Unum Group (UNM) FY2025 results: revenue $13.1 billion, up 1.5% on the year

Unum Group sells financial protection benefits, mainly through the workplace, in the United States, the United Kingdom and Poland, and to a limited extent in other countries. Its products include disability, life, accident, critical illness, dental and vision insurance and related services, sold to employers for their employees on both group and individual bases. Its main U.S. operating subsidiaries are Unum Life Insurance Company of America, Provident Life and Accident Insurance Company, The Paul Revere Life Insurance Company, Colonial Life & Accident Insurance Company, Unum Insurance Company and Starmount Life Insurance Company, with Unum Limited in the U.K. and Unum Zycie TUiR S.A. in Poland. It is a Delaware corporation with three core operating segments, Unum US, Unum International and Colonial Life, plus Closed Block and Corporate segments.

Unum US

Unum US sells group long-term and short-term disability, group life and accidental death and dismemberment, voluntary benefits, individual disability, and dental and vision products. Group long-term disability replaces part of an employee's income during an extended absence for sickness or injury, with most policies paying after a 90 or 180 day waiting period, and the company also offers rehabilitation and return-to-work services. It also provides fee-based leave management and administrative services only work for self-insured employers. Its products are sold by its field sales staff working with independent brokers and consultants, to employee groups with fewer than 2,000 employees, to large groups and in the supplemental and voluntary market.

Unum International

Unum UK sells group long-term disability, group life, dental, individual disability and critical illness insurance, and Unum Poland sells individual and group life insurance with accident and health riders. Both sell mainly through field sales staff and independent brokers and consultants.

Colonial Life

Colonial Life sells accident, sickness and disability, life, and cancer and critical illness products to employees at the workplace, on group and individual bases, through an independent contractor agent sales force and brokers. It focuses on public sector and commercial accounts, especially those with fewer than 1,000 employees.

Closed Block

The Closed Block holds group and individual long-term care and other insurance products the company no longer actively markets. It stopped offering individual long-term care in 2009 and group long-term care in 2012, ceded a portion of the long-term care line to Fortitude Reinsurance Company in a transaction closed in July 2025, and as of February 2026 stopped new enrollments on existing group long-term care policies.

Competition

The filing describes significant competition among insurers for its products, from traditional and non-traditional competitors. It names the main factors as customer service and claims management, integrated product choices, enrollment capabilities, links to third-party platforms and human capital management systems, and price. Its principal competitors include the largest employee benefit insurers and regional specialty companies, and in the U.K. and Poland it competes with large international providers and local carriers.

People

At December 31, 2025 it had 10,910 employees, approximately 10,684 of them full-time, with approximately 84 percent in the United States.

From Unum Group's annual report on Form 10-K for the year ended 31 December 2025. The filing

Written from the 10-K filed 17 February 2026: read the full 10-K.