ADDED
As of February 13, 2026, there were 163,753,818 shares of the registrant's common stock outstanding.
Management's Discussion and Analysis of Financial Condition and Results of Operations 37 Item 7A.
The ability of our reinsurers to meet their obligations to us and availability of reinsurance in the market.
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.
We have three core operating segments: Unum US, Unum International, and Colonial Life.
Working people and their families, particularly those at lower and middle incomes, are perhaps the most vulnerable to economic volatility yet are often overlooked by many providers of financial products and services.
We continue to analyze and employ strategies we believe will help us navigate a variety of environments, allowing us to maintain financial flexibility to support the needs of our businesses and return capital to our shareholders.
Our business has also proven resilient during less favorable environments, given the essential nature of our products and services, and our effective operating position.
3 T able of Contents Reportable Segments Our reportable segments are comprised of the following: Unum US, Unum International, Colonial Life, Closed Block, and Corporate.
The percentage of Unum US segment premium income generated by each product line during 2025 is as follows: Group Disability 44.4 % Group Life and Accidental Death Dismemberment 29.2 Voluntary Benefits 13.1 Individual Disability 8.7 Dental and Vision 4.6 Total 100.0 % Group Long-term and Short-term Disability We sell group long-term and short-term disability products to employers for the benefit of employees.
REMOVED
As of February 25, 2025, there were 176,777,741 shares of the registrant's common stock outstanding.
Management's Discussion and Analysis of Financial Condition and Results of Operations 38 Item 7A.
Availability of reinsurance in the market and the ability of our reinsurers to meet their obligations to us.
Damage to our reputation due to, among other factors, regulatory investigations, legal proceedings, external events, and/or inadequate or failed internal controls and procedures.
We have three principal operating segments: Unum US, Unum International, and Colonial Life.
Working people and their families, particularly those at lower and middle incomes, are perhaps the most vulnerable in today's economy yet are often overlooked by many providers of financial products and services.
We continue to analyze and employ strategies we believe will help us navigate the current environment and allow us to maintain financial flexibility to support the needs of our businesses while also allowing us to return capital to our shareholders.
As we have seen in the current environment, we have substantial leverage to inflation and strong labor markets which generate wage and payroll growth.
To the extent that our own costs increase as a result of wage inflation, we have the ability to adjust our prices on new and renewing business to reflect these higher costs.
The percentage of Unum US segment premium income generated by each product line during 2024 is as follows: Group Disability 46.1 % Group Life and Accidental Death Dismemberment 28.6 Voluntary Benefits 12.8 Individual Disability 8.2 Dental and Vision 4.3 Total 100.0 % Group Long-term and Short-term Disability We sell group long-term and short-term disability products to employers for the benefit of employees.