Unum Group’s Q3 2025 results were characterized by a severe net income collapse, largely due to adverse actuarial assumption updates, despite robust strategic transaction execution and continued capital returns.
Financial Performance & Profitability Q3 GAAP Net Income plummeted to \(39.7 million (\)0.23 EPS) from \(645.7 million in Q3 2024. The primary driver was a \)478.5 million pre-tax net reserve increase due to annual assumption updates, primarily in Closed Block Long-Term Care (LTC), contrasting sharply with a positive $357.4 million impact in Q3 2024. Adjusted Operating Income (AOI), w
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