $63.78 at March 31, 2025. Book value per common share excluding AOCI as of March 31, 2026 was $78.93, compared to $76.17 at March 31, 2025.

Effective Income Tax Rate

The effective income tax rate used to determine after-tax adjusted operating income was 22.2 percent in the first quarter of 2026, compared to 21.2 percent in the first quarter of 2025. The increase in the rate was driven primarily by lower excess tax benefit on equity compensation.

Outlook

Full-year 2026 outlook for after-tax adjusted operating income per share of $8.60 to $8.90 which represents growth of approximately 8 percent to 12 percent when comparing to our redefined full-year 2025 result of $7.93 per share.

NON-GAAP FINANCIAL MEASURES

We analyze our performance using non-GAAP financial measures which exclude or include amounts that are not normally excluded or included in the most directly comparable measure calculated and presented in accordance with GAAP. We believe the following non-GAAP financial measures are better performance measures and better indicators of the revenue and profitability and underlying trends in our business:

•After-tax adjusted operating income or loss, which excludes investment gains or losses, Closed Block segment after-tax adjusted operating income or loss, reserve assumption updates, and certain other items;

•Book value per common share, which is calculated excluding AOCI;

•Premium income in constant currency, which excludes the impact of fluctuations in exchange rates between the U.S. dollar and the local currencies in which our Unum International segment is conducted. Given volatility in foreign currency exchange markets, exchange rates can fluctuate between periods. We believe translating prior period results using current period local currency exchange rates provides a more comparable view of our results; and

•Adjusted operating return on equity, which is calculated using our core operating segments' after-tax segment adjusted operating income or loss and our core operating segments' equity adjusted to exclude the unrealized gain or loss on securities, the effect of change in discount rate assumptions on the liability for future policy benefits, and net gain or loss on derivatives.

•After-tax segment adjusted operating income or loss, which excludes investment gains or losses and reserve assumption updates, as well as certain other items, as applicable.

•Segment adjusted operating revenue, which excludes investment gains or losses;

•Segment adjusted operating income or loss, which excludes investment gains or losses and reserve assumption updates, as well as certain other items, as applicable.

Investment gains or losses primarily include realized investment gains or losses, expected investment credit losses, impairment losses, and gains or losses on derivatives. Investment gains or losses and unrealized gains or losses on securities depend on market conditions and do not necessarily relate to decisions regarding the underlying business of our Company. We believe after-tax adjusted operating income is a better performance measure and better indicator of the profitability and underlying trends in our business. Book value per common share excluding AOCI provides a more comparable and consistent view of our results, as AOCI tends to fluctuate depending on market conditions and general economic trends.

We have completed reinsurance transactions to exit significant portions of our Closed Block businesses and we are no longer accepting new enrollments on existing group long-term care policies. As a result of these actions and the continued run-off of the Closed Block business, Closed Block segment earnings are less relevant to our financial results and as such, we exclude the results of the Closed Block segment from after-tax adjusted operating income. As part of this update, we also determined that it is no longer necessary to adjust after-tax adjusted operating income to exclude the amortization of the cost of reinsurance, the amortization of the deferred gain on reinsurance, and the impact of non-contemporaneous reinsurance, because the majority of these items are included in Closed Block segment results. Prior period financial information has been adjusted to conform to this updated presentation.

Cash flow assumptions used to calculate our liability for future policy benefits are reviewed at least annually and updated, as needed, with the resulting impact reflected in net income. While the effects of these assumption updates are recorded in the reporting period in which the review is completed, these updates reflect experience emergence and changes to expectations spanning multiple periods. We believe that by excluding the impact of reserve assumption updates we are providing a more comparable and consistent view of our results.

We may at other times exclude certain other items from our discussion of financial ratios and metrics in order to enhance the understanding and comparability of our operational performance and the underlying fundamentals, but this exclusion is not an indication that similar items may not recur and does not replace net income or net loss as a measure of our overall profitability.

CONFERENCE CALL INFORMATION

Members of Unum Group senior management will host a conference call on Wednesday, April 29, 2026, at 8:00 am (Eastern Time) to discuss the results of operations for the first quarter of 2026. Topics may include forward-looking information, such as the Company’s outlook on future results, trends in operations, and other material information.

To receive dial in information for the call, please register in advance by using the following URL:

https://registrations.events/direct/Q4I3307983. Upon registration you will receive a dial-in number to use to access the event. It is recommended that you register at least 10 minutes before the start of the event. In addition, a live webcast of the call will also be available at www.investors.unum.com in a listen-only mode. It is recommended that webcast viewers access the “Investors” section of the Company’s website and opt-in to the webcast approximately 5-10 minutes

prior to the start of the call. A replay of the webcast will be available on the Company's website. A replay of the call will also be available through Wednesday, May 6, 2026 by using the registration URL noted above.

In conjunction with today’s earnings announcement, the Company’s Statistical Supplement for the first quarter of 2026 is available on the “Investors” section of the Company’s website.

# # #

ABOUT UNUM GROUP

Unum Group (NYSE: UNM), a leading international provider of workplace benefits and services, has been helping workers and their families thrive for more than 175 years. Through its Unum and Colonial Life brands, the company offers disability, life, accident, critical illness, dental, and vision insurance; leave and absence management support; and behavioral health services. In 2025, Unum Group reported revenues of $13.1 billion and paid $8.3 billion in benefits. The Fortune 500 company is recognized as one of the World’s Most Ethical Companies by Ethisphere®.

Visit the Unum Group newsroom (https://www.unumgroup.com/newsroom) for more information, and connect with us on LinkedIn (https://www.linkedin.com/company/unum), Facebook (https://www.facebook.com/unumbenefits/), and Instagram (https://www.instagram.com/unumbenefits/).

SAFE HARBOR STATEMENT

Certain information in this news release constitutes "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are those not based on historical information, but rather relate to our outlook, future operations, strategies, financial results, or other developments and speak only as of the date made. These forward-looking statements, including statements about anticipated after-tax adjusted operating income per share, are subject to numerous assumptions, risks, and uncertainties, many of which are beyond our control. The following factors, in addition to other factors mentioned from time to time, may cause actual results to differ materially from those contemplated by the forward-looking statements: (1) fluctuation in insurance reserve liabilities, claim payments, and pricing due to changes in claim incidence, recovery rates, mortality and morbidity rates, and policy benefit offsets due to, among other factors, the rate of unemployment and consumer confidence, the emergence of new diseases, epidemics, or pandemics, new trends and developments in medical treatments, the effectiveness of our claims operational processes, and changes in governmental programs; (2) sustained periods of low interest rates; (3) unfavorable economic or business conditions, both domestic and foreign, that may result in decreases in sales, premiums, or persistency, as well as unfavorable claims activity or unfavorable returns on our investment portfolio; (4) changes in, or interpretations or enforcement of, laws and regulations; (5) a cybersecurity attack or other security breach resulting in compromised data or the unauthorized acquisition of confidential data; (6) the failure of our business recovery and incident management processes to resume our business operations in the event of a natural catastrophe, cybersecurity attack, or other event; (7) increased competition from other insurers and financial services companies due to industry consolidation, new entrants to our markets, or other factors; (8) investment results, including, but not limited to, changes in interest rates, defaults, changes in credit spreads, impairments, and the lack of appropriate investments in the market which can be acquired to match our liabilities; (9) ineffectiveness of our derivatives hedging programs due to changes in forecasted cash flows, the economic environment, counterparty risk, ratings downgrades, capital market volatility, collateral requirements, changes in interest rates, and/or regulation; (10) our ability to develop digital capabilities or execute on our technology systems upgrades or replacements; (11) our use of artificial intelligence technology, as well as changes in artificial intelligence laws and regulations; (12) the impact of pandemics and other public health issues on our business, financial position, results of operations, liquidity and capital resources, and overall business operations; (13) changes in our financial strength and credit ratings; (14) the ability of our reinsurers to meet their obligations to us and availability of reinsurance in the market; (15) our ability to hire and retain qualified employees; (16) disruptions to our business or our ability to access data caused by the use and reliance on third party vendors, including vendors providing web and cloud-based applications; (17) ability to generate sufficient internal liquidity and/or obtain external financing; (18) damage to our reputation due to, among other factors, regulatory investigations, legal proceedings, social issues, third-party vendors, external events, and/or cyber or other information security incidents; (19) recoverability and/or realization of the carrying value of our intangible assets, long-lived assets, and deferred tax assets; (20) effectiveness of our risk management program; (21) contingencies and the level and results of litigation; (22) fluctuation in foreign currency exchange rates; and (23) our ability to meet sustainability standards and expectations of investors, regulators, customers, and other stakeholders.

For further discussion of risks and uncertainties which could cause actual results to differ from those contained in the forward-looking statements, see Part 1, Item 1A “Risk Factors” of our annual report on Form 10-K for the year ended December 31, 2025. The forward-looking statements in this news release are being made as of the date of this news release, and we expressly disclaim any obligation to update or revise any forward-looking statement contained herein, even if made available on our website or otherwise.

Unum Group

FINANCIAL HIGHLIGHTS

(Unaudited)

($ in millions, except share data)

Three Months Ended March 31

2026 2025

Revenue

Premium Income $ 2,794.0 $ 2,702.9

Net Investment Income 483.4 513.2

Net Investment Loss (5.0) (206.8)

Other Income 82.8 82.3

Total Revenue 3,355.2 3,091.6

Benefits and Expenses

Policy Benefits Including Remeasurement Loss (Gain)

2,004.0 1,871.0

Commissions 368.5 343.2

Interest and Debt Expense 53.1 52.0

Deferral of Acquisition Costs (190.6) (172.6)

Amortization of Deferred Acquisition Costs 134.2 125.4

Other Expenses 683.3 629.0

Total Benefits and Expenses 3,052.5 2,848.0

Income Before Income Tax 302.7 243.6

Income Tax Expense 70.7 54.5

Net Income $ 232.0 $ 189.1

PER SHARE INFORMATION

Net Income Per Common Share

Basic $ 1.41 $ 1.06

Assuming Dilution $ 1.41 $ 1.06

Weighted Average Common Shares - Basic (000s) 164,073.9 178,291.5

Weighted Average Common Shares - Assuming Dilution (000s) 164,399.5 178,882.4

Outstanding Shares - (000s) 160,749.6 175,826.9

Reconciliation of Non-GAAP Financial Measures

Three Months Ended March 31

2026 2025

(in millions) per share * (in millions) per share *

Net Income $ 232.0 $ 1.41 $ 189.1 $ 1.06

Excluding:

Net Investment Loss

Net Investment Loss Related to the Fortitude Re Reinsurance Transaction (net of tax benefit of $—; $36.9)

— — (139.0) (0.78)

Net Investment Loss, Other (net of tax benefit of $1.0; $6.5)

(4.0) (0.03) (24.4) (0.13)

Total Net Investment Loss

(4.0) (0.03) (163.4) (0.91)

Closed Block Segment After-Tax Adjusted Operating Income (Loss) (net of tax expense (benefit) of $(28.8); $4.3)

(116.5) (0.70) 3.7 0.02

After-tax Adjusted Operating Income $ 352.5 $ 2.14 $ 348.8 $ 1.95

* Assuming Dilution

March 31

2026 2025

(in millions) per share (in millions) per share

Total Stockholders' Equity (Book Value) $ 10,892.4 $ 67.76 $ 11,214.0 $ 63.78

Excluding:

Net Unrealized Loss on Securities (2,432.3) (15.13) (2,333.2) (13.27)

Effect of Change in Discount Rate Assumptions on the Liability for Future Policy Benefits 1,395.1 8.68 1,019.1 5.80

Net Loss on Derivatives (282.1) (1.76) (225.2) (1.28)

Subtotal 12,211.7 75.97 12,753.3 72.53

Excluding:

Foreign Currency Translation Adjustment (268.6) (1.67) (300.7) (1.71)

Subtotal 12,480.3 77.64 13,054.0 74.24

Excluding:

Unrecognized Pension and Postretirement Benefit Costs (207.6) (1.29) (338.8) (1.93)

Total Stockholders' Equity, Excluding Accumulated Other Comprehensive Loss

$ 12,687.9 $ 78.93 $ 13,392.8 $ 76.17

Three Months Ended

March 31, 2026 March 31, 2025

Premium Income

Premium Income in Local Currency1

Weighted Average Premium Income Exchange Rate2

Premium Income in Constant Currency

Unum International

Unum UK $ 232.1 £ 161.5 1.349 $ 217.9

Unum Poland 54.6 zł 171.2 0.277 47.4

Total 286.7 265.3

Unum US 1,840.5 $ 1,780.9 1,780.9

Colonial Life 472.7 $ 457.3 457.3

Core Operations $ 2,599.9 $ 2,503.5

1Premium income shown in millions of pounds for Unum UK, millions of zlotys for Unum Poland, and millions of U.S. dollars for Unum US and Colonial Life.

2Exchange rate is calculated using the average foreign currency exchange rates for the most recent period, applied to the comparable prior period.

After-Tax Segment Adjusted Operating Income (Loss)

Average Allocated Equity1

Annualized Adjusted Operating Return on Equity

Three Months Ended March 31, 2026

Unum US $ 267.8 $ 4,291.0 25.0 %

Unum International 22.8 837.8 10.9 %

Colonial Life 101.2 2,109.7 19.2 %

Core Operating Segments 391.8 7,238.5 21.7 %

Corporate

(39.3) 1,513.9

Closed Block

(116.5) 3,589.0

Total $ 236.0 $ 12,341.4

1 Excludes unrealized loss on securities, the effect of change in discount rate assumptions on the liability for future policy benefits, and net loss on derivatives and is calculated using the stockholders' equity balances presented below. Due to updates to our calculation of after-tax adjusted operating income for which the beginning balance of 2026 for certain stockholders' equity line items were adjusted, we are computing the average allocated equity for 2026 using internally allocated equity that reflects the adjusted beginning balance at January 1, 2026. As a result, average equity for the three months ended March 31, 2026 for certain of our segments will not compute using the historical allocated equity at December 31, 2025.

Three Months Ended March 31

2026

(in millions)

Net Income $ 232.0

Excluding:

Net Investment Loss (net of tax benefit of $1.0)

(4.0)

After-tax Segment Adjusted Operating Income

$ 236.0

3/31/2026 12/31/2025

Total Stockholders' Equity $ 10,892.4 $ 11,119.1

Excluding:

Net Unrealized Loss on Securities (2,432.3) (2,003.1)

Effect of Change in Discount Rate Assumptions on the Liability for Future Policy Benefits 1,395.1 929.9

Net Loss on Derivatives (282.1) (278.8)

Total Adjusted Stockholders' Equity $ 12,211.7 $ 12,471.1

Three Months Ended

3/31/2026

Average Adjusted Stockholders' Equity $ 12,341.4

Three Months Ended March 31

2026 2025

(in millions of dollars)

Income Before Income Tax $ 302.7 $ 243.6

Excluding:

Net Investment Loss

Net Investment Loss Related to the Fortitude Re Reinsurance Transaction — (175.9)

Net Investment Loss, Other (5.0) (30.9)

Total Net Investment Loss (5.0) (206.8)

Segment Adjusted Operating Income $ 307.7 $ 450.4

EX-99.2

Filename: unm03312026exhibit992.htm · Sequence: 3

Document

Unum Group

Statistical Supplement First Quarter 2026

TABLE OF CONTENTS

(in millions of dollars, except share data and where noted)

Interim Results are Unaudited

Page

Financial Highlights

Capital Metrics

Ratings

Consolidated Statements of Income

Sales Data by Segment

Consolidated Balance Sheets

Financial Results by Segment

Quarterly Historical Financial Results by Segment

Financial Results and Selected Statistics by Segment

Unum US

Unum International

Colonial Life

Closed Block

Corporate

Investments

Appendix to Statistical Supplement

See "Appendix to Statistical Supplement" on page 15 for a summary of significant items and page 15.3 for a reconciliation of our non-GAAP financial measures.

N.M. = not a meaningful percentage

Unum Group Financial Highlights

We applied updates to prior year reported information throughout this document to align to current year presentation. See "Appendix to the Statistical Supplement" beginning on page 15 for more information regarding this update.

Three Months Ended Year Ended

3/31/2026 3/31/2025 12/31/2025 12/31/2024

Consolidated U.S. GAAP Results¹

Premium Income $ 2,794.0 $ 2,702.9 $ 10,831.0 $ 10,497.4

Segment Adjusted Operating Revenue

$ 3,360.2 $ 3,298.4 $ 13,182.1 $ 12,921.9

Net Investment Loss (5.0) (206.8) (106.6) (34.6)

Total Revenue $ 3,355.2 $ 3,091.6 $ 13,075.5 $ 12,887.3

Net Income $ 232.0 $ 189.1 $ 738.5 $ 1,779.1

Net Income Per Common Share:

Basic $ 1.41 $ 1.06 $ 4.28 $ 9.49

Assuming Dilution $ 1.41 $ 1.06 $ 4.27 $ 9.46

Assets $ 62,714.3 $ 62,459.8 $ 63,519.4 $ 61,959.3

Liabilities $ 51,821.9 $ 51,245.8 $ 52,400.3 $ 50,998.2

Stockholders' Equity $ 10,892.4 $ 11,214.0 $ 11,119.1 $ 10,961.1

Adjusted Stockholders' Equity $ 12,211.7 $ 12,753.3 $ 12,471.1 $ 12,801.6

Adjusted Operating Return on Equity

Unum US 25.0 % 23.0 % 22.8 % 25.2 %

Unum International 10.9 % 15.4 % 14.8 % 15.6 %

Colonial Life 19.2 % 18.6 % 18.2 % 19.7 %

Core Operating Segments 21.7 % 21.0 % 20.6 % 22.7 %

Traditional U.S. Life Insurance Companies' Statutory Results2

Net Gain from Operations, After Tax $ 314.0 $ 489.8 $ 652.5 $ 1,337.0

Net Realized Capital Loss, After Tax

(0.5) (38.5) (18.5) (14.6)

Net Income $ 313.5 $ 451.3 $ 634.0 $ 1,322.4

Capital and Surplus $ 4,031.2 $ 4,190.3 $ 3,770.6 $ 3,909.7

Weighted Average Risk-based Capital Ratio ~ 460% ~ 460% ~ 440% ~ 430%

1 Generally Accepted Accounting Principles

2 Our traditional U.S. life insurance companies are Provident Life and Accident Insurance Company, Unum Life Insurance Company of America, First Unum Life Insurance Company, Colonial Life & Accident Insurance Company, The Paul Revere Life Insurance Company, Unum Insurance Company, Provident Life and Casualty Insurance Company, and Starmount Life Insurance Company.

Unum Group Capital Metrics

3/31/2026 3/31/2025 12/31/2025 12/31/2024

(in millions) per share (in millions) per share (in millions) per share (in millions) per share

Total Stockholders' Equity (Book Value) $ 10,892.4 $ 67.76 $ 11,214.0 $ 63.78 $ 11,119.1 $ 67.11 $ 10,961.1 $ 61.38

Excluding:

Net Unrealized Loss on Securities (2,432.3) (15.13) (2,333.2) (13.27) (2,003.1) (12.09) (2,755.2) (15.43)

Effect of Change in Discount Rate Assumptions on the Liability for Future Policy Benefits 1,395.1 8.68 1,019.1 5.80 929.9 5.61 1,185.4 6.64

Net Loss on Derivatives (282.1) (1.76) (225.2) (1.28) (278.8) (1.68) (270.7) (1.51)

Subtotal 12,211.7 75.97 12,753.3 72.53 12,471.1 75.27 12,801.6 71.68

Excluding:

Foreign Currency Translation Adjustment (268.6) (1.67) (300.7) (1.71) (245.6) (1.48) (343.0) (1.93)

Subtotal 12,480.3 77.64 13,054.0 74.24 12,716.7 76.75 13,144.6 73.61

Excluding:

Unrecognized Pension and Postretirement Benefit Costs (207.6) (1.29) (338.8) (1.93) (210.9) (1.27) (340.2) (1.90)

Total Stockholders' Equity, Excluding Accumulated Other Comprehensive Loss $ 12,687.9 $ 78.93 $ 13,392.8 $ 76.17 $ 12,927.6 $ 78.02 $ 13,484.8 $ 75.51

Dividends Paid $ 78.4 $ 0.46 $ 77.3 $ 0.42 $ 307.2 $ 1.76 $ 296.6 $ 1.570

Three Months Ended Year Ended

3/31/2026 3/31/2025 12/31/2025 12/31/2024

Shares Repurchased (millions)1

5.4 3.3 13.6 15.7

Cost of Shares Repurchased (millions)2

$ 402.4 $ 202.6 $ 1,011.7 $ 979.3

Price (UNM closing price on last trading day of period) $ 73.03 $ 81.46 $ 77.50 $ 73.03

Leverage Ratio

23.9 % 23.0 % 23.6 % 22.9 %

Holding Company Liquidity (millions)

$ 1,726 $ 2,215 $ 2,344 $ 1,987

1For the three months ended March 31, 2025, and for the year ended December 31, 2025, $0.7 million shares were included related to the settlement of the November 2024 accelerated share repurchase agreement (ASR) which occurred in February 2025.

2Includes commissions of $0.1 million for the three months ended March 31, 2026, $0.5 million for the three months ended March 31, 2025, $1.9 million for the year ended December 31, 2025, and a de minimis amount for the year ended December 31, 2024. There was excise tax of $3.7 million and $2.1 million for the three months ended March 31, 2026 and 2025, respectively, and $9.8 million and $8.3 million for the years ended December 31, 2025 and 2024, respectively. Also included for the year ended December 31, 2024 is $80.3 million related to shares which settled in February 2025 in connection with the November 2024 ASR agreement.

Unum Group Ratings

AM Best Fitch Moody's S&P

Outlook Stable Stable Stable Stable

Senior Unsecured Debt Ratings bbb+ BBB Baa2 BBB

Financial Strength Ratings

Provident Life and Accident Insurance Company A A A2 A

Unum Life Insurance Company of America A A A2 A

First Unum Life Insurance Company A A A2 A

Colonial Life & Accident Insurance Company A A A2 A

The Paul Revere Life Insurance Company A A A2 A

Unum Insurance Company A A A2 NR

Provident Life and Casualty Insurance Company A A NR NR

Starmount Life Insurance Company A NR NR NR

Unum Limited NR NR NR A-

NR = not rated

Unum Group Consolidated Statements of Income

Three Months Ended Year Ended

3/31/2026 3/31/2025 12/31/2025 12/31/2024

Revenue

Premium Income $ 2,794.0 $ 2,702.9 $ 10,831.0 $ 10,497.4

Net Investment Income 483.4 513.2 2,032.7 2,130.0

Net Investment Loss (5.0) (206.8) (106.6) (34.6)

Other Income 82.8 82.3 318.4 294.5

Total Revenue 3,355.2 3,091.6 13,075.5 12,887.3

Benefits and Expenses

Policy Benefits Including Remeasurement Loss or Gain

2,004.0 1,871.0 8,065.3 6,917.9

Commissions 368.5 343.2 1,355.3 1,258.6

Interest and Debt Expense 53.1 52.0 208.8 201.1

Deferral of Acquisition Costs (190.6) (172.6) (697.1) (651.5)

Amortization of Deferred Acquisition Costs 134.2 125.4 527.1 521.0

Other Expenses 683.3 629.0 2,682.6 2,388.9

Total Benefits and Expenses 3,052.5 2,848.0 12,142.0 10,636.0

Income Before Income Tax 302.7 243.6 933.5 2,251.3

Income Tax Expense 70.7 54.5 195.0 472.2

Net Income $ 232.0 $ 189.1 $ 738.5 $ 1,779.1

Weighted Average Shares Outstanding

Basic 164.1 178.3 172.5 187.5

Assuming Dilution 164.4 178.9 172.9 188.1

Actual Number of Shares Outstanding 160.7 175.8 165.7 178.6

Unum Group Sales Data for Unum US Segment

Three Months Ended Year Ended

3/31/2026 3/31/2025 % Change 12/31/2025 12/31/2024

Sales by Market Sector

Group Disability and Group Life and AD&D

Core Market (< 2,000 employees) $ 93.5 $ 70.9 31.9 % $ 527.8 $ 512.6

Large Case Market 52.3 48.5 7.8 351.5 363.7

Subtotal 145.8 119.4 22.1 879.3 876.3

Supplemental and Voluntary 189.3 158.1 19.7 479.6 490.7

Total Sales $ 335.1 $ 277.5 20.8 $ 1,358.9 $ 1,367.0

Unum Group Sales Data for Unum International Segment

Three Months Ended Year Ended

(in millions of dollars) 3/31/2026 3/31/2025 % Change 12/31/2025 12/31/2024

Sales by Market Sector

Unum UK

Group Long-term Disability and Group Life

Core Market (< 500 employees) $ 10.2 $ 11.2 (8.9) % $ 48.2 $ 41.8

Large Case Market 11.7 6.8 72.1 70.0 73.8

Subtotal 21.9 18.0 21.7 118.2 115.6

Supplemental 11.2 8.7 28.7 32.8 34.9

Unum Poland 9.0 10.2 (11.8) 46.2 36.4

Total Sales $ 42.1 $ 36.9 14.1 $ 197.2 $ 186.9

Unum UK Sales by Market Sector

Group Long-term Disability and Group Life

Core Market (< 500 employees) £ 7.6 £ 8.9 (14.6) % £ 36.6 £ 32.8

Large Case Market 8.6 5.4 59.3 52.8 57.8

Subtotal 16.2 14.3 13.3 89.4 90.6

Supplemental 8.3 7.0 18.6 25.0 27.5

Total Sales £ 24.5 £ 21.3 15.0 £ 114.4 £ 118.1

5. 1

Unum Group Sales Data for Colonial Life Segment

Three Months Ended Year Ended

3/31/2026 3/31/2025 % Change 12/31/2025 12/31/2024

Sales by Market Sector

Commercial Sector

Core Market (< 1,000 employees) $ 70.5 $ 69.8 1.0 % $ 343.5 $ 331.9

Large Case Market 9.8 9.3 5.4 71.8 65.1

Subtotal 80.3 79.1 1.5 415.3 397.0

Public Sector 26.0 26.2 (0.8) 145.0 135.2

Total Sales $ 106.3 $ 105.3 0.9 $ 560.3 $ 532.2

5. 2

Unum Group Consolidated Balance Sheets

March 31 December 31

2026 2025

Assets

Investments

Fixed Maturity Securities - at fair value $ 33,300.8 $ 33,056.6

Mortgage Loans 2,066.3 2,109.5

Policy Loans 3,702.9 3,668.1

Other Long-term Investments 1,664.8 1,670.4

Short-term Investments 2,055.3 3,016.2

Total Investments 42,790.1 43,520.8

Other Assets

Cash and Bank Deposits 192.6 158.2

Accounts and Premiums Receivable 1,614.4 1,429.8

Reinsurance Recoverable 11,310.9 11,574.6

Accrued Investment Income 582.0 596.0

Deferred Acquisition Costs 2,974.4 2,920.3

Goodwill 353.0 353.9

Property and Equipment 509.3 503.7

Deferred Income Tax 37.2 79.5

Other Assets 2,350.4 2,382.6

Total Assets $ 62,714.3 $ 63,519.4

Unum Group Consolidated Balance Sheets - Continued

March 31 December 31

2026 2025

Liabilities and Stockholders' Equity

Liabilities

Future Policy Benefits

$ 37,300.5 $ 38,017.0

Policyholders' Account Balances

5,736.0 5,636.4

Unearned Premiums 509.1 412.8

Other Policyholders’ Funds 1,472.6 1,479.7

Income Tax Payable 87.6 52.2

Deferred Income Tax 41.0 38.8

Long-term Debt 3,762.0 3,767.6

Other Liabilities 2,913.1 2,995.8

Total Liabilities 51,821.9 52,400.3

Stockholders’ Equity

Common Stock 19.6 19.6

Additional Paid-in Capital 1,602.1 1,593.0

Accumulated Other Comprehensive Loss (1,795.5) (1,808.5)

Retained Earnings 13,498.9 13,345.3

Treasury Stock - at cost (2,432.7) (2,030.3)

Total Stockholders’ Equity 10,892.4 11,119.1

Total Liabilities and Stockholders’ Equity $ 62,714.3 $ 63,519.4

6. 1

Unum Group Balance Sheets by Segment - March 31, 2026

Unum US

Group Disability Group Life and Accidental Death & Dismemberment Supplemental and Voluntary Total Unum US Unum International Colonial Life Closed Block Corporate Consolidated

Assets

Investments $ 5,537.1 $ 1,837.5 $ 4,310.4 $ 11,685.0 $ 2,869.6 $ 3,534.1 $ 20,596.0 $ 4,105.4 $ 42,790.1

Deferred Acquisition Costs 66.0 61.2 1,104.4 1,231.6 75.6 1,667.2 — — 2,974.4

Goodwill 10.1 — 271.1 281.2 44.1 27.7 — — 353.0

Reinsurance Recoverable

25.2 8.8 410.5 444.5 121.5 5.5 10,739.4 — 11,310.9

All Other 423.9 315.1 119.6 858.6 551.1 97.9 1,167.8 2,610.5 5,285.9

Total Assets $ 6,062.3 $ 2,222.6 $ 6,216.0 $ 14,500.9 $ 3,661.9 $ 5,332.4 $ 32,503.2 $ 6,715.9 $ 62,714.3

Liabilities

Future Policy Benefits $ 4,521.6 $ 779.2 $ 3,059.6 $ 8,360.4 $ 2,248.5 $ 2,013.5 $ 24,678.1 $ — $ 37,300.5

Policyholders' Account Balances — — 659.0 659.0 — 855.7 4,114.8 106.5 5,736.0

Unearned Premiums 3.5 6.6 60.8 70.9 268.4 47.9 121.9 — 509.1

Other Policyholders' Funds 39.1 775.0 31.2 845.3 70.6 8.2 548.5 — 1,472.6

Debt — — — — — — — 3,762.0 3,762.0

All Other 49.6 28.5 209.3 287.4 167.3 84.1 586.9 1,916.0 3,041.7

Total Liabilities 4,613.8 1,589.3 4,019.9 10,223.0 2,754.8 3,009.4 30,050.2 5,784.5 51,821.9

Allocated Stockholders' Equity

Other Allocated Stockholders' Equity 1,420.0 694.6 2,156.2 4,270.8 853.2 2,133.9 3,487.4 1,466.4 12,211.7

Net Unrealized Loss on Securities and Net Loss on Derivatives

(150.0) (79.7) (172.3) (402.0) (149.8) (100.8) (1,526.8) (535.0) (2,714.4)

Effect of Change in Discount Rate Assumptions on the Liability for Future Policy Benefits

178.5 18.4 212.2 409.1 203.7 289.9 492.4 — 1,395.1

Total Allocated Stockholders' Equity 1,448.5 633.3 2,196.1 4,277.9 907.1 2,323.0 2,453.0 931.4 10,892.4

Total Liabilities and Allocated Stockholders' Equity $ 6,062.3 $ 2,222.6 $ 6,216.0 $ 14,500.9 $ 3,661.9 $ 5,332.4 $ 32,503.2 $ 6,715.9 $ 62,714.3

Allocated stockholders' equity is determined on the basis of an internal allocation formula that reflects the volume and risk components of the business and aligns with our target capital levels for regulatory and rating agency purposes. We modify this formula periodically to recognize changes in the views of capital requirements.

6. 2

Unum Group Balance Sheets by Segment - December 31, 2025

Unum US

Group Disability Group Life and Accidental Death & Dismemberment Supplemental and Voluntary Total Unum US Unum International Colonial Life Closed Block Corporate Consolidated

Assets

Investments $ 5,685.7 $ 1,827.5 $ 4,314.6 $ 11,827.8 $ 3,183.2 $ 3,420.8 $ 21,459.4 $ 3,629.6 $ 43,520.8

Deferred Acquisition Costs 63.6 57.6 1,087.5 1,208.7 72.1 1,639.5 — — 2,920.3

Goodwill 10.1 — 271.1 281.2 45.0 27.7 — — 353.9

Reinsurance Recoverable

26.2 7.6 410.1 443.9 93.3 4.6 11,032.8 — 11,574.6

All Other 386.5 326.9 160.3 873.7 254.4 197.3 1,395.6 2,428.8 5,149.8

Total Assets $ 6,172.1 $ 2,219.6 $ 6,243.6 $ 14,635.3 $ 3,648.0 $ 5,289.9 $ 33,887.8 $ 6,058.4 $ 63,519.4

Liabilities

Future Policy Benefits $ 4,591.6 $ 802.4 $ 3,099.4 $ 8,493.4 $ 2,404.3 $ 2,032.0 $ 25,087.3 $ — $ 38,017.0

Policyholders' Account Balances — — 665.7 665.7 — 858.9 4,111.8 — 5,636.4

Unearned Premiums 1.3 5.7 41.7 48.7 201.5 46.9 115.7 — 412.8

Other Policyholders' Funds 26.1 769.6 33.0 828.7 78.3 8.8 563.9 — 1,479.7

Debt — — — — — — — 3,767.6 3,767.6

All Other 36.3 27.2 209.2 272.7 125.6 71.1 594.4 2,023.0 3,086.8

Total Liabilities 4,655.3 1,604.9 4,049.0 10,309.2 2,809.7 3,017.7 30,473.1 5,790.6 52,400.3

Allocated Stockholders' Equity

Other Allocated Stockholders' Equity 1,473.7 666.6 2,165.0 4,305.3 822.4 2,083.1 4,495.2 765.1 12,471.1

Net Unrealized Loss on Securities and Net Loss on Derivatives

(106.3) (67.0) (141.6) (314.9) (115.0) (72.1) (1,282.6) (497.3) (2,281.9)

Effect of Change in Discount Rate Assumptions on the Liability for Future Policy Benefits 149.4 15.1 171.2 335.7 130.9 261.2 202.1 — 929.9

Total Allocated Stockholders' Equity 1,516.8 614.7 2,194.6 4,326.1 838.3 2,272.2 3,414.7 267.8 11,119.1

Total Liabilities and Allocated Stockholders' Equity $ 6,172.1 $ 2,219.6 $ 6,243.6 $ 14,635.3 $ 3,648.0 $ 5,289.9 $ 33,887.8 $ 6,058.4 $ 63,519.4

6. 3

Unum Group Financial Results by Segment

We measure and analyze our segment performance on the basis of "segment adjusted operating revenue" and "segment adjusted operating income" or "segment adjusted operating loss", which differ from total revenue and income before income tax as presented in our consolidated statements of income due to the exclusion of investment gains or losses, reserve assumption updates, as well as certain other items as specified in the following pages. Investment gains or losses primarily include realized investment gains or losses, expected investment credit losses, impairment losses, and gains or losses on derivatives. These performance measures are in accordance with GAAP guidance for segment reporting, but they should not be viewed as a substitute for total revenue, income before income tax, or net income.

Three Months Ended Year Ended

3/31/2026 3/31/2025 % Change 12/31/2025 12/31/2024 % Change

Premium Income

Unum US $ 1,840.5 $ 1,780.9 3.3 % $ 7,083.5 $ 6,883.2 2.9 %

Unum International 286.7 246.7 16.2 1,082.8 949.5 14.0

Colonial Life 472.7 457.3 3.4 1,839.1 1,783.9 3.1

Closed Block 194.1 218.0 (11.0) 825.6 880.8 (6.3)

2,794.0 2,702.9 3.4 10,831.0 10,497.4 3.2

Net Investment Income

Unum US 158.3 148.9 6.3 604.2 632.2 (4.4)

Unum International 29.6 28.5 3.9 145.6 128.8 13.0

Colonial Life 46.8 42.2 10.9 172.6 161.5 6.9

Closed Block 229.1 269.7 (15.1) 1,016.5 1,148.9 (11.5)

Corporate 19.6 23.9 (18.0) 93.8 58.6 60.1

483.4 513.2 (5.8) 2,032.7 2,130.0 (4.6)

Other Income

Unum US 66.8 71.9 (7.1) 258.8 235.9 9.7

Unum International 3.3 0.1 N.M. 7.7 1.6 N.M.

Colonial Life 0.7 0.4 75.0 1.6 4.0 (60.0)

Closed Block 11.3 9.9 14.1 49.9 51.7 (3.5)

Corporate 0.7 — N.M. 0.4 1.3 (69.2)

82.8 82.3 0.6 318.4 294.5 8.1

Total Segment Adjusted Operating Revenue

Unum US 2,065.6 2,001.7 3.2 7,946.5 7,751.3 2.5

Unum International 319.6 275.3 16.1 1,236.1 1,079.9 14.5

Colonial Life 520.2 499.9 4.1 2,013.3 1,949.4 3.3

Closed Block 434.5 497.6 (12.7) 1,892.0 2,081.4 (9.1)

Corporate 20.3 23.9 (15.1) 94.2 59.9 57.3

$ 3,360.2 $ 3,298.4 1.9 $ 13,182.1 $ 12,921.9 2.0

Unum Group Financial Results by Segment - Continued

Three Months Ended Year Ended

3/31/2026 3/31/2025 % Change 12/31/2025 12/31/2024 % Change

Adjusted Benefits and Expenses

Unum US $ 1,727.7 $ 1,672.6 3.3 % $ 6,666.6 $ 6,312.1 5.6 %

Unum International 288.7 236.6 22.0 1,083.8 922.1 17.5

Colonial Life 392.4 384.2 2.1 1,549.7 1,482.7 4.5

Closed Block 579.8 489.6 18.4 1,973.8 2,010.1 (1.8)

Corporate 63.9 65.0 (1.7) 265.8 251.1 5.9

3,052.5 2,848.0 7.2 11,539.7 10,978.1 5.1

Segment Adjusted Operating Income (Loss)

Unum US 337.9 329.1 2.7 1,279.9 1,439.2 (11.1)

Unum International 30.9 38.7 (20.2) 152.3 157.8 (3.5)

Colonial Life 127.8 115.7 10.5 463.6 466.7 (0.7)

Closed Block (145.3) 8.0 N.M. (81.8) 71.3 N.M.

Corporate (43.6) (41.1) 6.1 (171.6) (191.2) (10.3)

$ 307.7 $ 450.4 (31.7) $ 1,642.4 $ 1,943.8 (15.5)

7. 1

Unum Group Quarterly Historical Financial Results by Segment

3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025

Premium Income

Unum US $ 1,840.5 $ 1,748.6 $ 1,755.4 $ 1,798.6 $ 1,780.9

Unum International 286.7 283.9 281.1 271.1 246.7

Colonial Life 472.7 463.2 456.5 462.1 457.3

Closed Block 194.1 196.4 195.0 216.2 218.0

2,794.0 2,692.1 2,688.0 2,748.0 2,702.9

Net Investment Income

Unum US 158.3 148.3 151.9 155.1 148.9

Unum International 29.6 34.7 36.2 46.2 28.5

Colonial Life 46.8 43.5 44.3 42.6 42.2

Closed Block 229.1 237.6 224.7 284.5 269.7

Corporate 19.6 17.9 19.7 32.3 23.9

483.4 482.0 476.8 560.7 513.2

Other Income

Unum US 66.8 63.4 65.5 58.0 71.9

Unum International 3.3 4.4 2.9 0.3 0.1

Colonial Life 0.7 0.3 0.6 0.3 0.4

Closed Block 11.3 11.6 16.3 12.1 9.9

Corporate 0.7 0.4 0.3 (0.3) —

82.8 80.1 85.6 70.4 82.3

Total Segment Adjusted Operating Revenue

Unum US 2,065.6 1,960.3 1,972.8 2,011.7 2,001.7

Unum International 319.6 323.0 320.2 317.6 275.3

Colonial Life 520.2 507.0 501.4 505.0 499.9

Closed Block 434.5 445.6 436.0 512.8 497.6

Corporate 20.3 18.3 20.0 32.0 23.9

$ 3,360.2 $ 3,254.2 $ 3,250.4 $ 3,379.1 $ 3,298.4

Unum Group Quarterly Historical Financial Results by Segment - Continued

3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025

Adjusted Benefits and Expenses

Unum US $ 1,727.7 $ 1,666.8 $ 1,633.7 $ 1,693.5 $ 1,672.6

Unum International 288.7 289.8 281.4 276.0 236.6

Colonial Life 392.4 393.1 384.8 387.6 384.2

Closed Block 579.8 482.8 477.8 523.6 489.6

Corporate 63.9 69.4 67.7 63.7 65.0

3,052.5 2,901.9 2,845.4 2,944.4 2,848.0

Segment Adjusted Operating Income (Loss)

Unum US 337.9 293.5 339.1 318.2 329.1

Unum International 30.9 33.2 38.8 41.6 38.7

Colonial Life 127.8 113.9 116.6 117.4 115.7

Closed Block (145.3) (37.2) (41.8) (10.8) 8.0

Corporate (43.6) (51.1) (47.7) (31.7) (41.1)

$ 307.7 $ 352.3 $ 405.0 $ 434.7 $ 450.4

8. 1

Unum Group Financial Results for Unum US Segment

Three Months Ended Year Ended

3/31/2026 3/31/2025 12/31/2025 12/31/2024

Segment Adjusted Operating Revenue

Premium Income $ 1,840.5 $ 1,780.9 $ 7,083.5 $ 6,883.2

Net Investment Income 158.3 148.9 604.2 632.2

Other Income

66.8 71.9 258.8 235.9

Total 2,065.6 2,001.7 7,946.5 7,751.3

Adjusted Benefits and Expenses

Adjusted Policy Benefits Including Remeasurement Loss or Gain

1,095.3 1,063.2 4,268.1 4,008.3

Commissions 219.4 205.6 794.9 729.3

Deferral of Acquisition Costs (91.6) (84.7) (331.7) (320.9)

Amortization of Deferred Acquisition Costs 68.7 65.2 283.3 292.5

Other Expenses 435.9 423.3 1,652.0 1,602.9

Total 1,727.7 1,672.6 6,666.6 6,312.1

Segment Adjusted Operating Income 337.9 329.1 1,279.9 1,439.2

Reserve Assumption Updates — — 147.7 143.6

Income before Income Tax and Net Investment Gains and Losses $ 337.9 $ 329.1 $ 1,427.6 $ 1,582.8

Operating Ratios (% of Premium Income):

Benefit Ratio1

59.5 % 59.7 % 60.3 % 58.2 %

Other Expense Ratio2

22.9 % 23.0 % 22.6 % 22.5 %

Segment Adjusted Operating Income Ratio

18.4 % 18.5 % 18.1 % 20.9 %

Income Ratio

20.2 % 23.0 %

1Excludes the reserve assumption updates that occurred during the third quarters of 2025 and 2024.

2Ratio of Other Expenses to Premium Income plus Unum US Group Disability Other Income, which is primarily related to fee-based services.

Unum Group Financial Results for Unum US Group Disability

Three Months Ended Year Ended

3/31/2026 3/31/2025 12/31/2025 12/31/2024

Segment Adjusted Operating Revenue

Premium Income

Group Long-term Disability $ 498.8 $ 504.5 $ 2,011.1 $ 2,086.1

Group Short-term Disability 310.7 278.3 1,138.4 1,084.0

Total Premium Income 809.5 782.8 3,149.5 3,170.1

Net Investment Income 76.0 74.0 296.0 311.2

Other Income 60.9 56.0 228.6 232.1

Total 946.4 912.8 3,674.1 3,713.4

Adjusted Benefits and Expenses

Adjusted Policy Benefits Including Remeasurement Loss or Gain

515.7 483.7 1,964.3 1,871.8

Commissions 69.8 65.0 250.1 244.4

Deferral of Acquisition Costs (16.3) (16.1) (60.7) (62.2)

Amortization of Deferred Acquisition Costs 13.9 10.4 58.2 64.7

Other Expenses 256.7 250.6 982.4 973.5

Total 839.8 793.6 3,194.3 3,092.2

Segment Adjusted Operating Income 106.6 119.2 479.8 621.2

Reserve Assumption Updates — — 105.8 90.0

Income Before Income Tax and Net Investment Gains and Losses $ 106.6 $ 119.2 $ 585.6 $ 711.2

Operating Ratios (% of Premium Income):

Benefit Ratio1

63.7 % 61.8 % 62.4 % 59.0 %

Other Expense Ratio2

29.5 % 29.9 % 29.1 % 28.6 %

Segment Adjusted Operating Income Ratio

13.2 % 15.2 % 15.2 % 19.6 %

Income Ratio

18.6 % 22.4 %

Persistency:

Group Long-term Disability 92.2 % 90.7 % 91.1 % 93.3 %

Group Short-term Disability 90.7 % 87.5 % 88.9 % 91.7 %

1Excludes the reserve assumption updates that occurred during the third quarters of 2025 and 2024.

2Ratio of Other Expenses to Premium Income plus Other Income, which is primarily related to fee-based services.

9. 1

Unum Group Financial Results for Unum US Group Life and Accidental Death & Dismemberment

Three Months Ended Year Ended

3/31/2026 3/31/2025 12/31/2025 12/31/2024

Segment Adjusted Operating Revenue

Premium Income

Group Life $ 495.4 $ 466.2 $ 1,871.1 $ 1,784.7

Accidental Death & Dismemberment 53.0 48.2 195.6 186.1

Total Premium Income 548.4 514.4 2,066.7 1,970.8

Net Investment Income 23.5 18.2 81.6 88.3

Other Income 0.7 0.1 1.2 1.5

Total 572.6 532.7 2,149.5 2,060.6

Adjusted Benefits and Expenses

Adjusted Policy Benefits Including Remeasurement Loss or Gain

338.7 356.7 1,394.9 1,307.2

Commissions 51.1 47.0 186.3 168.0

Deferral of Acquisition Costs (12.3) (11.6) (45.5) (40.6)

Amortization of Deferred Acquisition Costs 8.7 6.1 39.0 38.4

Other Expenses 71.3 65.3 255.4 243.0

Total 457.5 463.5 1,830.1 1,716.0

Segment Adjusted Operating Income 115.1 69.2 319.4 344.6

Reserve Assumption Updates

— — 3.1 13.0

Income Before Income Tax and Net Investment Gains and Losses $ 115.1 $ 69.2 $ 322.5 $ 357.6

Operating Ratios (% of Premium Income):

Benefit Ratio1

61.8 % 69.3 % 67.5 % 66.3 %

Other Expense Ratio 13.0 % 12.7 % 12.4 % 12.3 %

Segment Adjusted Operating Income Ratio

21.0 % 13.5 % 15.5 % 17.5 %

Income Ratio

15.6 % 18.1 %

Persistency:

Group Life 92.6 % 89.2 % 90.2 % 92.0 %

Accidental Death & Dismemberment 92.2 % 87.9 % 89.1 % 91.2 %

1Excludes the reserve assumption updates that occurred during the third quarters of 2025 and 2024.

9. 2

Unum Group Financial Results for Unum US Supplemental and Voluntary

Three Months Ended Year Ended

3/31/2026 3/31/2025 12/31/2025 12/31/2024

Segment Adjusted Operating Revenue

Premium Income

Voluntary Benefits $ 253.8 $ 234.1 $ 927.4 $ 879.2

Individual Disability 146.5 168.7 615.1 566.0

Dental and Vision 82.3 80.9 324.8 297.1

Total Premium Income 482.6 483.7 1,867.3 1,742.3

Net Investment Income 58.8 56.7 226.6 232.7

Other Income

5.2 15.8 29.0 2.3

Total 546.6 556.2 2,122.9 1,977.3

Adjusted Benefits and Expenses

Adjusted Policy Benefits Including Remeasurement Loss or Gain

240.9 222.8 908.9 829.3

Commissions 98.5 93.6 358.5 316.9

Deferral of Acquisition Costs (63.0) (57.0) (225.5) (218.1)

Amortization of Deferred Acquisition Costs 46.1 48.7 186.1 189.4

Other Expenses 107.9 107.4 414.2 386.4

Total 430.4 415.5 1,642.2 1,503.9

Segment Adjusted Operating Income 116.2 140.7 480.7 473.4

Reserve Assumption Updates - Voluntary Benefits — — 11.1 (12.2)

Reserve Assumption Updates - Individual Disability — — 27.7 52.8

Income Before Income Tax and Net Investment Gains and Losses $ 116.2 $ 140.7 $ 519.5 $ 514.0

Operating Ratios (% of Premium Income):

Benefit Ratio

49.9 % 46.1 % 48.7 % 47.6 %

Other Expense Ratio 22.4 % 22.2 % 22.2 % 22.2 %

Segment Adjusted Operating Income Ratio

24.1 % 29.1 % 25.7 % 27.2 %

Income Ratio

27.8 % 29.5 %

Persistency:

Voluntary Benefits 75.8 % 76.8 % 76.5 % 76.0 %

Individual Disability 87.9 % 88.2 % 87.7 % 89.0 %

Dental and Vision 79.9 % 82.2 % 83.3 % 81.4 %

1Excludes the reserve assumption updates that occurred during the third quarters of 2025 and 2024.

9. 3

Unum Group Financial Results for Unum International Segment

Three Months Ended Year Ended

3/31/2026 3/31/2025 12/31/2025 12/31/2024

Segment Adjusted Operating Revenue

Premium Income

Unum UK

Group Long-term Disability $ 104.8 $ 100.2 $ 427.5 $ 418.0

Group Life 77.0 61.6 275.7 211.3

Supplemental 50.3 41.9 184.2 165.6

Unum Poland 54.6 43.0 195.4 154.6

Total Premium Income 286.7 246.7 1,082.8 949.5

Net Investment Income 29.6 28.5 145.6 128.8

Other Income 3.3 0.1 7.7 1.6

Total 319.6 275.3 1,236.1 1,079.9

Adjusted Benefits and Expenses

Adjusted Policy Benefits Including Remeasurement Loss or Gain

203.5 164.1 772.8 649.2

Commissions 31.0 22.4 95.7 82.5

Deferral of Acquisition Costs (9.2) (5.3) (22.0) (17.8)

Amortization of Deferred Acquisition Costs 3.4 2.5 10.7 9.5

Other Expenses 60.0 52.9 226.6 198.7

Total 288.7 236.6 1,083.8 922.1

Segment Adjusted Operating Income 30.9 38.7 152.3 157.8

Reserve Assumption Updates

— — 5.4 (7.5)

Income Before Income Tax and Net Investment Gains and Losses $ 30.9 $ 38.7 $ 157.7 $ 150.3

Unum Group Financial Results for Unum UK

Three Months Ended Year Ended

(in millions of pounds, except exchange rate)

3/31/2026 3/31/2025 12/31/2025 12/31/2024

Segment Adjusted Operating Revenue

Premium Income

Group Long-term Disability £ 77.8 £ 79.4 £ 324.0 £ 327.0

Group Life 57.1 48.9 208.8 165.1

Supplemental 37.2 33.2 139.6 129.5

Total Premium Income 172.1 161.5 672.4 621.6

Net Investment Income 19.1 20.1 99.4 91.9

Other Income

2.3 0.1 5.3 0.1

Total 193.5 181.7 777.1 713.6

Adjusted Benefits and Expenses

Adjusted Policy Benefits Including Remeasurement Loss or Gain

125.5 108.4 494.5 433.8

Commissions 14.9 10.1 40.6 38.2

Deferral of Acquisition Costs (3.3) (1.2) (3.9) (3.8)

Amortization of Deferred Acquisition Costs 1.6 1.3 4.9 5.2

Other Expenses 34.4 33.6 133.5 122.4

Total 173.1 152.2 669.6 595.8

Segment Adjusted Operating Income 20.4 29.5 107.5 117.8

Reserve Assumption Updates

— — 0.7 (6.4)

Income Before Income Tax and Net Investment Gains and Losses £ 20.4 £ 29.5 £ 108.2 £ 111.4

Weighted Average Pound/Dollar Exchange Rate 1.343 1.264 1.318 1.278

Operating Ratios (% of Premium Income):

Benefit Ratio1

72.9 % 67.1 % 73.5 % 69.8 %

Other Expense Ratio 20.0 % 20.8 % 19.9 % 19.7 %

Segment Adjusted Operating Income Ratio

11.9 % 18.3 % 16.0 % 19.0 %

Income Ratio

16.1 % 17.9 %

Persistency:

Group Long-term Disability 90.6 % 92.1 % 92.3 % 92.0 %

Group Life 87.1 % 88.9 % 90.1 % 89.1 %

Supplemental 91.4 % 89.4 % 93.3 % 90.4 %

1Excludes the reserve assumption updates that occurred during the third quarters of 2025 and 2024.

10. 1

Unum Group Financial Results for Colonial Life Segment

Three Months Ended Year Ended

3/31/2026 3/31/2025 12/31/2025 12/31/2024

Segment Adjusted Operating Revenue

Premium Income

Accident, Sickness, and Disability $ 252.8 $ 247.1 $ 993.5 $ 969.5

Life 128.3 119.9 483.6 458.0

Cancer and Critical Illness 91.6 90.3 362.0 356.4

Total Premium Income 472.7 457.3 1,839.1 1,783.9

Net Investment Income 46.8 42.2 172.6 161.5

Other Income 0.7 0.4 1.6 4.0

Total 520.2 499.9 2,013.3 1,949.4

Adjusted Benefits and Expenses

Adjusted Policy Benefits Including Remeasurement Loss or Gain

217.3 218.1 885.1 850.7

Commissions 102.9 97.3 398.6 378.4

Deferral of Acquisition Costs (89.8) (82.6) (343.4) (312.8)

Amortization of Deferred Acquisition Costs 62.1 57.7 233.1 219.0

Other Expenses 99.9 93.7 376.3 347.4

Total 392.4 384.2 1,549.7 1,482.7

Segment Adjusted Operating Income 127.8 115.7 463.6 466.7

Reserve Assumption Updates

— — 8.9 46.0

Income Before Income Tax and Net Investment Gains and Losses $ 127.8 $ 115.7 $ 472.5 $ 512.7

Operating Ratios (% of Premium Income):

Benefit Ratio1

46.0 % 47.7 % 48.1 % 47.7 %

Other Expense Ratio 21.1 % 20.5 % 20.5 % 19.5 %

Segment Adjusted Operating Income Ratio

27.0 % 25.3 % 25.2 % 26.2 %

Income Ratio

25.7 % 28.7 %

Persistency:

Accident, Sickness, and Disability 73.8 % 73.6 % 74.1 % 73.7 %

Life 84.3 % 83.8 % 84.2 % 84.4 %

Cancer and Critical Illness 81.2 % 82.2 % 82.1 % 82.2 %

1Excludes the reserve assumption updates that occurred during the third quarters of 2025 and 2024.

Unum Group Financial Results for Closed Block Segment

Three Months Ended Year Ended

3/31/2026 3/31/2025 12/31/2025 12/31/2024

Segment Adjusted Operating Revenue

Premium Income

Long-term Care $ 159.4 $ 176.2 $ 670.8 $ 696.1

All Other 34.7 41.8 154.8 184.7

Total Premium Income 194.1 218.0 825.6 880.8

Net Investment Income 229.1 269.7 1,016.5 1,148.9

Other Income 11.3 9.9 49.9 51.7

Total 434.5 497.6 1,892.0 2,081.4

Adjusted Benefits and Expenses

Adjusted Policy Benefits Including Remeasurement Loss or Gain

487.9 425.6 1,660.8 1,767.1

Commissions 15.2 17.9 66.1 68.4

Other Expenses 76.7 46.1 246.9 174.6

Total 579.8 489.6 1,973.8 2,010.1

Segment Adjusted Operating Income (Loss) (145.3) 8.0 (81.8) 71.3

Reserve Assumption Updates - Long-Term Care

— — (643.1) 174.1

Reserve Assumption Updates - All Other

— — 2.6 1.2

Income (Loss) Before Income Tax and Net Investment Gains and Losses $ (145.3) $ 8.0 $ (722.3) $ 246.6

Long-term Care Net Premium Ratio1

97.6 % 94.7 % 97.5 % 94.6 %

Operating Ratios (% of Premium Income):

Other Expense Ratio

39.5 % 21.1 % 29.9 % 19.8 %

Segment Adjusted Operating Income (Loss) Ratio (74.9) % 3.7 % (9.9) % 8.1 %

Income (Loss) Ratio (87.5) % 28.0 %

1Gross of reinsurance.

Unum Group Financial Results for Corporate Segment

Three Months Ended Year Ended

3/31/2026 3/31/2025 12/31/2025 12/31/2024

Segment Adjusted Operating Revenue

Net Investment Income $ 19.6 $ 23.9 $ 93.8 $ 58.6

Other Income

0.7 — 0.4 1.3

Total 20.3 23.9 94.2 59.9

Interest, Debt, and Adjusted Other Expenses

63.9 65.0 265.8 251.1

Segment Adjusted Operating Loss (43.6) (41.1) (171.6) (191.2)

Settlement Loss on the U.S. Pension Plan Annuity Purchase — — (103.8) —

Accelerated Charitable Contribution — — (20.0) —

Loss on Legal Settlement — — — (15.3)

Loss Before Income Tax and Net Investment Gains and Losses $ (43.6) $ (41.1) $ (295.4) $ (206.5)

Unum Group Investments

3/31/2026 3/31/2026 12/31/2025

Fixed Maturity Securities (Fair Value) Selected Statistics

Corporate Bonds

$ 27,546.3 82.8 % Earned Book Yield 4.29 % 4.35 %

Municipal Securities

3,000.0 9.0 Average Duration (in years) 8.31 8.42

Foreign Governments

844.9 2.5

Asset-Backed Securities1

586.8 1.8

Mortgage-Backed Securities

770.1 2.3

United States Government and Agencies

544.9 1.6

Redeemable Preferred Stocks

7.8 —

Total $ 33,300.8 100.0 %

3/31/2026

Fixed Maturity Securities (Fair Value)

Public $ 27,240.3 81.8 %

Private2

6,060.5 18.2

Total $ 33,300.8 100.0 %

Amortized Cost Fair Value Private Equity Partnerships 3/31/2026 12/31/2025

Quality Ratings of Fixed Maturity Securities Private Credit Partnerships $ 231.2 $ 255.8

Aaa 3.7 % 3.7 % Private Equity Partnerships 658.7 651.4

Aa 16.9 16.3 Real Asset Partnerships 554.2 549.1

A 32.9 33.3 Total $ 1,444.1 $ 1,456.3

Baa 42.8 42.9

Below Baa 3.7 3.8

Total 100.0 % 100.0 % Non-Current Investments $ — $ —

1Includes credit-tranched securities collateralized by loan obligations, auto loans, and other asset types

2Excludes Rule 144A securities, which are included in Public investments

Unum Group Investments at March 31, 2026

Fixed Maturity Securities - By Industry Classification - Unrealized Gain (Loss)

Classification Fair Value Net Unrealized Gain (Loss) Fair Value with Gross Unrealized Loss Gross Unrealized Loss Fair Value with Gross Unrealized Gain Gross Unrealized Gain

Basic Industry $ 2,146.2 $ (110.2) $ 1,426.2 $ (140.8) $ 720.0 $ 30.6

Capital Goods 2,819.4 (132.6) 1,818.0 (185.3) 1,001.4 52.7

Communications 1,990.3 (86.4) 1,053.4 (156.8) 936.9 70.4

Consumer Cyclical 1,260.5 (96.3) 895.1 (112.7) 365.4 16.4

Consumer Non-Cyclical 5,630.5 (502.4) 4,109.1 (586.9) 1,521.4 84.5

Energy 2,127.7 15.1 805.2 (73.2) 1,322.5 88.3

Financial Institutions 3,655.6 (292.4) 2,992.2 (310.3) 663.4 17.9

Mortgage/Asset-Backed1

1,356.9 (15.0) 800.5 (22.7) 556.4 7.7

Sovereigns 844.9 (144.5) 425.5 (159.4) 419.4 14.9

Technology 1,478.4 (135.3) 1,242.3 (143.9) 236.1 8.6

Transportation 1,440.1 (115.9) 1,033.5 (132.8) 406.6 16.9

U.S. Government Agencies and Municipalities 3,544.9 (417.2) 2,329.8 (492.3) 1,215.1 75.1

Public Utilities 5,005.4 (196.9) 2,716.6 (333.7) 2,288.8 136.8

Total $ 33,300.8 $ (2,230.0) $ 21,647.4 $ (2,850.8) $ 11,653.4 $ 620.8

Gross Unrealized Loss on Fixed Maturity Securities by Length of Time in Unrealized Loss Position

Investment-Grade Below-Investment-Grade

Category Fair Value Gross Unrealized Loss Fair Value Gross Unrealized Loss

Less than 91 days $ 5,084.6 $ (91.5) $ 341.9 $ (7.1)

91 through 180 days 1,090.6 (52.9) 16.3 (1.2)

181 through 270 days 149.4 (12.0) 3.4 (0.4)

271 days to 1 year 27.4 (2.6) — —

Greater than 1 year 14,667.9 (2,625.0) 265.9 (58.1)

Total $ 21,019.9 $ (2,784.0) $ 627.5 $ (66.8)

1Includes credit-tranched securities collateralized by loan obligations, auto loans, and other asset types

14.1

Appendix to Statistical Supplement

2026 Significant Items:

•None.

2025 Significant Items:

•In February 2025, Unum Life Insurance Company of America entered into a master transaction agreement with Fortitude Reinsurance Company Ltd. (Fortitude Re) which resulted in the execution of a coinsurance agreement (reinsurance agreement) during July 2025. This reinsurance agreement reinsures a portion of our Closed Block long-term care business and a portion of our Unum US individual disability business on a coinsurance basis to Fortitude Re effective January 2025. The reinsurance agreement represents approximately 21 percent of total Closed Block long-term care future policy benefits and approximately 15 percent of Unum US individual disability future policy benefits as of December 31, 2024. Upon closing the transaction in July of 2025, we transferred to Fortitude Re $953.5 million million of cash as well as fixed maturity securities with a fair value totaling $3,230.1 million and accrued investment income of $47.1 million. After consideration of the final settlement, the final ceding commission related to this transaction was $442.3 million. Fortitude Re has an A rating by A.M. Best Company and has established a collateralized trust account for the benefit of Unum America to secure its obligations. As a result of this reinsurance agreement, we recognized the following:

•Net realized investment loss totaling $46.8 million during the year ended December 31, 2025.

•Reinsurance recoverable of $3,620.5 million comprised of ceded reserves of $3,315.2 million related to the Closed Block long-term care product line and $305.3 million related to the Unum US individual disability product line.

•Cost of reinsurance of $848.2 million related to the Closed Block long-term care product line and a deferred gain on reinsurance related to the Unum US individual disability product line of $145.9 million

•Write-off of deferred acquisition costs related to the Unum US individual disability product line of $100.3 million which is included as a component of deferred gain on reinsurance.

•Third quarter of 2025 reserve assumption updates resulting in a net reserve increase of $478.5 million before tax, or $377.8 million after tax.

•During the fourth quarter of 2025, we incurred a loss related to an accelerated charitable contribution of $20.0 million before tax, or $15.8 million after tax.

•During the fourth quarter of 2025, we incurred a settlement loss of $103.8 million before tax, or $82.0 million after tax, related to a purchase of an annuity contract which transferred a portion of our U.S. qualified defined benefit pension plan obligation to a third party.

2024 Significant Items:

•Third quarter of 2024 reserve assumption updates resulting in a net reserve decrease of $357.4 million before tax, or $282.6 million after tax.

•During the third quarter of 2024, we incurred a loss of $15.3 million before tax, or $12.1 million after tax, for the settlement of an employment-related matter.

Appendix to Statistical Supplement - Continued

Non-GAAP Financial Measures

•After-tax adjusted operating income or loss, which excludes investment gains or losses, Closed Block segment after-tax adjusted operating income or loss, and reserve assumption updates, as well as certain other items, as applicable;

•After-tax segment adjusted operating income or loss, which excludes investment gains or losses and reserve assumption updates, as well as certain other items, as applicable.

•Leverage ratio, which excludes the unrealized gain or loss on securities, the effect of change in discount rate assumptions on the liability for future policy benefits, and net gain or loss on derivatives;

•Book value per common share, which is calculated excluding accumulated other comprehensive income (loss) (AOCI).

•Segment adjusted operating revenue, which excludes investment gains or losses;

•Segment adjusted operating income or loss, which excludes investment gains or losses and reserve assumption updates, as well as certain other items, as applicable.

Investment gains or losses primarily include realized investment gains or losses, expected investment credit losses, impairment losses, and gains or losses on derivatives. Investment gains or losses and unrealized gains or losses on securities depend on market conditions and do not necessarily relate to decisions regarding the underlying business of our Company. Leverage ratio and book value per common share excluding certain components of AOCI, certain of which tend to fluctuate depending on market conditions and general economic trends, are important measures.

15.1

For a reconciliation of the most directly comparable GAAP measures to these non-GAAP financial measures, refer to the "Reconciliation of Non-GAAP Financial Measures" beginning on page 15.3, other than book value per common share, which is presented on page 2.

15.2

Reconciliation of Non-GAAP Financial Measures

Three Months Ended

Year Ended

March 31 December 31 September 30 June 30 March 31 December 31 December 31

2026 2025 2025 2024

Total Revenue $ 3,355.2 $ 3,244.1 $ 3,378.4 $ 3,361.4 $ 3,091.6 $ 13,075.5 $ 12,887.3

Excluding:

Net Investment Gain (Loss) (5.0) (10.1) 128.0 (17.7) (206.8) (106.6) (34.6)

Segment Adjusted Operating Revenue

$ 3,360.2 $ 3,254.2 $ 3,250.4 $ 3,379.1 $ 3,298.4 $ 13,182.1 $ 12,921.9

Three Months Ended Year Ended

March 31 December 31 September 30 June 30 March 31 December 31 December 31

2026 2025 2025 2024

Income Before Income Tax $ 302.7 $ 218.4 $ 54.5 $ 417.0 $ 243.6 $ 933.5 $ 2,251.3

Excluding:

Net Investment Gain (Loss)

Net Investment Gain (Loss) Related to the Fortitude Re Reinsurance Transaction

— — 137.6 (8.5) (175.9) (46.8) —

Net Investment Loss, Other

(5.0) (10.1) (9.6) (9.2) (30.9) (59.8) (34.6)

Net Investment Gain (Loss) (5.0) (10.1) 128.0 (17.7) (206.8) (106.6) (34.6)

Reserve Assumption Updates

— — (478.5) — — (478.5) 357.4

Settlement Loss on the U.S. Pension Plan Annuity Purchase

— (103.8) — — — (103.8) —

Accelerated Charitable Contribution

— (20.0) — — — (20.0) —

Loss on Legal Settlement

— — — — — — (15.3)

Segment Adjusted Operating Income

$ 307.7 $ 352.3 $ 405.0 $ 434.7 $ 450.4 $ 1,642.4 $ 1,943.8

15.3

Reconciliation of Non-GAAP Financial Measures - Continued

After-Tax Segment Adjusted Operating Income (Loss)

Average Allocated Equity1

Annualized Adjusted Operating Return on Equity

Three Months Ended March 31, 2026

Unum US $ 267.8 $ 4,291.0 25.0 %

Unum International 22.8 837.8 10.9 %

Colonial Life 101.2 2,109.7 19.2 %

Core Operating Segments 391.8 7,238.5 21.7 %

Corporate (39.3) 1,513.9

Closed Block (116.5) 3,589.0

Total $ 236.0 $ 12,341.4

Three Months Ended March 31, 2025

Unum US $ 259.9 $ 4,526.0 23.0 %

Unum International 29.6 769.7 15.4 %

Colonial Life 91.3 1,960.5 18.6 %

Core Operating Segments 380.8 7,256.2 21.0 %

Corporate (32.0) 567.1

Closed Block 3.7 4,954.2

Total $ 352.5 $ 12,777.5

1Excludes unrealized loss on securities, the effect of change in discount rate assumptions on the liability for future policy benefits, and net loss on derivatives and is calculated using the stockholders' equity balances presented on page 15.6. Due to updates to our calculation of after-tax adjusted operating income for which the beginning balance of 2026 for certain stockholders' equity line items were adjusted, we are computing the average allocated equity for 2026 using internally allocated equity that reflects the adjusted beginning balance at January 1, 2026. As a result, average equity for the three months ended March 31, 2026 for certain of our segments will not compute using the historical allocated equity at December 31, 2025.

15.4

Reconciliation of Non-GAAP Financial Measures - Continued

After-Tax Segment Adjusted Operating Income (Loss)

Average Allocated Equity1

Adjusted Operating Return on Equity

Year Ended December 31, 2025

Unum US $ 1,011.5 $ 4,441.2 22.8 %

Unum International 118.5 799.0 14.8 %

Colonial Life 365.8 2,011.0 18.2 %

Core Operating Segments 1,495.8 7,251.2 20.6 %

Corporate (124.2) 555.2

Closed Block (74.0) 4,830.0

Consolidated $ 1,297.6 $ 12,636.4

Year Ended December 31, 2024

Unum US $ 1,137.6 $ 4,523.2 25.2 %

Unum International 120.9 776.8 15.6 %

Colonial Life 368.2 1,869.2 19.7 %

Core Operating Segments 1,626.7 7,169.2 22.7 %

Corporate (137.1) 53.8

Closed Block 46.0 5,324.1

Consolidated $ 1,535.6 $ 12,547.1

15.5

Three Months Ended March 31

Year Ended December 31

2026 2025 2025

2024

(in millions) (in millions)

Net Income $ 232.0 $ 189.1 $ 738.5 $ 1,779.1

Excluding:

Net Investment Loss

Net Investment Loss Related to Fortitude Re Reinsurance Transaction (net of tax benefit of $—; $36.9; $9.9; $—)

— (139.0) (36.9) —

Net Investment Loss, Other (net of tax benefit of $1.0; $6.5; $13.2; $7.6)

(4.0) (24.4) (46.6) (27.0)

Total Net Investment Loss

(4.0) (163.4) (83.5) (27.0)

Reserve Assumption Updates (net of tax expense (benefit) of $—; $—; $(100.7); $74.8)

— — (377.8) 282.6

Settlement Loss on the U.S. Pension Plan Annuity Purchase (net of tax benefit of $—; $—; $21.8; $—)

— — (82.0) —

Accelerated Charitable Contribution (net of tax benefit of $—; $—; $4.2; $—)

— — (15.8) —

Loss on Legal Settlement (net tax benefit of $—; $—; $—; $3.2)

— — — (12.1)

After-tax Segment Adjusted Operating Income

$ 236.0 $ 352.5 $ 1,297.6 $ 1,535.6

Average allocated equity is computed as follows:

3/31/2026 12/31/2025 3/31/2025 12/31/2024 12/31/2023

Total Stockholders' Equity $ 10,892.4 $ 11,119.1 $ 11,214.0 $ 10,961.1 $ 9,651.4

Excluding:

Net Unrealized Loss on Securities

(2,432.3) (2,003.1) (2,333.2) (2,755.2) (1,919.1)

Effect of Change in Discount Rate Assumptions on the Liability for Future Policy Benefits 1,395.1 929.9 1,019.1 1,185.4 (648.4)

Net Unrealized Loss on Derivatives

(282.1) (278.8) (225.2) (270.7) (73.7)

Total Adjusted Stockholders' Equity $ 12,211.7 $ 12,471.1 $ 12,753.3 $ 12,801.6 $ 12,292.6

Three Months Ended Twelve Months Ended Three Months Ended Twelve Months Ended

3/31/2026 12/31/2025 3/31/2025 12/31/2024

Average Adjusted Stockholders' Equity $ 12,341.4 $ 12,636.4 $ 12,777.5 $ 12,547.1

15.6

Reconciliation of Non-GAAP Financial Measures - Continued

Three Months Ended March 31

2026 2025

(in millions) per share* (in millions) per share*

Net Income $ 232.0 $ 1.41 $ 189.1 $ 1.06

Excluding:

Net Investment Loss

Net Investment Loss Related to the Fortitude Re Reinsurance Transaction (net of tax benefit of $—; $36.9)

— — (139.0) (0.78)

Net Investment Loss, Other (net of tax benefit of $1.0; $6.5)

(4.0) (0.03) (24.4) (0.13)

Total Net Investment Loss

(4.0) (0.03) (163.4) (0.91)

Closed Block Segment After-Tax Adjusted Operating Income (Loss) (net of tax expense (benefit) of $(28.8); $4.3)

(116.5) (0.70) 3.7 0.02

After-tax Adjusted Operating Income $ 352.5 $ 2.14 $ 348.8 $ 1.95

*Assuming Dilution.

15.7

Reconciliation of Non-GAAP Financial Measures - Continued

Year Ended December 31

2025 2024

(in millions) per share * (in millions) per share *

Net Income $ 738.5 $ 4.27 $ 1,779.1 $ 9.46

Excluding:

Net Investment Losses

Net Investment Loss Related to Reinsurance Transaction (net of tax benefit of $9.9; $—)

(36.9) (0.21) — —

Net Investment Loss, Other (net of tax benefit of $13.2; $7.6)

(46.6) (0.28) (27.0) (0.14)

Total Net Investment Loss

(83.5) (0.49) (27.0) (0.14)

Closed Block Segment After-tax Adjusted Operating Income (Loss) (net of tax expense (benefit) of $(7.8); $25.3)

(74.0) (0.43) 46.0 0.24

Reserve Assumption Updates (net of tax expense (benefit) of $(100.7); $74.8)

(377.8) (2.18) 282.6 1.50

Settlement Loss on the U.S. Pension Plan Annuity Purchase (net of tax benefit of $21.8; $—)

(82.0) (0.47) — —

Accelerated Charitable Contribution (net of tax benefit of $4.2; $—)

(15.8) (0.09) — —

Loss on Legal Settlement (net tax benefit of $—; $3.2)

— — (12.1) (0.06)

After-tax Adjusted Operating Income $ 1,371.6 $ 7.93 $ 1,489.6 $ 7.92

*Assuming Dilution.

15.8

Reconciliation of Non-GAAP Financial Measures - Continued

March 31 December 31

2026 2025 2025 2024

Debt $ 3,762.0 $ 3,741.6 $ 3,767.6 $ 3,739.8

Including:

Lease Liability 74.7 68.3 78.9 69.4

Adjusted Debt and Lease Liability $ 3,836.7 $ 3,809.9 $ 3,846.5 $ 3,809.2

Total Stockholders' Equity $ 10,892.4 $ 11,214.0 $ 11,119.1 $ 10,961.1

Excluding:

Net Unrealized Loss on Securities (2,432.3) (2,333.2) (2,003.1) (2,755.2)

Effect of Change in Discount Rate Assumptions on the Liability for Future Policy Benefits 1,395.1 1,019.1 929.9 1,185.4

Net Loss on Derivatives

(282.1) (225.2) (278.8) (270.7)

Equity, As Adjusted 12,211.7 12,753.3 12,471.1 12,801.6

Debt, As Adjusted and Lease Liability 3,836.7 3,809.9 3,846.5 3,809.2

Total Adjusted Capital $ 16,048.4 $ 16,563.2 $ 16,317.6 $ 16,610.8

Leverage Ratio 23.9 % 23.0 % 23.6 % 22.9 %

March 31, 2026 March 31, 2025

Premium Income

Premium Income in Local Currency1

Weighted Average Premium Income Exchange Rate2

Premium Income in Constant Currency

Unum International

Unum UK $ 232.1 £ 161.5 1.349 $ 217.9

Unum Poland 54.6 zł 171.2 0.277 47.4

Total 286.7 265.3

Unum US 1,840.5 $ 1,780.9 1,780.9

Colonial Life 472.7 $ 457.3 457.3

Core Operations $ 2,599.9 $ 2,503.5

1Premium income shown in millions of pounds for Unum UK, millions of zlotys for Unum Poland, and millions of U.S. dollars for Unum US and Colonial Life.

2Exchange rate is calculated using the average foreign currency exchange rates for the most recent period, applied to the comparable prior period.

15.9

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Apr. 28, 2026

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