UNM.03.31.2015 8-K Cover

0000005513-15-000018.txt : 20150429 0000005513-15-000018.hdr.sgml : 20150429 20150429162119 ACCESSION NUMBER: 0000005513-15-000018 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 5 CONFORMED PERIOD OF REPORT: 20150429 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20150429 DATE AS OF CHANGE: 20150429 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Unum Group CENTRAL INDEX KEY: 0000005513 STANDARD INDUSTRIAL CLASSIFICATION: ACCIDENT & HEALTH INSURANCE [6321] IRS NUMBER: 621598430 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-11294 FILM NUMBER: 15813038 BUSINESS ADDRESS: STREET 1: 1 FOUNTAIN SQUARE CITY: CHATTANOOGA STATE: TN ZIP: 37402 BUSINESS PHONE: 423-294-1011 MAIL ADDRESS: STREET 1: 1 FOUNTAIN SQUARE CITY: CHATTANOOGA STATE: TN ZIP: 37402 FORMER COMPANY: FORMER CONFORMED NAME: UNUMPROVIDENT CORP DATE OF NAME CHANGE: 19990702 FORMER COMPANY: FORMER CONFORMED NAME: PROVIDENT COMPANIES INC /DE/ DATE OF NAME CHANGE: 19961204 FORMER COMPANY: FORMER CONFORMED NAME: PROVIDENT LIFE & ACCIDENT INSURANCE CO OF AMERICA DATE OF NAME CHANGE: 19950407 8-K 1 unm033120158-kcover.htm 8-K UNM.03.31.2015 8-K Cover

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 29, 2015


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):



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

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

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

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


Item 2.02	Results of Operations and Financial Condition.

On April 29, 2015, Unum Group issued a news release reporting its results for the first quarter of 2015, a copy of which is furnished herewith as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.

Also on April 29, 2015, Unum Group posted on its website at www.unum.com the Statistical Supplement relating to its financial results for the first quarter of 2015. 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 Unum Group'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.	The following exhibits are furnished (but not filed) with this report:

99.1	News release of Unum Group dated April 29, 2015, concerning earnings for the first quarter of 2015.

99.2	Statistical Supplement of Unum Group for the first quarter of 2015.

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)


April 29, 2015	By:	/s/ Susan N. Roth
		Name:	Susan N. Roth
		Title:	Vice President, Transactions, SEC
			and Corporate Secretary

INDEX TO EXHIBITS



Exhibit No.	Description

99.1	News release of Unum Group dated April 29, 2015, concerning earnings for the first quarter of 2015.

99.2	Statistical Supplement of Unum Group for the first quarter of 2015.

EX-99.1 2 unm03312015exhibit991.htm EXHIBIT 99.1 UNM.03.31.2015 Exhibit 99.1



		Exhibit 99.1
		1 Fountain Square
		Chattanooga, TN 37402
		www.unum.com



	FOR IMMEDIATE RELEASE

news	Contacts
	INVESTORS	Tom White	423 294 8996
		Matt Barnett	423 294 7498

	MEDIA	Jim Sabourin	423 294 6300

Unum Group Reports First Quarter 2015 Results

CHATTANOOGA, Tenn. (April 29, 2015) - Unum Group (NYSE: UNM) today reported net income of $212.9 million ($0.84 per diluted common share) for the first quarter of 2015, compared to net income of $225.8 million ($0.86 per diluted common share) for the first quarter of 2014.

After-tax operating income, which excludes after-tax realized investment gains and losses on the Company’s investment portfolio and the amortization of prior period actuarial losses on the Company’s pension plans, was $224.8 million ($0.89 per diluted common share) in the first quarter of 2015, compared to $222.6 million ($0.85 per diluted common share) in the first quarter of 2014. The combined impact of realized investment gains and losses and the amortization of prior period actuarial losses resulted in a net after-tax loss of $11.9 million ($0.05 per diluted common share) for the first quarter of 2015, compared to a net after-tax gain of $3.2 million ($0.01 per diluted common share) in the first quarter of 2014.

“We are off to a very solid start in 2015, with many of the favorable growth and profitability trends we experienced in 2014 carrying over into this year. This includes strong growth in sales and premium income, in addition to generally stable risk performance across our core business segments and the closed block. While today’s low interest rates continue to create challenges for us and our industry, we remain confident that we are taking the actions needed to successfully operate in this environment,” said Thomas R. Watjen, chief executive officer. “I am also very pleased with the progress we have made in implementing the leadership changes we announced earlier in the year. We planned well for the transition of my responsibilities to my successor Rick McKenney, and the Board and I have great confidence in our leadership team’s ability to maintain the momentum we have worked so hard to achieve.”

Effective January 1, 2015, the Company adopted an accounting standards update for tax credit partnership investments in qualified affordable housing projects (ASU 2014-01) and applied the amendments retrospectively, adjusting all prior periods presented in this release, as applicable.



UNUM IS A REGISTERED TRADEMARK AND MARKETING BRAND OF UNUM GROUP AND ITS INSURING SUBSIDIARIES.

RESULTS BY SEGMENT

Unum US Segment

Unum US reported operating income of $214.3 million in the first quarter of 2015, an increase of 3.3 percent from $207.5 million in the first quarter of 2014. Premium income for the segment increased 6.7 percent to $1,230.2 million in the first quarter of 2015, compared to premium income of $1,152.5 million in the first quarter of 2014. Net investment income for the segment declined 3.6 percent to $215.0 million in the first quarter of 2015 from $223.1 million in the first quarter of 2014, primarily reflecting lower yields on invested assets and lower miscellaneous net investment income.

Within the Unum US operating segment, the group disability line of business reported a 9.9 percent increase in operating income, with $74.3 million in the first quarter of 2015 compared to $67.6 million in the first quarter of 2014. Premium income in group disability increased 6.2 percent to $553.0 million in the first quarter of 2015, compared to $520.8 million in the first quarter of 2014, primarily due to favorable persistency, premium rate increases, and sales growth. Net investment income declined by 4.9 percent to $125.0 million in the first quarter of 2015, compared to $131.5 million in the first quarter of 2014, primarily due to a decrease in the level of invested assets supporting this line of business, a decline in yields, and lower miscellaneous investment income. The benefit ratio for the first quarter of 2015 was 80.1 percent, compared to 83.0 percent in the first quarter of 2014, reflecting very favorable claim recovery experience and lower new claim incidence levels, partially offset by the 50 basis point decrease in the discount rate implemented in the fourth quarter of 2014 for group long-term disability new claim incurrals. Group long-term disability sales increased 14.1 percent to $37.3 million in the first quarter of 2015, compared to $32.7 million in the first quarter of 2014. Group short-term disability sales increased 21.2 percent to $24.0 million in the first quarter of 2015, compared to $19.8 million in the first quarter of 2014. Persistency in the group long-term disability line of business improved to 91.0 percent through the first quarter of 2015, compared to 88.9 percent through the first quarter of 2014. Persistency in the group short-term disability line of business was 86.5 percent through the first quarter of 2015, compared to 88.1 percent for the same period of 2014.

The group life and accidental death and dismemberment line of business reported operating income of $57.9 million in the first quarter of 2015, a decline of 1.4 percent from $58.7 million in the first quarter of 2014, reflecting slightly unfavorable risk experience which offset an increase in premium income. Premium income for this line of business increased 8.0 percent to $367.6 million in the first quarter of 2015, compared to $340.5 million in the first quarter of 2014, primarily due to sales growth which was only partially offset by a decline in persistency. Net investment income declined 1.8 percent to $33.5 million in the first quarter of 2015, compared to $34.1 million in the first quarter of 2014, due to a decrease in yield on invested assets and lower miscellaneous investment income, partially offset by an increase in the level of invested assets. The benefit ratio in the first quarter of 2015 was 70.9 percent, compared to 70.3 percent in the first quarter of 2014, reflecting unfavorable experience in the accidental death and dismemberment line of business. Sales of group life and accidental death and dismemberment products increased 3.9 percent in the first quarter of 2015 to $42.9



UNUM IS A REGISTERED TRADEMARK AND MARKETING BRAND OF UNUM GROUP AND ITS INSURING SUBSIDIARIES.		2

million, compared to $41.3 million in the first quarter of 2014. Persistency in the group life line of business was 87.3 percent in the first quarter of 2015, compared to 89.5 percent for the same period of 2014.

The supplemental and voluntary line of business reported a slight increase in operating income to $82.1 million in the first quarter of 2015, compared to $81.2 million in the first quarter of 2014. Premium income for supplemental and voluntary increased 6.3 percent to $309.6 million in the first quarter of 2015, compared to $291.2 million in the first quarter of 2014. Net investment income declined slightly to $56.5 million in the first quarter of 2015, compared to $57.5 million in the first quarter of 2014, due to a decrease in yield on invested assets and lower miscellaneous investment income, partially offset by an increase in the level of invested assets. The interest adjusted loss ratio for the individual disability product line in the first quarter of 2015 was 27.5 percent compared to 27.2 percent in the first quarter of 2014, reflecting stable claim incidence rates and claim recoveries. The benefit ratio for voluntary benefits was 40.9 percent in the first quarter of 2015, compared to 46.1 percent in the first quarter of 2014, due primarily to favorable claim experience in the disability, accident, and critical illness lines of business and a favorable change in active life reserves resulting from a higher level of policy terminations, which is largely offset by higher amortization of the related deferred acquisition costs. Relative to the first quarter of 2014, sales in the voluntary benefits line of business increased 27.7 percent in the first quarter of 2015 to $131.9 million. Sales in the individual disability line of business declined 15.8 percent in the first quarter of 2015 to $12.3 million. Persistency in the individual disability product line was 90.1 percent in the first quarter of 2015, compared to 90.6 percent for the same period of 2014. Persistency in the voluntary benefits product line was 75.5 percent in the first quarter of 2015, compared to 78.0 percent through the first quarter of 2014.

Unum UK Segment

Unum UK reported operating income of $32.6 million in the first quarter of 2015, a decline of 10.7 percent from $36.5 million in the first quarter of 2014. In local currency, operating income declined by 2.3 percent to £21.5 million in the first quarter of 2015, compared to £22.0 million in the first quarter of 2014.

Premium income declined 8.4 percent to $139.0 million in the first quarter of 2015, compared to $151.7 million in the first quarter of 2014. In local currency, premium income was £91.7 million in the first quarter of 2015, compared to £91.6 million in the first quarter of 2014. Net investment income in local currency declined to £15.4 million in the first quarter of 2015, compared to £20.3 million in the first quarter of 2014, due primarily to lower income from inflation index-linked bonds which support the claim reserves associated with certain of our group policies that provide for inflation-linked increases in benefits. The decrease in net investment income attributable to these index-linked bonds was partially offset by a decrease in reserves for future claim payments related to the inflation index-linked group policies. The benefit ratio in the first quarter of 2015 was 65.3 percent, compared to 70.2 percent in the first quarter of 2014, resulting from favorable risk experience in the group life line and the impact of lower inflation on claim payments and reserves associated with polices containing an inflation-linked benefit increase feature.



UNUM IS A REGISTERED TRADEMARK AND MARKETING BRAND OF UNUM GROUP AND ITS INSURING SUBSIDIARIES.		3

Persistency in the group long-term disability line of business was 86.6 percent in the first quarter of 2015, compared to 86.3 percent in the first quarter of 2014. Persistency in the group life line of business improved to 79.3 percent in the first quarter of 2015, compared to 69.7 percent in the first quarter of 2014. Sales declined 3.5 percent to $16.7 million in the first quarter of 2015, compared to $17.3 million in the first quarter of 2014. In local currency, sales for the first quarter of 2015 increased 5.8 percent to £11.0 million, compared to £10.4 million in the first quarter of 2014.

Colonial Life Segment

Colonial Life reported a 1.9 percent decline in operating income to $77.6 million in the first quarter of 2015, compared to $79.1 million in the first quarter of 2014.

Premium income for the first quarter of 2015 increased 5.0 percent to $332.2 million, compared to $316.4 million in the first quarter of 2014, driven by sales growth and favorable persistency. The benefit ratio in the first quarter of 2015 was 51.3 percent, compared to 50.5 percent in the first quarter of 2014, primarily reflecting a less favorable benefit ratio in the life product line.

Sales increased 7.6 percent to $77.5 million in the first quarter of 2015 from $72.0 million in the first quarter of 2014, with favorable sales trends in both the core commercial and public sector market segments.

Closed Block Segment

The Closed Block segment reported operating income of $26.7 million in the first quarter of 2015, compared to $28.3 million in the first quarter of 2014.

Premium income for this segment declined 4.1 percent in the first quarter of 2015 compared to the first quarter of 2014, primarily due to expected policy terminations and maturities for the individual disability line of business partially offset by an increase in premium income for the long-term care line of business due primarily to rate increases. The interest adjusted loss ratio for the individual disability line of business was 80.0 percent in the first quarter of 2015, compared to 81.5 percent in the first quarter of 2014, due primarily to favorable mortality experience. The interest adjusted loss ratio for the long-term care line of business was 87.3 percent in the first quarter of 2015 compared to 84.7 percent in the first quarter of 2014, reflecting a higher level of submitted claims relative to the favorable experience of last year’s first quarter.

Corporate Segment

The Corporate segment reported an operating loss of $29.9 million for the first quarter of 2015 compared to an operating loss of $26.5 million in the first quarter of 2014, primarily reflecting lower levels of invested assets and higher operating expense accruals.



UNUM IS A REGISTERED TRADEMARK AND MARKETING BRAND OF UNUM GROUP AND ITS INSURING SUBSIDIARIES.		4

OTHER INFORMATION

Shares Outstanding

The Company’s average number of shares outstanding, assuming dilution, was 252.2 million for the first quarter of 2015, compared to 260.7 million for the first quarter of 2014. Shares outstanding totaled 249.5 million at March 31, 2015. During the first quarter of 2015, the Company repurchased 3.2 million shares at a cost of approximately $108 million.

Capital Management

At March 31, 2015, the weighted average risk-based capital ratio for the Company’s traditional U.S. insurance companies was approximately 400 percent, and cash and marketable securities in the holding companies equaled $426 million.

Book Value

Book value per common share as of March 31, 2015 was $34.82, compared to $34.68 at March 31, 2014.

Outlook

The Company anticipates growth in after-tax operating earnings per share for full-year 2015 to be in the outlook range announced in December 2014 of two percent to five percent.

NON-GAAP FINANCIAL MEASURES

We analyze our performance using non-GAAP financial measures. A non-GAAP financial measure is a numerical measure of a company's performance, financial position, or cash flows that excludes or includes amounts that are not normally excluded or included in the most directly comparable measure calculated and presented in accordance with GAAP. The non-GAAP financial measures of "operating revenue," "before-tax operating income" or "before-tax operating loss," and "after-tax operating income" differ from total revenue, income before income tax, and net income as presented in our consolidated operating results and in income statements prepared in accordance with GAAP due to the exclusion of net realized investment gains and losses and non-operating retirement-related gains or losses as specified in the reconciliations in the Financial Highlights section below. We believe operating revenue and operating income or loss are better performance measures and better indicators of the revenue and profitability and underlying trends in our business.

Realized investment gains or losses depend on market conditions and do not necessarily relate to decisions regarding the underlying business of our segments. Our investment focus is on investment income to support our insurance liabilities as opposed to the generation of realized investment gains or losses. Although we may experience realized investment gains or losses which will affect future earnings levels, a long-term focus is necessary to maintain profitability over the life of the business since our underlying business is long-term in nature, and we need to earn the interest rates assumed in calculating our liabilities.

The amortization of prior period actuarial gains or losses, a component of the net periodic benefit cost for our pensions and other postretirement benefit plans, is driven by market performance as well as plan amendments and is not indicative of the operational results of our businesses. We believe that excluding the amortization of prior period gains or losses from operating income or loss provides investors with additional information for comparison and analysis of our operating results. Although we manage our non-operating retirement-related gains or losses separately from the operational performance of our business,



UNUM IS A REGISTERED TRADEMARK AND MARKETING BRAND OF UNUM GROUP AND ITS INSURING SUBSIDIARIES.		5

these gains or losses impact the overall profitability of our company and have historically increased or decreased over time, depending on plan amendments and market conditions and the resulting impact on the actuarial gains or losses in our pensions and other postretirement benefit plans.

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 Thursday, April 30, at 9:00 A.M. (Eastern Time) to discuss the results of operations for the first quarter. Topics may include forward-looking information such as the Company’s outlook on future results, trends in operations, and other material information.

The dial-in number for the conference call is (800) 930-7616 for U.S. and Canada (pass code 6255072). For international, the dial-in number is (913) 312-1396 (pass code 6255072). 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. The Company will maintain a replay of the call on its website through Thursday, May 7. A replay of the call will also be available by dialing (888) 203-1112 (U.S. and Canada) or (719) 457-0820 (International) - pass code 6255072.

In conjunction with today’s earnings announcement, the Company’s Statistical Supplement for the first quarter of 2015 is available on the “Investors” section of the Company’s website.

ABOUT UNUM GROUP

Unum (www.unum.com) is one of the leading providers of employee benefits products and services and the largest provider of disability insurance products in the United States and the United Kingdom.

SAFE HARBOR STATEMENT

Certain information in this press 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 growth in after-tax 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) sustained periods of low interest rates; (2) fluctuation in insurance reserve liabilities and claim payments 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 government programs; (3) unfavorable economic or business conditions, both domestic and foreign; (4) legislative, regulatory, or tax changes, both domestic and foreign, including the effect of potential legislation and increased regulation in



UNUM IS A REGISTERED TRADEMARK AND MARKETING BRAND OF UNUM GROUP AND ITS INSURING SUBSIDIARIES.		6

the current political environment; (5) 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; (6) the failure of cyber or other information security systems, as well as the occurrence of events unanticipated in our disaster recovery systems; (7) increased competition from other insurers and financial services companies due to industry consolidation, new entrants to our markets, or other factors; (8) changes in our financial strength and credit ratings; (9) damage to our reputation due to, among other factors, regulatory investigations, legal proceedings, external events, and/or inadequate or failed internal controls and procedures; (10) actual experience that deviates from our assumptions used in pricing, underwriting, and reserving; (11) actual persistency and/or sales growth that is higher or lower than projected; (12) changes in demand for our products due to, among other factors, changes in societal attitudes, the rate of unemployment, consumer confidence, and/or legislative and regulatory changes, including healthcare reform; (13) effectiveness of our risk management program; (14) contingencies and the level and results of litigation; (15) availability of reinsurance in the market and the ability of our reinsurers to meet their obligations to us; (16) ineffectiveness of our derivatives hedging programs due to changes in the economic environment, counterparty risk, ratings downgrades, capital market volatility, changes in interest rates, and/or regulation; (17) changes in accounting standards, practices, or policies; (18) fluctuation in foreign currency exchange rates; (19) ability to generate sufficient internal liquidity and/or obtain external financing; (20) recoverability and/or realization of the carrying value of our intangible assets, long-lived assets, and deferred tax assets; and (21) terrorism, both within the U.S. and abroad, ongoing military actions, and heightened security measures in response to these types of threats.

For further discussion about risks and uncertainties which could cause actual results to differ from those contained in the forward-looking statements, see Part I, Item 1A of our annual report on Form 10-K for the year ended December 31, 2014. The forward-looking statements in this press release are being made as of the date of this press release, and the Company expressly disclaims any obligation to update or revise any forward-looking statement contained herein, even if made available on our website or otherwise.

###



UNUM IS A REGISTERED TRADEMARK AND MARKETING BRAND OF UNUM GROUP AND ITS INSURING SUBSIDIARIES.		7

Unum Group

FINANCIAL HIGHLIGHTS

(Unaudited)



($ in millions, except share data)
	Three Months Ended March 31
	2015			2014
Operating Revenue	$	2,662.7		$	2,608.1
Net Realized Investment Gain (Loss)	(15.3		)	6.3
Total Revenue	$	2,647.4		$	2,614.4

Operating Income	$	321.3		$	324.9
Net Realized Investment Gain (Loss)	(15.3		)	6.3
Non-operating Retirement-related Loss	(3.0		)	(1.4		)
Income Tax	(90.1		)	(104.0		)
Net Income	$	212.9		$	225.8

PER SHARE INFORMATION

Net Income Per Common Share
Basic	$	0.85		$	0.87
Assuming Dilution	$	0.84		$	0.86

Weighted Average Common Shares - Basic (000s)	251,467.4			259,408.5
Weighted Average Common Shares - Assuming Dilution (000s)	252,234.9			260,709.9
Outstanding Shares - (000s)	249,481.6			257,561.8

Reconciliation of Non-GAAP Financial Measures



	Three Months Ended March 31
	2015						2014
				per share *						per share *
After-tax Operating Income	$	224.8		$	0.89		$	222.6		$	0.85
Net Realized Investment Gain (Loss), Net of Tax	(10.0		)	(0.04		)	4.1			0.01
Non-operating Retirement-related Loss, Net of Tax	(1.9		)	(0.01		)	(0.9		)	—
Net Income	$	212.9		$	0.84		$	225.8		$	0.86

* Assuming Dilution



	March 31
	2015						2014
				per share						per share
Total Stockholders' Equity (Book Value)	$	8,687.9		$	34.82		$	8,933.4		$	34.68
Net Unrealized Gain on Securities	414.3			1.66			325.3			1.26
Net Gain on Cash Flow Hedges	411.9			1.65			398.0			1.55
Subtotal	7,861.7			31.51			8,210.1			31.87
Foreign Currency Translation Adjustment	(167.4		)	(0.67		)	(39.5		)	(0.16		)
Subtotal	8,029.1			32.18			8,249.6			32.03
Unrecognized Pension and Postretirement Benefit Costs	(398.4		)	(1.60		)	(229.4		)	(0.89		)
Total Stockholders' Equity, Excluding Accumulated Other Comprehensive Income	$	8,427.5		$	33.78		$	8,479.0		$	32.92



UNUM IS A REGISTERED TRADEMARK AND MARKETING BRAND OF UNUM GROUP AND ITS INSURING SUBSIDIARIES.		8

EX-99.2 3 unm03312015exhibit992.htm EXHIBIT 99.2 UNM.03.31.2015 Exhibit 99.2

Unum Group

Statistical Supplement First Quarter 2015

TABLE OF CONTENTS

(Dollars in millions, except share data and where noted)

Interim Results are Unaudited



		Page
	Financial Highlights	1
	Capital Metrics	2
	Ratings	3
	Consolidated Statements of Income	4
	Sales Data by Segment	5
	Consolidated Balance Sheets	6
	Financial Results by Segment	7
	Quarterly Historical Financial Results by Segment	8
	Financial Results and Selected Statistics by Segment
	Unum US	9
	Unum UK	10
	Colonial Life	11
	Closed Block	12
	Corporate	13
	Reserves	14
	Investments	15
	Appendix to Statistical Supplement	16

See "Appendix to Statistical Supplement" on page 16 for a summary of significant items and a reconciliation of our non-GAAP financial measures.

N.M. = not a meaningful percentage

Unum Group Financial Highlights



	Three Months Ended						Year Ended
	3/31/2015			3/31/2014			12/31/2014			12/31/2013
				As Adjusted			As Adjusted
Consolidated U.S. GAAP Results¹

Premium Income	$	2,006.3		$	1,938.5		$	7,797.2		$	7,624.7

Operating Revenue	$	2,662.7		$	2,608.1		$	10,508.4		$	10,361.8
Net Realized Investment Gain (Loss)	(15.3		)	6.3			16.1			6.8

Revenue	$	2,647.4		$	2,614.4		$	10,524.5		$	10,368.6

Net Income	$	212.9		$	225.8		$	402.1		$	847.0
Net Income Per Share:
Basic	$	0.85		$	0.87		$	1.57		$	3.20
Assuming Dilution	$	0.84		$	0.86		$	1.57		$	3.19

Operating Return on Equity
Unum US	13.5		%	13.2		%	13.3		%	13.4		%
Unum UK	16.1		%	18.1		%	18.3		%	14.0		%
Colonial Life	16.9		%	18.0		%	16.7		%	16.4		%
Core Operating Segments	14.4		%	14.6		%	14.5		%	14.1		%
Consolidated	11.5		%	10.9		%	11.3		%	11.3		%

Assets	$	63,014.5		$	61,044.4		$	62,450.2		$	59,374.1
Stockholders' Equity	$	8,687.9		$	8,933.4		$	8,521.9		$	8,639.9



Traditional U.S. Life Insurance Companies' Statutory Results²
Net Gain from Operations, After Tax	$	156.1		$	130.1		$	618.1	$	617.5
Net Realized Investment Gain (Loss), After Tax	(0.8		)	2.8			5.0		(33.0		)

Net Income	$	155.3		$	132.9		$	623.1	$	584.5

Capital and Surplus	$	3,474.8		$	3,446.1		$	3,462.8	$	3,450.5

Weighted Average Risk-based Capital Ratio	> 400%			400		%	> 400%		> 400%

¹Generally Accepted Accounting Principles

²Our traditional U.S. life insurance companies are Provident Life and Accident Insurance Company, Unum Life Insurance Company of America, The Paul Revere Life Insurance Company, Colonial Life & Accident Insurance Company, Provident Life and Casualty Insurance Company, First Unum Life Insurance Company, and The Paul Revere Variable Annuity Insurance Company. Upon receipt of appropriate regulatory approval, we changed the name of The Paul Revere Variable Annuity Insurance Company to Unum Insurance Company effective April 8, 2015.

Unum Group Capital Metrics



	3/31/2015						3/31/2014						12/31/2014						12/31/2013
	(in millions)			per share			(in millions)			per share			(in millions)			per share			(in millions)			per share
							As Adjusted
Book Value
Total Stockholders' Equity, As Reported	$	8,687.9		$	34.82		$	8,933.4		$	34.68		$	8,521.9		$	33.78		$	8,639.9		$	33.23
Net Unrealized Gain on Securities	414.3			1.66			325.3			1.26			290.3			1.15			135.7			0.52
Net Gain on Cash Flow Hedges	411.9			1.65			398.0			1.55			391.0			1.55			396.3			1.52
Subtotal	7,861.7			31.51			8,210.1			31.87			7,840.6			31.08			8,107.9			31.19
Foreign Currency Translation Adjustment	(167.4		)	(0.67		)	(39.5		)	(0.16		)	(113.4		)	(0.45		)	(47.1		)	(0.18		)
Subtotal	8,029.1			32.18			8,249.6			32.03			7,954.0			31.53			8,155.0			31.37
Unrecognized Pension and Postretirement Benefit Costs	(398.4		)	(1.60		)	(229.4		)	(0.89		)	(401.5		)	(1.59		)	(229.9		)	(0.88		)
Total Stockholders' Equity, Excluding Accumulated Other Comprehensive Income	$	8,427.5		$	33.78		$	8,479.0		$	32.92		$	8,355.5		$	33.12		$	8,384.9		$	32.25

Dividends Paid	$	42.3		$	0.165		$	38.3		$	0.145		$	159.4		$	0.620		$	146.5		$	0.550



	Three Months Ended						Year Ended
	3/31/2015			3/31/2014			12/31/2014			12/31/2013
Shares Repurchased (millions)	3.2			2.9			8.7			11.2
Cost of Shares Repurchased (millions)⁽¹⁾	$	108.1		$	100.1		$	300.6		$	318.6
Price (UNM closing price on last trading day of period)	$	33.73		$	35.31		$	34.88		$	35.08

Leverage Ratio	25.4		%	25.5		%	25.4		%	23.0		%

Holding Company Cash and Marketable Securities	$	426		$	822		$	575		$	514

⁽¹⁾Includes commissions of $0.1 million and a de minimis amount for the three month periods ended March 31, 2015 and 2014, respectively, as well as $0.1 million and $0.2 million for the years ended December 31, 2014 and 2013, respectively.

Unum Group Ratings



	AM Best	Fitch	Moody's	S&P
Outlook	Stable	Stable	Stable	Stable

Issuer Credit Ratings	bbb	BBB	Baa2	BBB

Financial Strength Ratings
Provident Life and Accident	A	A	A2	A
Unum Life of America	A	A	A2	A
Colonial Life & Accident	A	A	A2	A
Paul Revere Life	A	A	A2	A
Unum Limited	NR	NR	NR	A-

NR = not rated

Unum Group Consolidated Statements of Income



	Three Months Ended						Year Ended
	3/31/2015			3/31/2014			12/31/2014			12/31/2013
				As Adjusted			As Adjusted
Revenue
Premium Income	$	2,006.3		$	1,938.5		$	7,797.2		$	7,624.7
Net Investment Income	602.0			615.8			2,492.2			2,506.9
Net Realized Investment Gain (Loss)	(15.3		)	6.3			16.1			6.8
Other Income	54.4			53.8			219.0			230.2
Total Revenue	2,647.4			2,614.4			10,524.5			10,368.6

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	1,653.9			1,631.3			7,310.8			6,595.7
Commissions	256.9			236.0			935.3			909.5
Interest and Debt Expense - Non-recourse Debt	1.7			1.9			7.3			8.5
Interest and Debt Expense - All Other Debt	36.1			36.0			160.2			140.9
Deferral of Acquisition Costs	(145.0		)	(129.0		)	(524.0		)	(466.8		)
Amortization of Deferred Acquisition Costs	134.3			118.6			440.8			418.9
Other Expenses	406.5			389.8			1,652.1			1,541.9
Total Benefits and Expenses	2,344.4			2,284.6			9,982.5			9,148.6

Income Before Income Tax	303.0			329.8			542.0			1,220.0
Income Tax Expense	90.1			104.0			139.9			373.0

Net Income	$	212.9		$	225.8		$	402.1		$	847.0

Average Weighted Shares Outstanding
Basic	251.5			259.4			255.5			264.7
Assuming Dilution	252.2			260.7			256.7			265.9

Actual Number of Shares Outstanding	249.5			257.6			252.3			260.0

Unum Group Sales Data for Unum US Segment



	Three Months Ended						Year Ended
	3/31/2015		3/31/2014		% Change		12/31/2014		12/31/2013
Sales by Product
Group Disability and Group Life and AD&D
Group Long-term Disability	$	37.3	$	32.7	14.1	%	$	223.6	$	173.3
Group Short-term Disability	24.0		19.8		21.2		118.8		101.9
Group Life and AD&D	42.9		41.3		3.9		264.8		199.4
Subtotal	104.2		93.8		11.1		607.2		474.6
Supplemental and Voluntary
Individual Disability	12.3		14.6		(15.8	)	56.8		52.2
Voluntary Benefits	131.9		103.3		27.7		238.1		218.8
Subtotal	144.2		117.9		22.3		294.9		271.0
Total Sales	$	248.4	$	211.7	17.3		$	902.1	$	745.6

Sales by Market Sector
Group Disability and Group Life and AD&D
Core Market (< 2,000 lives)	$	72.5	$	60.0	20.8	%	$	401.7	$	324.4
Large Case Market	31.7		33.8		(6.2	)	205.5		150.2
Subtotal	104.2		93.8		11.1		607.2		474.6
Supplemental and Voluntary	144.2		117.9		22.3		294.9		271.0
Total Sales	$	248.4	$	211.7	17.3		$	902.1	$	745.6

Unum Group Sales Data for Unum UK Segment



	Three Months Ended						Year Ended
(in millions of dollars)	3/31/2015		3/31/2014		% Change		12/31/2014		12/31/2013
Sales by Product
Group Long-term Disability	$	10.6	$	12.3	(13.8	)%	$	57.4	$	50.5
Group Life	5.5		4.0		37.5		23.8		21.4
Supplemental	0.6		1.0		(40.0	)	3.9		3.9
Total Sales	$	16.7	$	17.3	(3.5	)	$	85.1	$	75.8

Sales by Market Sector
Group Long-term Disability and Group Life
Core Market (< 500 lives)	$	6.9	$	7.6	(9.2	)%	$	42.5	$	38.9
Large Case Market	9.2		8.7		5.7		38.7		33.0
Subtotal	16.1		16.3		(1.2	)	81.2		71.9
Supplemental	0.6		1.0		(40.0	)	3.9		3.9
Total Sales	$	16.7	$	17.3	(3.5	)	$	85.1	$	75.8

(in millions of pounds)
Sales by Product
Group Long-term Disability	£	7.0	£	7.4	(5.4	)%	£	35.1	£	32.2
Group Life	3.6		2.4		50.0		14.4		13.7
Supplemental	0.4		0.6		(33.3	)	2.4		2.5
Total Sales	£	11.0	£	10.4	5.8		£	51.9	£	48.4

Sales by Market Sector
Group Long-term Disability and Group Life
Core Market (< 500 lives)	£	4.5	£	4.5	—	%	£	25.8	£	24.9
Large Case Market	6.1		5.3		15.1		23.7		21.0
Subtotal	10.6		9.8		8.2		49.5		45.9
Supplemental	0.4		0.6		(33.3	)	2.4		2.5
Total Sales	£	11.0	£	10.4	5.8		£	51.9	£	48.4

5. 1

Unum Group Sales Data for Colonial Life Segment



	Three Months Ended						Year Ended
	3/31/2015		3/31/2014		% Change		12/31/2014		12/31/2013
Sales by Product
Accident, Sickness, and Disability	$	49.3	$	46.7	5.6	%	$	260.7	$	238.2
Life	15.9		14.2		12.0		78.8		68.1
Cancer and Critical Illness	12.3		11.1		10.8		70.6		61.3
Total Sales	$	77.5	$	72.0	7.6		$	410.1	$	367.6

Sales by Market Sector
Commercial
Core Market (< 1,000 lives)	$	55.7	$	51.7	7.7	%	$	275.6	$	246.0
Large Case Market	7.3		9.7		(24.7	)	53.2		49.0
Total Commercial Sales	63.0		61.4		2.6		328.8		295.0
Public Sector	14.5		10.6		36.8		81.3		72.6
Total Sales	$	77.5	$	72.0	7.6		$	410.1	$	367.6

5. 2

Unum Group Consolidated Balance Sheets



	March 31			December 31
	2015			2014
				As Adjusted
Assets
Investments
Fixed Maturity Securities	$	45,852.7		$	45,064.9
Mortgage Loans	1,896.5			1,856.6
Policy Loans	3,283.2			3,306.6
Other Long-term Investments	603.1			545.0
Short-term Investments	706.7			974.3
Total Investments	52,342.2			51,747.4

Other Assets
Cash and Bank Deposits	84.1			102.5
Accounts and Premiums Receivable	1,657.1			1,634.7
Reinsurance Recoverable	4,882.5			4,906.4
Accrued Investment Income	752.1			696.1
Deferred Acquisition Costs	1,904.6			1,901.3
Goodwill	198.2			198.7
Property and Equipment	537.5			531.7
Income Tax Receivable	—			69.5
Other Assets	656.2			661.9
Total Assets	$	63,014.5		$	62,450.2

Liabilities
Policy and Contract Benefits	$	1,533.1		$	1,529.3
Reserves for Future Policy and Contract Benefits	46,199.5			45,929.4
Unearned Premiums	439.6			396.6
Other Policyholders’ Funds	1,677.9			1,657.8
Income Tax Payable	39.1			—
Deferred Income Tax	173.3			62.0
Short-term Debt	151.9			151.9
Long-term Debt - Non-recourse	369.3			398.4
Long-term Debt - All Other	2,234.0			2,230.3
Other Liabilities	1,508.9			1,572.6
Total Liabilities	54,326.6			53,928.3

Stockholders’ Equity
Common Stock	30.2			30.2
Additional Paid-in Capital	2,230.7			2,221.2
Accumulated Other Comprehensive Income	260.4			166.4
Retained Earnings	7,472.9			7,302.3
Treasury Stock	(1,306.3		)	(1,198.2		)
Total Stockholders’ Equity	8,687.9			8,521.9
Total Liabilities and Stockholders’ Equity	$	63,014.5		$	62,450.2

Unum Group Deferred Acquisition Costs by Segment



	Unum US			Unum UK			Colonial Life			Consolidated
Balances at December 31, 2013	$	1,051.5		$	34.3		$	743.4		$	1,829.2
Capitalization	292.7			10.5			220.8			524.0
Amortization	(248.1		)	(12.5		)	(180.2		)	(440.8		)
Adjustment Related to Unrealized Investment Gains	0.4			—			(9.6		)	(9.2		)
Foreign Currency	—			(1.9		)	—			(1.9		)
Balances at December 31, 2014	1,096.5			30.4			774.4			1,901.3
Capitalization	80.1			2.0			62.9			145.0
Amortization	(83.4		)	(2.8		)	(48.1		)	(134.3		)
Adjustment Related to Unrealized Investment Gains	(2.0		)	—			(3.8		)	(5.8		)
Foreign Currency	—			(1.6		)	—			(1.6		)
Balances at March 31, 2015	$	1,091.2		$	28.0		$	785.4		$	1,904.6

6. 1

Unum Group Balance Sheets by Segment - March 31, 2015



	Unum US
	Group Disability		Group Life and Accidental Death & Dismemberment		Supplemental and Voluntary		Total Unum US		Unum UK		Colonial Life		Closed Block			Corporate			Consolidated
Assets
Investments	$	9,184.2	$	2,720.2	$	4,304.7	$	16,209.1	$	3,297.3	$	2,733.1	$	28,284.1		$	1,818.6		$	52,342.2
Deferred Acquisition Costs	71.8		61.3		958.1		1,091.2		28.0		785.4		—			—			1,904.6
Goodwill	—		—		187.6		187.6		10.6		—		—			—			198.2
All Other	708.0		146.6		522.5		1,377.1		277.5		256.2		6,178.0			480.7			8,569.5
Total Assets	$	9,964.0	$	2,928.1	$	5,972.9	$	18,865.0	$	3,613.4	$	3,774.7	$	34,462.1		$	2,299.3		$	63,014.5

Liabilities
Reserves and Policyholder Benefits	$	8,131.2	$	1,732.1	$	3,764.9	$	13,628.2	$	2,806.6	$	2,179.4	$	31,235.9		$	—		$	49,850.1
Debt	—		—		—		—		—		—		369.3			2,385.9			2,755.2
All Other	347.1		106.5		377.6		831.2		79.9		272.4		(232.2		)	770.0			1,721.3
Total Liabilities	8,478.3		1,838.6		4,142.5		14,459.4		2,886.5		2,451.8		31,373.0			3,155.9			54,326.6

Allocated Stockholders' Equity
Other Allocated Stockholders' Equity	1,477.5		1,034.8		1,670.8		4,183.1		614.0		1,208.1		2,905.1			(1,048.6		)	7,861.7
Net Unrealized Gain on Securities and Net Gain on Cash Flow Hedges	8.2		54.7		159.6		222.5		112.9		114.8		184.0			192.0			826.2
Total Allocated Stockholders' Equity	1,485.7		1,089.5		1,830.4		4,405.6		726.9		1,322.9		3,089.1			(856.6		)	8,687.9

Total Liabilities and Allocated Stockholders' Equity	$	9,964.0	$	2,928.1	$	5,972.9	$	18,865.0	$	3,613.4	$	3,774.7	$	34,462.1		$	2,299.3		$	63,014.5

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, 2014 - As Adjusted



	Unum US
	Group Disability		Group Life and Accidental Death & Dismemberment		Supplemental and Voluntary		Total Unum US		Unum UK		Colonial Life		Closed Block			Corporate			Consolidated
Assets
Investments	$	9,216.6	$	2,673.8	$	4,214.6	$	16,105.0	$	3,399.2	$	2,650.8	$	27,668.8		$	1,923.6		$	51,747.4
Deferred Acquisition Costs	69.8		59.8		966.9		1,096.5		30.4		774.4		—			—			1,901.3
Goodwill	—		—		187.6		187.6		11.1		—		—			—			198.7
All Other	619.3		129.4		538.7		1,287.4		261.8		267.0		6,291.4			495.2			8,602.8
Total Assets	$	9,905.7	$	2,863.0	$	5,907.8	$	18,676.5	$	3,702.5	$	3,692.2	$	33,960.2		$	2,418.8		$	62,450.2

Liabilities
Reserves and Policyholder Benefits	$	8,104.9	$	1,722.2	$	3,712.4	$	13,539.5	$	2,894.3	$	2,149.7	$	30,929.6		$	—		$	49,513.1
Debt	—		—		—		—		—		—		398.4			2,382.2			2,780.6
All Other	333.2		91.2		371.1		795.5		69.8		258.8		(296.2		)	806.7			1,634.6
Total Liabilities	8,438.1		1,813.4		4,083.5		14,335.0		2,964.1		2,408.5		31,031.8			3,188.9			53,928.3

Allocated Stockholders' Equity
Other Allocated Stockholders' Equity	1,457.9		1,005.7		1,682.9		4,146.5		648.4		1,178.8		2,814.3			(947.4		)	7,840.6
Net Unrealized Gain on Securities and Net Gain on Cash Flow Hedges	9.7		43.9		141.4		195.0		90.0		104.9		114.1			177.3			681.3
Total Allocated Stockholders' Equity	1,467.6		1,049.6		1,824.3		4,341.5		738.4		1,283.7		2,928.4			(770.1		)	8,521.9

Total Liabilities and Allocated Stockholders' Equity	$	9,905.7	$	2,863.0	$	5,907.8	$	18,676.5	$	3,702.5	$	3,692.2	$	33,960.2		$	2,418.8		$	62,450.2

6. 3

Unum Group Financial Results by Segment



	Three Months Ended							Year Ended
	3/31/2015		3/31/2014			% Change		12/31/2014		12/31/2013		% Change
			As Adjusted					As Adjusted
Premium Income
Unum US	$	1,230.2	$	1,152.5		6.7	%	$	4,659.7	$	4,517.1	3.2	%
Unum UK	139.0		151.7			(8.4	)	607.2		556.6		9.1
Colonial Life	332.2		316.4			5.0		1,273.7		1,232.2		3.4
Closed Block	304.9		317.9			(4.1	)	1,256.6		1,318.8		(4.7	)
	2,006.3		1,938.5			3.5		7,797.2		7,624.7		2.3
Net Investment Income
Unum US	215.0		223.1			(3.6	)	878.9		$	919.4	(4.4	)
Unum UK	23.5		33.6			(30.1	)	151.0		148.5		1.7
Colonial Life	37.0		36.6			1.1		145.5		144.1		1.0
Closed Block	320.4		315.5			1.6		1,281.5		1,270.2		0.9
Corporate	6.1		7.0			(12.9	)	35.3		24.7		42.9
	602.0		615.8			(2.2	)	2,492.2		2,506.9		(0.6	)
Other Income
Unum US	30.9		30.9			—		122.1		$	128.3	(4.8	)
Unum UK	—		(0.1		)	100.0		—		0.1		(100.0	)
Colonial Life	—		(0.1		)	100.0		0.1		0.2		(50.0	)
Closed Block	23.2		21.6			7.4		91.8		93.9		(2.2	)
Corporate	0.3		1.5			(80.0	)	5.0		7.7		(35.1	)
	54.4		53.8			1.1		219.0		230.2		(4.9	)
Total Operating Revenue
Unum US	1,476.1		1,406.5			4.9		5,660.7		5,564.8		1.7
Unum UK	162.5		185.2			(12.3	)	758.2		705.2		7.5
Colonial Life	369.2		352.9			4.6		1,419.3		1,376.5		3.1
Closed Block	648.5		655.0			(1.0	)	2,629.9		2,682.9		(2.0	)
Corporate	6.4		8.5			(24.7	)	40.3		32.4		24.4
	$	2,662.7	$	2,608.1		2.1		$	10,508.4	$	10,361.8	1.4

Unum Group Financial Results by Segment - Continued



	Three Months Ended								Year Ended
	3/31/2015			3/31/2014			% Change		12/31/2014			12/31/2013			% Change
				As Adjusted					As Adjusted
Benefits and Expenses
Unum US	$	1,261.8		$	1,199.0		5.2	%	$	4,815.8		$	4,706.4		2.3	%
Unum UK	129.9			148.7			(12.6	)	610.4			573.2			6.5
Colonial Life	291.6			273.8			6.5		1,120.3			1,113.0			0.7
Closed Block	621.8			626.7			(0.8	)	3,208.1			2,575.6			24.6
Corporate	36.3			35.0			3.7		157.9			147.5			7.1
	2,341.4			2,283.2			2.5		9,912.5			9,115.7			8.7
Income (Loss) Before Income Tax, Net Realized Investment Gain (Loss), and Non-operating Retirement-related Loss
Unum US	214.3			207.5			3.3		844.9			858.4			(1.6	)
Unum UK	32.6			36.5			(10.7	)	147.8			132.0			12.0
Colonial Life	77.6			79.1			(1.9	)	299.0			263.5			13.5
Closed Block	26.7			28.3			(5.7	)	(578.2		)	107.3			N.M.
Corporate	(29.9		)	(26.5		)	(12.8	)	(117.6		)	(115.1		)	(2.2	)
	321.3			324.9			(1.1	)	595.9			1,246.1			(52.2	)
Income Tax Expense	96.5			102.3			(5.7	)	161.0			381.6			(57.8	)

Income Before Net Realized Investment Gain (Loss) and Non-operating Retirement-related Loss, Net of Tax	224.8			222.6			1.0		434.9			864.5			(49.7	)

Net Realized Investment Gain (Loss), Net of Tax	(10.0		)	4.1			N.M.		12.8			3.9			N.M.

Non-operating Retirement-related Loss, Net of Tax	(1.9		)	(0.9		)	(111.1	)	(45.6		)	(21.4		)	(113.1	)

Net Income	$	212.9		$	225.8		(5.7	)	$	402.1		$	847.0		(52.5	)

7. 1

Unum Group Quarterly Historical Financial Results by Segment



	3/31/15		12/31/14			9/30/14		6/30/14			3/31/14			12/31/13		9/30/13		6/30/13			3/31/13
			As Adjusted
Premium Income
Unum US	$	1,230.2	$	1,186.8		$	1,162.7	$	1,157.7		$	1,152.5		$	1,121.3	$	1,124.6	$	1,131.5		$	1,139.7
Unum UK	139.0		148.9			152.6		154.0			151.7			137.9		137.3		137.6			143.8
Colonial Life	332.2		321.1			319.4		316.8			316.4			308.1		309.1		307.9			307.1
Closed Block	304.9		311.1			312.5		315.1			317.9			323.4		326.3		328.8			340.3
	2,006.3		1,967.9			1,947.2		1,943.6			1,938.5			1,890.7		1,897.3		1,905.8			1,930.9
Net Investment Income
Unum US	215.0		223.2			214.4		218.2			223.1			228.2		230.2		228.2			232.8
Unum UK	23.5		38.7			34.4		44.3			33.6			42.0		30.3		45.4			30.8
Colonial Life	37.0		37.6			35.5		35.8			36.6			34.8		35.9		34.0			39.4
Closed Block	320.4		323.0			317.2		325.8			315.5			327.5		314.7		315.6			312.4
Corporate	6.1		10.2			9.8		8.3			7.0			0.8		7.9		6.7			9.3
	602.0		632.7			611.3		632.4			615.8			633.3		619.0		629.9			624.7
Other Income
Unum US	30.9		30.7			30.2		30.3			30.9			29.3		30.2		32.1			36.7
Unum UK	—		(0.1		)	—		0.2			(0.1		)	—		0.1		(0.1		)	0.1
Colonial Life	—		—			0.1		0.1			(0.1		)	0.1		—		0.1			—
Closed Block	23.2		22.3			23.4		24.5			21.6			22.4		23.6		23.8			24.1
Corporate	0.3		2.8			0.9		(0.2		)	1.5			5.0		0.3		0.8			1.6
	54.4		55.7			54.6		54.9			53.8			56.8		54.2		56.7			62.5
Total Operating Revenue
Unum US	1,476.1		1,440.7			1,407.3		1,406.2			1,406.5			1,378.8		1,385.0		1,391.8			1,409.2
Unum UK	162.5		187.5			187.0		198.5			185.2			179.9		167.7		182.9			174.7
Colonial Life	369.2		358.7			355.0		352.7			352.9			343.0		345.0		342.0			346.5
Closed Block	648.5		656.4			653.1		665.4			655.0			673.3		664.6		668.2			676.8
Corporate	6.4		13.0			10.7		8.1			8.5			5.8		8.2		7.5			10.9
	$	2,662.7	$	2,656.3		$	2,613.1	$	2,630.9		$	2,608.1		$	2,580.8	$	2,570.5	$	2,592.4		$	2,618.1

Unum Group Quarterly Historical Financial Results by Segment - Continued



	3/31/15			12/31/14			9/30/14			6/30/14			3/31/14			12/31/13			9/30/13			6/30/13			3/31/13
				As Adjusted
Benefits and Expenses
Unum US	$	1,261.8		$	1,231.2		$	1,195.2		$	1,190.4		$	1,199.0		$	1,153.6		$	1,168.1		$	1,180.7		$	1,204.0
Unum UK	129.9			149.3			153.5			158.9			148.7			144.0			136.4			149.4			143.4
Colonial Life	291.6			284.7			284.0			277.8			273.8			294.0			276.4			271.2			271.4
Closed Block	621.8			1,325.2			627.4			628.8			626.7			646.7			639.6			639.1			650.2
Corporate	36.3			37.4			35.8			49.7			35.0			39.7			33.6			37.1			37.1
	2,341.4			3,027.8			2,295.9			2,305.6			2,283.2			2,278.0			2,254.1			2,277.5			2,306.1
Income (Loss) Before Income Tax, Net Realized Investment Gain (Loss), and Non-operating Retirement-related Loss
Unum US	214.3			209.5			212.1			215.8			207.5			225.2			216.9			211.1			205.2
Unum UK	32.6			38.2			33.5			39.6			36.5			35.9			31.3			33.5			31.3
Colonial Life	77.6			74.0			71.0			74.9			79.1			49.0			68.6			70.8			75.1
Closed Block	26.7			(668.8		)	25.7			36.6			28.3			26.6			25.0			29.1			26.6
Corporate	(29.9		)	(24.4		)	(25.1		)	(41.6		)	(26.5		)	(33.9		)	(25.4		)	(29.6		)	(26.2		)
	321.3			(371.5		)	317.2			325.3			324.9			302.8			316.4			314.9			312.0
Income Tax Expense (Benefit)	96.5			(143.4		)	98.1			104.0			102.3			88.5			94.8			99.0			99.3

Income (Loss) Before Net Realized Investment Gain (Loss) and Non-operating Retirement-related Loss, Net of Tax	224.8			(228.1		)	219.1			221.3			222.6			214.3			221.6			215.9			212.7

Net Realized Investment Gain (Loss), Net of Tax	(10.0		)	(11.2		)	0.9			19.0			4.1			5.8			(17.2		)	8.6			6.7

Non-operating Retirement-related Loss, Net of Tax	(1.9		)	(42.9		)	(0.9		)	(0.9		)	(0.9		)	(1.5		)	(1.7		)	(8.5		)	(9.7		)

Net Income (Loss)	$	212.9		$	(282.2	)	$	219.1		$	239.4		$	225.8		$	218.6		$	202.7		$	216.0		$	209.7

Net Income (Loss) Per Common Share - Assuming Dilution	$	0.84		$	(1.12	)	$	0.86		$	0.93		$	0.86		$	0.83		$	0.77		$	0.81		$	0.78

8. 1

Unum Group Financial Results for Unum US Segment



	Three Months Ended						Year Ended
	3/31/2015			3/31/2014			12/31/2014			12/31/2013
				As Adjusted			As Adjusted
Operating Revenue
Premium Income	$	1,230.2		$	1,152.5		$	4,659.7		$	4,517.1
Net Investment Income	215.0			223.1			878.9			919.4
Other Income	30.9			30.9			122.1			128.3
Total	1,476.1			1,406.5			5,660.7			5,564.8

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	839.9			809.5			3,288.1			3,222.4
Commissions	145.9			136.5			528.7			505.2
Deferral of Acquisition Costs	(80.1		)	(74.3		)	(292.7		)	(252.0		)
Amortization of Deferred Acquisition Costs	83.4			70.9			248.1			230.0
Other Expenses	272.7			256.4			1,043.6			1,000.8
Total	1,261.8			1,199.0			4,815.8			4,706.4

Income Before Income Tax and Net Realized Investment Gains and Losses	214.3			207.5			844.9			858.4
Unclaimed Death Benefits (UDB) Reserve Increase	—			—			—			75.4
Waiver Reserve Reduction	—			—			—			(85.0		)
Operating Income	$	214.3		$	207.5		$	844.9		$	848.8

Operating Ratios (% of Premium Income):
Benefit Ratio	68.3		%	70.2		%	70.6		%	71.3		%
Benefit Ratio Excluding UDB and Waiver Reserve Adjustments										71.6		%
Other Expense Ratio	22.2		%	22.2		%	22.4		%	22.2		%
Income Ratio	17.4		%	18.0		%	18.1		%	19.0		%
Operating Income Ratio	17.4		%	18.0		%	18.1		%	18.8		%

Unum Group Financial Results for Unum US Group Disability



	Three Months Ended						Year Ended
	3/31/2015			3/31/2014			12/31/2014			12/31/2013
				As Adjusted			As Adjusted
Operating Revenue
Premium Income
Group Long-term Disability	$	405.3		$	383.5		$	1,553.5		$	1,553.9
Group Short-term Disability	147.7			137.3			558.1			519.6
Total Premium Income	553.0			520.8			2,111.6			2,073.5
Net Investment Income	125.0			131.5			515.9			547.4
Other Income	23.6			21.8			91.0			95.6
Total	701.6			674.1			2,718.5			2,716.5

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	443.0			432.5			1,746.4			1,732.9
Commissions	44.5			41.4			161.2			164.0
Deferral of Acquisition Costs	(10.3		)	(9.9		)	(40.2		)	(29.6		)
Amortization of Deferred Acquisition Costs	8.3			6.5			26.3			21.1
Other Expenses	141.8			136.0			550.0			532.4
Total	627.3			606.5			2,443.7			2,420.8

Operating Income	$	74.3		$	67.6		$	274.8		$	295.7

Operating Ratios (% of Premium Income):
Benefit Ratio	80.1		%	83.0		%	82.7		%	83.6		%
Other Expense Ratio	25.6		%	26.1		%	26.0		%	25.7		%
Operating Income Ratio	13.4		%	13.0		%	13.0		%	14.3		%

Persistency:
Group Long-term Disability	91.0		%	88.9		%	90.6		%	87.2		%
Group Short-term Disability	86.5		%	88.1		%	89.6		%	88.0		%

9. 1

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



	Three Months Ended						Year Ended
	3/31/2015			3/31/2014			12/31/2014			12/31/2013
				As Adjusted			As Adjusted
Operating Revenue
Premium Income
Group Life	$	335.0		$	309.9		$	1,262.3		$	1,213.9
Accidental Death & Dismemberment	32.6			30.6			125.9			121.6
Total Premium Income	367.6			340.5			1,388.2			1,335.5
Net Investment Income	33.5			34.1			135.2			139.1
Other Income	0.3			0.4			1.4			1.8
Total	401.4			375.0			1,524.8			1,476.4

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	260.8			239.3			975.8			909.9
Commissions	30.3			28.5			113.3			108.9
Deferral of Acquisition Costs	(8.0		)	(7.2		)	(31.3		)	(24.7		)
Amortization of Deferred Acquisition Costs	6.5			5.3			21.4			15.6
Other Expenses	53.9			50.4			205.2			198.2
Total	343.5			316.3			1,284.4			1,207.9

Income Before Income Tax and Net Realized Investment Gains and Losses	57.9			58.7			240.4			268.5
UDB Reserve Increase	—			—			—			49.1
Waiver Reserve Reduction	—			—			—			(85.0		)
Operating Income	$	57.9		$	58.7		$	240.4		$	232.6

Operating Ratios (% of Premium Income):
Benefit Ratio	70.9		%	70.3		%	70.3		%	68.1		%
Benefit Ratio Excluding UDB and Waiver Reserve Adjustments										70.8		%
Other Expense Ratio	14.7		%	14.8		%	14.8		%	14.8		%
Income Ratio	15.8		%	17.2		%	17.3		%	20.1		%
Operating Income Ratio	15.8		%	17.2		%	17.3		%	17.4		%

Persistency:
Group Life	87.3		%	89.5		%	90.8		%	88.1		%
Accidental Death & Dismemberment	89.0		%	89.6		%	91.1		%	88.8		%

9. 2

Unum Group Financial Results for Unum US Supplemental and Voluntary



	Three Months Ended						Year Ended
	3/31/2015			3/31/2014			12/31/2014			12/31/2013
				As Adjusted			As Adjusted
Operating Revenue
Premium Income
Individual Disability	$	117.9		$	115.9		$	466.1		$	465.3
Voluntary Benefits	191.7			175.3			693.8			642.8
Total Premium Income	309.6			291.2			1,159.9			1,108.1
Net Investment Income	56.5			57.5			227.8			232.9
Other Income	7.0			8.7			29.7			30.9
Total	373.1			357.4			1,417.4			1,371.9

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	136.1			137.7			565.9			579.6
Commissions	71.1			66.6			254.2			232.3
Deferral of Acquisition Costs	(61.8		)	(57.2		)	(221.2		)	(197.7		)
Amortization of Deferred Acquisition Costs	68.6			59.1			200.4			193.3
Other Expenses	77.0			70.0			288.4			270.2
Total	291.0			276.2			1,087.7			1,077.7

Income Before Income Tax and Net Realized Investment Gains and Losses	82.1			81.2			329.7			294.2
UDB Reserve Increase	—			—			—			26.3
Operating Income	$	82.1		$	81.2		$	329.7		$	320.5

Interest Adjusted Loss Ratio:
Individual Disability	27.5		%	27.2		%	30.0		%	29.6		%

Operating Ratios (% of Premium Income):
Benefit Ratios:
Individual Disability	48.9		%	49.0		%	51.6		%	51.3		%
Voluntary Benefits	40.9		%	46.1		%	46.9		%	53.0		%
Benefit Ratio Excluding UDB Reserve Increase:
Voluntary Benefits										48.9		%
Other Expense Ratio	24.9		%	24.0		%	24.9		%	24.4		%
Income Ratio	26.5		%	27.9		%	28.4		%	26.5		%
Operating Income Ratio	26.5		%	27.9		%	28.4		%	28.9		%

Persistency:
Individual Disability	90.1		%	90.6		%	90.0		%	90.5		%
Voluntary Benefits	75.5		%	78.0		%	77.6		%	77.0		%

9. 3

Unum Group Financial Results for Unum UK Segment



	Three Months Ended						Year Ended
	3/31/2015			3/31/2014			12/31/2014			12/31/2013
Operating Revenue
Premium Income
Group Long-term Disability	$	96.5		$	103.0		$	418.9		$	389.9
Group Life	30.5			34.8			133.2			106.4
Supplemental	12.0			13.9			55.1			60.3
Total Premium Income	139.0			151.7			607.2			556.6
Net Investment Income	23.5			33.6			151.0			148.5
Other Income	—			(0.1		)	—			0.1
Total	162.5			185.2			758.2			705.2

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	90.9			106.4			431.0			413.3
Commissions	12.0			9.9			42.8			38.0
Deferral of Acquisition Costs	(2.0		)	(2.2		)	(10.5		)	(9.8		)
Amortization of Deferred Acquisition Costs	2.8			3.2			12.5			14.7
Other Expenses	26.2			31.4			134.6			117.0
Total	129.9			148.7			610.4			573.2

Operating Income	$	32.6		$	36.5		$	147.8		$	132.0

Unum Group Financial Results for Unum UK Segment - Continued



(in millions of pounds, except exchange rate)	Three Months Ended						Year Ended
	3/31/2015			3/31/2014			12/31/2014			12/31/2013
Operating Revenue
Premium Income
Group Long-term Disability	£	63.7		£	62.2		£	254.4		£	249.2
Group Life	20.2			21.0			80.8			68.2
Supplemental	7.8			8.4			33.4			38.5
Total Premium Income	91.7			91.6			368.6			355.9
Net Investment Income	15.4			20.3			91.6			94.9
Other Income	0.1			—			0.1			0.1
Total	107.2			111.9			460.3			450.9

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	59.9			64.3			261.4			264.5
Commissions	7.9			6.0			26.0			24.3
Deferral of Acquisition Costs	(1.3		)	(1.3		)	(6.4		)	(6.2		)
Amortization of Deferred Acquisition Costs	1.8			1.9			7.6			9.3
Other Expenses	17.4			19.0			81.9			74.7
Total	85.7			89.9			370.5			366.6

Operating Income	£	21.5		£	22.0		£	89.8		£	84.3

Weighted Average Pound/Dollar Exchange Rate	1.516			1.659			1.646			1.566

Operating Ratios (% of Premium Income):
Benefit Ratio	65.3		%	70.2		%	70.9		%	74.3		%
Other Expense Ratio	19.0		%	20.7		%	22.2		%	21.0		%
Operating Income Ratio	23.4		%	24.0		%	24.4		%	23.7		%

Persistency:
Group Long-term Disability	86.6		%	86.3		%	90.1		%	82.2		%
Group Life	79.3		%	69.7		%	76.0		%	66.7		%
Supplemental	87.5		%	85.2		%	86.6		%	78.8		%

10. 1

Unum Group Financial Results for Colonial Life Segment



	Three Months Ended						Year Ended
	3/31/2015			3/31/2014			12/31/2014			12/31/2013
				As Adjusted			As Adjusted
Operating Revenue
Premium Income
Accident, Sickness, and Disability	$	196.5		$	189.1		$	759.8		$	738.7
Life	62.3			57.4			231.8			221.1
Cancer and Critical Illness	73.4			69.9			282.1			272.4
Total Premium Income	332.2			316.4			1,273.7			1,232.2
Net Investment Income	37.0			36.6			145.5			144.1
Other Income	—			(0.1		)	0.1			0.2
Total	369.2			352.9			1,419.3			1,376.5

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	170.4			159.8			660.6			667.0
Commissions	73.4			63.5			262.3			252.5
Deferral of Acquisition Costs	(62.9		)	(52.5		)	(220.8		)	(205.0		)
Amortization of Deferred Acquisition Costs	48.1			44.5			180.2			174.2
Other Expenses	62.6			58.5			238.0			224.3
Total	291.6			273.8			1,120.3			1,113.0

Income Before Income Tax and Net Realized Investment Gains and Losses	77.6			79.1			299.0			263.5
UDB Reserve Increase	—			—			—			20.1
Operating Income	$	77.6		$	79.1		$	299.0		$	283.6

Operating Ratios (% of Premium Income):
Benefit Ratio	51.3		%	50.5		%	51.9		%	54.1		%
Benefit Ratio Excluding UDB Reserve Increase										52.5		%
Other Expense Ratio	18.8		%	18.5		%	18.7		%	18.2		%
Income Ratio	23.4		%	25.0		%	23.5		%	21.4		%
Operating Income Ratio	23.4		%	25.0		%	23.5		%	23.0		%

Persistency:
Accident, Sickness, and Disability	75.5		%	74.7		%	75.5		%	75.2		%
Life	85.4		%	84.8		%	85.2		%	85.2		%
Cancer and Critical Illness	83.8		%	82.4		%	83.5		%	83.1		%

Unum Group Financial Results for Closed Block Segment



	Three Months Ended						Year Ended
	3/31/2015			3/31/2014			12/31/2014			12/31/2013
				As Adjusted			As Adjusted
Operating Revenue
Premium Income
Individual Disability	$	146.5		$	161.1		$	624.8		$	687.5
Long-term Care	158.2			156.5			630.9			630.6
All Other	0.2			0.3			0.9			0.7
Total Premium Income	304.9			317.9			1,256.6			1,318.8
Net Investment Income	320.4			315.5			1,281.5			1,270.2
Other Income	23.2			21.6			91.8			93.9
Total	648.5			655.0			2,629.9			2,682.9

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	552.7			555.6			2,931.1			2,293.0
Commissions	25.6			26.1			101.5			113.8
Interest and Debt Expense	1.7			1.9			7.3			8.4
Other Expenses	41.8			43.1			168.2			160.4
Total	621.8			626.7			3,208.1			2,575.6

Income (Loss) Before Income Tax and Net Realized Investment Gains and Losses	26.7			28.3			(578.2		)	107.3
Long-term Care (LTC) Reserve Increase	—			—			698.2			—
Operating Income	$	26.7		$	28.3		$	120.0		$	107.3

Interest Adjusted Loss Ratios:
Individual Disability	80.0		%	81.5		%	83.6		%	82.6		%
Long-term Care	87.3		%	84.7		%	196.6		%	89.6		%
Long-term Care Excluding the Reserve Increase							85.9		%

Operating Ratios (% of Premium Income):
Other Expense Ratio	13.7		%	13.6		%	13.4		%	12.2		%
Income (Loss) Ratio	8.8		%	8.9		%	(46.0		)%	8.1		%
Operating Income Ratio	8.8		%	8.9		%	9.5		%	8.1		%

Persistency:
Individual Disability	91.3		%	91.4		%	91.3		%	91.8		%
Long-term Care	95.3		%	95.3		%	95.4		%	95.5		%

Unum Group Financial Results for Corporate Segment



	Three Months Ended						Year Ended
	3/31/2015			3/31/2014			12/31/2014			12/31/2013
				As Adjusted			As Adjusted
Operating Revenue
Net Investment Income	$	6.1		$	7.0		$	35.3		$	24.7
Other Income	0.3			1.5			5.0			7.7
Total	6.4			8.5			40.3			32.4

Interest and Other Expenses	36.3			35.0			157.9			147.5

Operating Loss Including Costs Related to Early Retirement of Debt	(29.9		)	(26.5		)	(117.6		)	(115.1		)
Costs Related to Early Retirement of Debt	—			—			13.2			—
Operating Loss	$	(29.9	)	$	(26.5	)	$	(104.4	)	$	(115.1	)

Unum Group Reserves



	March 31, 2015
	Gross												Total
	Policy				Claim Reserves								Reinsurance		Total
	Reserves		%		Incurred		IBNR		%		Total		Ceded		Net
Group Disability	$	—	—	%	$	6,462.5	$	613.9	29.4	%	$	7,076.4	$	66.7	$	7,009.7
Group Life and Accidental Death & Dismemberment	68.7		0.4		693.6		201.1		3.7		963.4		2.8		960.6
Individual Disability	554.7		3.2		1,211.9		126.7		5.6		1,893.3		113.0		1,780.3
Voluntary Benefits	1,372.7		8.0		56.3		57.9		0.5		1,486.9		28.9		1,458.0
Unum US Segment	1,996.1		11.6		8,424.3		999.6		39.2		11,420.0		211.4		11,208.6

Unum UK Segment	21.6		0.1		2,061.1		137.8		9.2		2,220.5		106.5		2,114.0

Colonial Life Segment	1,688.1		9.8		282.0		131.8		1.7		2,101.9		8.4		2,093.5

Individual Disability	702.3		4.1		10,112.5		276.4		43.3		11,091.2		1,559.5		9,531.7
Long-term Care	7,008.8		40.7		1,120.1		114.9		5.1		8,243.8		43.9		8,199.9
Other	5,787.7		33.7		213.0		140.6		1.5		6,141.3		4,945.1		1,196.2
Closed Block Segment	13,498.8		78.5		11,445.6		531.9		49.9		25,476.3		6,548.5		18,927.8

Subtotal	$	17,204.6	100.0	%	$	22,213.0	$	1,801.1	100.0	%	41,218.7		6,874.8		34,343.9

Adjustment to Reserves for Unrealized Gain on Securities											6,513.9		387.9		6,126.0

Consolidated											$	47,732.6	$	7,262.7	$	40,469.9

The increase in the adjustment to reserves for unrealized gain on securities, relative to year-end 2014, was due primarily to a decline in both U.S. Treasury rates and credit spreads. This adjustment is consistent with a similar adjustment to our invested assets.

Unum Group Reserves



	December 31, 2014
	Gross												Total
	Policy				Claim Reserves								Reinsurance		Total
	Reserves		%		Incurred		IBNR		%		Total		Ceded		Net
Group Disability	$	—	—	%	$	6,558.4	$	581.1	29.5	%	$	7,139.5	$	66.9	$	7,072.6
Group Life and Accidental Death & Dismemberment	68.8		0.4		712.6		195.4		3.7		976.8		3.9		972.9
Individual Disability	555.6		3.2		1,201.5		127.3		5.5		1,884.4		112.5		1,771.9
Voluntary Benefits	1,366.4		8.0		52.3		58.4		0.5		1,477.1		29.1		1,448.0
Unum US Segment	1,990.8		11.6		8,524.8		962.2		39.2		11,477.8		212.4		11,265.4

Unum UK Segment	22.8		0.1		2,168.2		145.2		9.6		2,336.2		112.3		2,223.9

Colonial Life Segment	1,670.4		9.8		279.4		127.3		1.7		2,077.1		9.9		2,067.2

Individual Disability	735.0		4.3		10,150.9		285.6		43.1		11,171.5		1,551.7		9,619.8
Long-term Care	6,884.2		40.2		1,083.3		111.9		4.9		8,079.4		42.5		8,036.9
Other	5,811.4		34.0		214.3		140.7		1.5		6,166.4		4,959.8		1,206.6
Closed Block Segment	13,430.6		78.5		11,448.5		538.2		49.5		25,417.3		6,554.0		18,863.3

Subtotal	$	17,114.6	100.0	%	$	22,420.9	$	1,772.9	100.0	%	41,308.4		6,888.6		34,419.8

Adjustment to Reserves for Unrealized Gain on Securities											6,150.3		365.0		5,785.3

Consolidated											$	47,458.7	$	7,253.6	$	40,205.1

14. 1

Unum Group Investments



	3/31/2015						3/31/2015			12/31/2014
Fixed Maturity Securities (Fair Value)										As Adjusted
Public	$	29,420.1		64.2	%	Selected Statistics
Asset-Backed Securities	91.5			0.2		Earned Book Yield	5.29		%	5.52		%
Residential Mortgage-Backed Securities (1)	2,190.6			4.8		Average Duration (in years)	7.67			7.62
Commercial Mortgage-Backed Securities	133.2			0.3
Private Placements	5,428.3			11.8
High Yield	3,719.8			8.1
Government Securities	2,657.3			5.8
Municipal Securities (2)	2,162.1			4.7
Redeemable Preferred Stocks	49.8			0.1
Total	$	45,852.7		100.0	%

	Amortized Cost			Fair Value
Quality Ratings of Fixed Maturity Securities						Schedule BA and Non-Current
Aaa	8.8		%	8.7	%	Total Non-Current Investments	$	40.3		$	40.4
Aa	8.5			8.9		Total Schedule BA Assets	$	454.0		$	438.7
A	30.7			32.0
Baa	42.7			42.2
Below Baa	9.3			8.2
Total	100.0		%	100.0	%

(1) Includes $29.0 million of high yield mortgage-backed securities.
(2) Includes $18.2 million of high yield municipal securities.

Unum Group Investments at March 31, 2015



Fixed Maturity Securities - By Industry Classification - Unrealized Gain (Loss)
Classification	Fair Value		Net Unrealized Gain		Fair Value of Fixed Maturity Securities with Gross Unrealized Loss		Gross Unrealized Loss		Fair Value of Fixed Maturity Securities with Gross Unrealized Gain		Gross Unrealized Gain
Basic Industry	$	2,739.2	$	283.0	$	265.2	$	17.2	$	2,474.0	$	300.2
Capital Goods	4,053.9		589.7		74.4		2.8		3,979.5		592.5
Communications	3,129.1		534.8		81.4		1.3		3,047.7		536.1
Consumer Cyclical	1,356.0		197.5		36.0		0.2		1,320.0		197.7
Consumer Non-Cyclical	6,082.7		897.3		219.3		4.8		5,863.4		902.1
Energy	6,116.0		740.1		668.6		61.9		5,447.4		802.0
Financial Institutions	3,384.3		424.4		19.9		0.1		3,364.4		424.5
Mortgage/Asset-Backed	2,415.3		240.7		20.9		0.1		2,394.4		240.8
Sovereigns	1,243.9		210.0		—		—		1,243.9		210.0
Technology	1,332.8		113.2		48.1		0.2		1,284.7		113.4
Transportation	1,708.1		294.0		28.5		0.4		1,679.6		294.4
U.S. Government Agencies and Municipalities	3,575.5		674.7		24.1		0.4		3,551.4		675.1
Public Utilities	8,666.1		1,621.6		31.6		0.5		8,634.5		1,622.1
Redeemable Preferred Stocks	49.8		5.8		—		—		49.8		5.8
Total	$	45,852.7	$	6,826.8	$	1,518.0	$	89.9	$	44,334.7	$	6,916.7

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	$	367.4	$	3.0			$	191.2	$	2.5
91 through 180 days	142.4		5.7				221.4		37.1
181 through 270 days	9.6		—				242.6		20.1
Greater than 1 year	163.2		8.8				180.2		12.7
Total	$	682.6	$	17.5			$	835.4	$	72.4

15. 1

Appendix to Statistical Supplement

2015 Significant Items

•

In January 2014, the Financial Accounting Standards Board (FASB) issued an update permitting entities to make an accounting policy election to account for investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense (benefit). We adopted this update effective January 1, 2015 and applied the amendments retrospectively, adjusting all prior period operating results, balance sheets, and related metrics throughout this document.

2014 Significant Items


•	Fourth quarter of 2014 reserve increase of $698.2 million before tax and $453.8 million after tax related to long-term care.


•	Fourth quarter of 2014 settlement loss of $64.4 million before tax and $41.9 million after tax related to a pension plan amendment.


•	Second quarter of 2014 costs related to early retirement of debt of $13.2 million before tax and $10.4 million after tax.


•	In December 2014, we retired 60 million shares of our treasury stock with an average total cost of $1,451.7 million.

2013 Significant Items


•	Fourth quarter of 2013 claim reserve increases of $49.1 million for Unum US group life, $26.3 million for Unum US voluntary life, and $20.1 million for Colonial Life voluntary life, for a total reserve increase of $95.5 million with a corresponding decrease in net income of $62.1 million, less applicable income tax, related to unclaimed death benefits.


•	Fourth quarter of 2013 reserve reduction of $85.0 million before tax and $55.2 million after tax related to Unum US group life waiver of premium benefits.

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:


•	Operating revenue, which excludes realized investment gains or losses;


•	Before-tax operating income or loss, which excludes realized investment gains or losses, non-operating retirement-related gains or losses, income tax, and certain other items, as applicable, and after-tax operating income or loss which includes income tax;


•	Operating return on equity, which is calculated using after-tax operating income or loss and excludes from equity the unrealized gain or loss on securities and net gain on cash flow hedges;


•	Leverage ratio, which excludes the unrealized gain or loss on securities and net gain on cash flow hedges, and the non-recourse debt and associated capital of Northwind Holdings, LLC; and


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



	16

Appendix to Statistical Supplement - Continued

Realized investment gains or losses; non-operating retirement-related gains or losses; unrealized gains or losses on securities and net gains on cash flow hedges 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. We also 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 the comparable GAAP measures in the determination of overall profitability. For a reconciliation of these non-GAAP financial measures to the most directly comparable GAAP measures, refer to the "Reconciliation of Non-GAAP Financial Measures" beginning on page 16.2.

16. 1

Reconciliation of Non-GAAP Financial Measures



	Three Months Ended
	March 31			December 31			September 30		June 30		March 31		December 31		September 30			June 30		March 31
	2015			2014									2013
	(in millions)
Operating Revenue	$	2,662.7		$	2,656.3		$	2,613.1	$	2,630.9	$	2,608.1	$	2,580.8	$	2,570.5		$	2,592.4	$	2,618.1
Net Realized Investment Gain (Loss)	(15.3		)	(17.3		)	1.2		25.9		6.3		9.3		(26.1		)	13.3		10.3
Total Revenue	$	2,647.4		$	2,639.0		$	2,614.3	$	2,656.8	$	2,614.4	$	2,590.1	$	2,544.4		$	2,605.7	$	2,628.4



	After-Tax			Average			Annualized
	Operating			Allocated			Operating
	Income (Loss)			Equity⁽¹⁾			Return
	(in millions)						On Equity
Three Months Ended March 31, 2015
Unum US	$	140.4		$	4,164.9		13.5	%
Unum UK	25.4			631.2			16.1	%
Colonial Life	50.5			1,193.4			16.9	%
Core Operating Segments	216.3			5,989.5			14.4	%
Closed Block	17.5			2,859.7
Corporate	(9.0		)	(998.0		)
Total	$	224.8		$	7,851.2		11.5	%

Three Months Ended March 31, 2014
Unum US	$	136.0		$	4,131.9		13.2	%
Unum UK	29.3			646.0			18.1	%
Colonial Life	51.4			1,144.3			18.0	%
Core Operating Segments	216.7			5,922.2			14.6	%
Closed Block	18.7			2,714.2
Corporate	(12.8		)	(477.4		)
Total	$	222.6		$	8,159.0		10.9	%

⁽¹⁾Excludes unrealized gain on securities and net gain on cash flow hedges and is calculated using the stockholders' equity balances presented on page 16.3.



	16. 2

Reconciliation of Non-GAAP Financial Measures - Continued



	After-Tax			Average
	Operating			Allocated			Operating
	Income (Loss)			Equity⁽²⁾			Return
	(in millions)						On Equity
Year Ended December 31, 2014
Unum US	$	554.9		$	4,157.4		13.3	%
Unum UK	116.4			635.3			18.3	%
Colonial Life	194.4			1,163.1			16.7	%
Core Operating Segments	865.7			5,955.8			14.5	%
Closed Block	79.2			2,756.3
Corporate	(45.8		)	(737.8		)
Total	$	899.1		$	7,974.3		11.3	%

Year Ended December 31, 2013
Unum US	$	556.5		$	4,141.8		13.4	%
Unum UK	104.5			744.3			14.0	%
Colonial Life	184.4			1,122.6			16.4	%
Core Operating Segments	845.4			6,008.7			14.1	%
Closed Block	70.0			2,580.4
Corporate	(44.0		)	(870.4		)
Total	$	871.4		$	7,718.7		11.3	%

⁽²⁾Excludes unrealized gain on securities and net gain on cash flow hedges and is calculated using the stockholders' equity balances presented below.

Average allocated equity is computed as follows:




(in millions)	3/31/2015		12/31/2014		3/31/2014		12/31/2013		12/31/2012
Total Stockholders' Equity, As Reported	$	8,687.9	$	8,521.9	$	8,933.4	$	8,639.9	$	8,604.6
Net Unrealized Gain on Securities	414.3		290.3		325.3		135.7		873.5
Net Gain on Cash Flow Hedges	411.9		391.0		398.0		396.3		401.6
Total Stockholders' Equity, As Adjusted	$	7,861.7	$	7,840.6	$	8,210.1	$	8,107.9	$	7,329.5

	Three Months Ended		Twelve Months Ended		Three Months Ended		Twelve Months Ended
	3/31/15		12/31/2014		3/31/14		12/31/13
Average Stockholders' Equity Excluding Net Unrealized Gain on Securities and Net Gain on Cash Flow Hedges	$	7,851.2	$	7,974.3	$	8,159.0	$	7,718.7

16. 3

Reconciliation of Non-GAAP Financial Measures - Continued



	Three Months Ended March 31
	2015						2014
	(in millions)			per share *			(in millions)			per share *
After-tax Operating Income	$	224.8		$	0.89		$	222.6		$	0.85
Net Realized Investment Gain (Loss), Net of Tax	(10.0		)	(0.04		)	4.1			0.01
Non-operating Retirement-related Loss, Net of Tax	(1.9		)	(0.01		)	(0.9		)	—
Net Income	$	212.9		$	0.84		$	225.8		$	0.86



	Year Ended December 31
	2014
	(in millions)			per share *
After-tax Operating Income	$	899.1		$	3.51
Net Realized Investment Gain, Net of Tax	12.8			0.05
Non-operating Retirement-related Loss, Net of Tax	(45.6		)	(0.18		)
Costs Related to Early Retirement of Debt, Net of Tax	(10.4		)	(0.04		)
LTC Reserve Increase, Net of Tax	(453.8		)	(1.77		)
Net Income	$	402.1		$	1.57

* Assuming Dilution



	March 31						December 31
(in millions)	2015			2014			2014			2013
Debt, As Reported	$	2,755.2		$	2,948.2		$	2,780.6		$	2,612.0
Excluding Non-recourse Debt	369.3			425.0			398.4			440.0
Debt, As Adjusted	$	2,385.9		$	2,523.2		$	2,382.2		$	2,172.0

Total Stockholders' Equity, As Reported	$	8,687.9		$	8,933.4		$	8,521.9		$	8,639.9
Excluding Net Unrealized Gain on Securities and Net Gain on Cash Flow Hedges	826.2			723.3			681.3			532.0
Excluding Northwind Capital	854.5			848.5			849.9			846.4
Equity, As Adjusted	7,007.2			7,361.6			6,990.7			7,261.5
Debt, As Adjusted	2,385.9			2,523.2			2,382.2			2,172.0
Total Capital, As Adjusted	$	9,393.1		$	9,884.8		$	9,372.9		$	9,433.5

Leverage Ratio	25.4		%	25.5		%	25.4		%	23.0		%

16. 4

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