Document

0000005513-17-000040.txt : 20170413 0000005513-17-000040.hdr.sgml : 20170413 20170413082518 ACCESSION NUMBER: 0000005513-17-000040 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 3 CONFORMED PERIOD OF REPORT: 20170413 ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20170413 DATE AS OF CHANGE: 20170413 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: 17759412 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 unm041320178-kcover.htm 8-K Document

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 13, 2017


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 7.01	Regulation FD Disclosure.

On April 13, 2017, Unum Group (the "Company") made available a Supplemental Exhibit to illustrate the changes to the presentation of the Company's prior period operating results as a result of the inclusion of amortization of prior period actuarial gains or losses, a component of the net periodic benefit cost for its pensions and other postretirement benefit plans. The Company previously excluded these amounts from its performance measure of "operating income or loss". Effective January 1, 2017, these amounts are now allocated to the Corporate segment. Amounts for periods prior to January 1, 2017 have been adjusted to conform to current year reporting.

This information is being made available to provide investors with an opportunity to become familiar with the expected impact to the Company's operating results and the presentation thereof prior to the Company's earnings release for the quarter ended March 31, 2017. A copy of the Supplemental Exhibit is furnished as Exhibit 99.1 to this Current Report on Form 8-K.


Item 9.01	Financial Statements and Exhibits.



(d) Exhibits.	The following exhibits are furnished (but not filed) with this report:

99.1	Supplemental Exhibit of Operating Results as Adjusted for Retirement-related Gains or Losses.

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 13, 2017	By:	/s/ J. Paul Jullienne
		Name:	J. Paul Jullienne
		Title:	Vice President, Managing Counsel
			and Corporate Secretary

INDEX TO EXHIBITS



Exhibit No.	Description

99.1	Supplemental Exhibit of Operating Results as Adjusted for Retirement-related Gains or Losses.

EX-99.1 2 unm04132017exhibit991.htm EXHIBIT 99.1 Exhibit

Unum Group

Operating Results as Adjusted for

Retirement-related Gains or Losses

TABLE OF CONTENTS

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

Interim Results are Unaudited



		Page

	Financial Results by Segment	1
	Quarterly Historical Financial Results by Segment	2
	Financial Results and Selected Statistics by Segment
	Unum US	3
	Unum UK	4
	Colonial Life	5
	Closed Block	6
	Corporate	7
	Metrics	8
	Non-GAAP Financial Measures	9


N.M. = not a meaningful percentage

Unum Group Financial Results by Segment - Adjusted for Retirement-related Gains or Losses

We measure and analyze our segment performance on the basis of "operating revenue" and "operating income" or "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 net realized investment gains and losses as specified in the following pages. 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. We previously excluded the amortization of prior period actuarial gains or losses, a component of the net periodic benefit cost for our pension and other postretirement benefit plans. Effective January 1, 2017, the amortization of prior period actuarial gains or losses is now reported in our Corporate segment as a component of "benefit and expenses" and the tax thereon is reported in "income tax" in the following charts. Amounts for periods prior to January, 1, 2017 have been adjusted to conform to current year reporting.



	Three Months Ended						Year Ended
	12/31/2016		12/31/2015		% Change		12/31/2016		12/31/2015		% Change
Premium Income
Unum US	$	1,325.2	$	1,251.6	5.9	%	$	5,240.9	$	4,960.0	5.7	%
Unum UK	121.9		150.4		(18.9	)	529.3		576.2		(8.1	)
Colonial Life	360.4		337.4		6.8		1,417.1		1,338.6		5.9
Closed Block	291.7		298.4		(2.2	)	1,170.4		1,207.6		(3.1	)
	2,099.2		2,037.8		3.0		8,357.7		8,082.4		3.4
Net Investment Income
Unum US	206.3		220.3		(6.4	)	828.7		865.3		(4.2	)
Unum UK	28.8		34.8		(17.2	)	118.1		124.9		(5.4	)
Colonial Life	35.8		35.6		0.6		141.5		145.4		(2.7	)
Closed Block	343.6		340.4		0.9		1,352.2		1,320.0		2.4
Corporate	3.4		5.3		(35.8	)	18.5		25.6		(27.7	)
	617.9		636.4		(2.9	)	2,459.0		2,481.2		(0.9	)
Other Income
Unum US	27.7		28.8		(3.8	)	113.3		119.2		(4.9	)
Unum UK	—		—		—		0.2		—		—
Colonial Life	0.2		—		—		1.2		0.1		N.M.
Closed Block	20.7		21.8		(5.0	)	86.0		89.3		(3.7	)
Corporate	2.4		0.3		N.M.		4.9		2.9		69.0
	51.0		50.9		0.2		205.6		211.5		(2.8	)
Total Operating Revenue
Unum US	1,559.2		1,500.7		3.9		6,182.9		5,944.5		4.0
Unum UK	150.7		185.2		(18.6	)	647.6		701.1		(7.6	)
Colonial Life	396.4		373.0		6.3		1,559.8		1,484.1		5.1
Closed Block	656.0		660.6		(0.7	)	2,608.6		2,616.9		(0.3	)
Corporate	5.8		5.6		3.6		23.4		28.5		(17.9	)
	$	2,768.1	$	2,725.1	1.6		$	11,022.3	$	10,775.1	2.3

Unum Group Financial Results by Segment - Adjusted for Retirement-related Gains or Losses - Continued



	Three Months Ended								Year Ended
	12/31/2016			12/31/2015			% Change		12/31/2016			12/31/2015			% Change
Benefits and Expenses
Unum US	$	1,319.1		$	1,286.5		2.5	%	$	5,268.7		$	5,094.5		3.4	%
Unum UK	120.8			148.2			(18.5	)	519.0			560.5			(7.4	)
Colonial Life	316.5			295.4			7.1		1,245.6			1,175.0			6.0
Closed Block	621.4			632.5			(1.8	)	2,479.1			2,497.8			(0.7	)
Corporate	47.5			43.2			10.0		186.4			165.2			12.8
	2,425.3			2,405.8			0.8		9,698.8			9,493.0			2.2
Income (Loss) Before Income Tax and Net Realized Investment Gain (Loss)
Unum US	240.1			214.2			12.1		914.2			850.0			7.6
Unum UK	29.9			37.0			(19.2	)	128.6			140.6			(8.5	)
Colonial Life	79.9			77.6			3.0		314.2			309.1			1.6
Closed Block	34.6			28.1			23.1		129.5			119.1			8.7
Corporate	(41.7		)	(37.6		)	(10.9	)	(163.0		)	(136.7		)	(19.2	)
	342.8			319.3			7.4		1,323.5			1,282.1			3.2
Income Tax	113.1			90.7			24.7		407.9			388.9			4.9

Income Before Net Realized Investment Gain (Loss), Net of Tax	229.7			228.6			0.5		915.6			893.2			2.5

Net Realized Investment Gain (Loss) (net of tax expense (benefit) of $10.1; $(0.2); $8.4; $(17.7))	18.3			(2.5		)	N.M.		15.8			(26.1		)	160.5

Net Income	$	248.0		$	226.1		9.7		$	931.4		$	867.1		7.4

1. 1

Unum Group Quarterly Historical Financial Results by Segment - Adjusted for Retirement-related Gains or Losses



	12/31/16		9/30/16		6/30/16		3/31/16		12/31/15		9/30/15		6/30/15		3/31/15		12/31/14
Premium Income
Unum US	$	1,325.2	$	1,315.0	$	1,299.4	$	1,301.3	$	1,251.6	$	1,241.8	$	1,236.4	$	1,230.2	$	1,186.8
Unum UK	121.9		127.3		140.8		139.3		150.4		144.6		142.2		139.0		148.9
Colonial Life	360.4		354.1		351.4		351.2		337.4		333.1		335.9		332.2		321.1
Closed Block	291.7		293.0		290.0		295.7		298.4		301.3		303.0		304.9		311.1
	2,099.2		2,089.4		2,081.6		2,087.5		2,037.8		2,020.8		2,017.5		2,006.3		1,967.9
Net Investment Income
Unum US	206.3		207.3		207.7		207.4		220.3		214.3		215.7		215.0		223.2
Unum UK	28.8		28.5		34.0		26.8		34.8		28.0		38.6		23.5		38.7
Colonial Life	35.8		36.1		35.6		34.0		35.6		35.9		36.9		37.0		37.6
Closed Block	343.6		334.1		341.1		333.4		340.4		327.5		331.7		320.4		323.0
Corporate	3.4		5.4		4.9		4.8		5.3		6.4		7.8		6.1		10.2
	617.9		611.4		623.3		606.4		636.4		612.1		630.7		602.0		632.7
Other Income
Unum US	27.7		28.7		27.9		29.0		28.8		28.1		31.4		30.9		30.7
Unum UK	—		—		0.2		—		—		—		—		—		(0.1		)
Colonial Life	0.2		0.4		0.3		0.3		—		0.1		—		—		—
Closed Block	20.7		21.5		21.4		22.4		21.8		21.5		22.8		23.2		22.3
Corporate	2.4		0.9		1.3		0.3		0.3		1.8		0.5		0.3		2.8
	51.0		51.5		51.1		52.0		50.9		51.5		54.7		54.4		55.7
Total Operating Revenue
Unum US	1,559.2		1,551.0		1,535.0		1,537.7		1,500.7		1,484.2		1,483.5		1,476.1		1,440.7
Unum UK	150.7		155.8		175.0		166.1		185.2		172.6		180.8		162.5		187.5
Colonial Life	396.4		390.6		387.3		385.5		373.0		369.1		372.8		369.2		358.7
Closed Block	656.0		648.6		652.5		651.5		660.6		650.3		657.5		648.5		656.4
Corporate	5.8		6.3		6.2		5.1		5.6		8.2		8.3		6.4		13.0
	$	2,768.1	$	2,752.3	$	2,756.0	$	2,745.9	$	2,725.1	$	2,684.4	$	2,702.9	$	2,662.7	$	2,656.3

Unum Group Quarterly Historical Financial Results by Segment - Adjusted for Retirement-related Gains or Losses - Continued



	12/31/16			9/30/16			6/30/16			3/31/16			12/31/15			9/30/15			6/30/15			3/31/15			12/31/14
Benefits and Expenses
Unum US	$	1,319.1		$	1,320.0		$	1,307.8		$	1,321.8		$	1,286.5		$	1,265.5		$	1,280.7		$	1,261.8		$	1,231.2
Unum UK	120.8			127.6			138.1			132.5			148.2			139.9			142.5			129.9			149.3
Colonial Life	316.5			311.6			309.4			308.1			295.4			292.8			295.2			291.6			284.7
Closed Block	621.4			620.0			619.9			617.8			632.5			622.6			620.9			621.8			1,325.2
Corporate	47.5			52.0			45.9			41.0			43.2			38.1			44.6			39.3			38.8
	2,425.3			2,431.2			2,421.1			2,421.2			2,405.8			2,358.9			2,383.9			2,344.4			3,029.2
Income (Loss) Before Income Tax, Net Realized Investment Gain (Loss), and Pension Settlement Loss
Unum US	240.1			231.0			227.2			215.9			214.2			218.7			202.8			214.3			209.5
Unum UK	29.9			28.2			36.9			33.6			37.0			32.7			38.3			32.6			38.2
Colonial Life	79.9			79.0			77.9			77.4			77.6			76.3			77.6			77.6			74.0
Closed Block	34.6			28.6			32.6			33.7			28.1			27.7			36.6			26.7			(668.8		)
Corporate	(41.7		)	(45.7		)	(39.7		)	(35.9		)	(37.6		)	(29.9		)	(36.3		)	(32.9		)	(25.8		)
	342.8			321.1			334.9			324.7			319.3			325.5			319.0			318.3			(372.9		)
Income Tax Expense (Benefit)	113.1			92.4			101.9			100.5			90.7			104.4			98.4			95.4			(143.8		)

Income (Loss) Before Net Realized Investment Gain (Loss) and Pension Settlement Loss, Net of Tax	229.7			228.7			233.0			224.2			228.6			221.1			220.6			222.9			(229.1		)

Net Realized Investment Gain (Loss)	28.4			11.0			5.3			(20.5		)	(2.7		)	(26.6		)	0.8			(15.3		)	(17.3		)
Tax Expense (Benefit) on Net Realized Investment Gain (Loss)	10.1			3.7			1.5			(6.9		)	(0.2		)	(9.3		)	(2.9		)	(5.3		)	(6.1		)

Pension Settlement Loss	—			—			—			—			—			—			—			—			(64.4		)
Tax Benefit on Pension Settlement Loss	—			—			—			—			—			—			—			—			(22.5		)

Net Income (Loss)	$	248.0		$	236.0		$	236.8		$	210.6		$	226.1		$	203.8		$	224.3		$	212.9		$	(282.2	)

Net Income (Loss) Per Common Share - Assuming Dilution	$	1.07		$	1.01		$	1.00		$	0.88		$	0.93		$	0.83		$	0.90		$	0.84		$	(1.12	)

2. 1

Unum Group Financial Results for Unum US Segment



	Three Months Ended						Year Ended
	12/31/2016			12/31/2015			12/31/2016			12/31/2015			12/31/2014
Operating Revenue
Premium Income	$	1,325.2		$	1,251.6		$	5,240.9		$	4,960.0		$	4,659.7
Net Investment Income	206.3			220.3			828.7			865.3			878.9
Other Income	27.7			28.8			113.3			119.2			122.1
Total	1,559.2			1,500.7			6,182.9			5,944.5			5,660.7

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	911.6			890.4			3,624.3			3,476.7			3,288.1
Commissions	140.6			140.4			580.4			562.2			528.7
Deferral of Acquisition Costs	(74.3		)	(76.6		)	(314.1		)	(307.3		)	(292.7		)
Amortization of Deferred Acquisition Costs	61.2			55.9			275.2			272.3			248.1
Other Expenses	280.0			276.4			1,102.9			1,090.6			1,043.6
Total	1,319.1			1,286.5			5,268.7			5,094.5			4,815.8

Operating Income	$	240.1		$	214.2		$	914.2		$	850.0		$	844.9

Operating Ratios (% of Premium Income):
Benefit Ratio	68.8		%	71.1		%	69.2		%	70.1		%	70.6		%
Other Expense Ratio	21.1		%	22.1		%	21.0		%	22.0		%	22.4		%
Operating Income Ratio	18.1		%	17.1		%	17.4		%	17.1		%	18.1		%

Unum Group Financial Results for Unum US Group Disability



	Three Months Ended						Year Ended
	12/31/2016			12/31/2015			12/31/2016			12/31/2015			12/31/2014
Operating Revenue
Premium Income
Group Long-term Disability	$	435.0		$	415.7		$	1,726.6		$	1,644.7		$	1,553.5
Group Short-term Disability	156.9			154.9			626.1			607.4			558.1
Total Premium Income	591.9			570.6			2,352.7			2,252.1			2,111.6
Net Investment Income	118.8			124.6			479.5			496.5			515.9
Other Income	22.9			22.9			91.1			92.9			91.0
Total	733.6			718.1			2,923.3			2,841.5			2,718.5

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	459.8			466.1			1,863.8			1,834.0			1,746.4
Commissions	43.9			43.3			178.2			172.2			161.2
Deferral of Acquisition Costs	(11.1		)	(11.4		)	(46.4		)	(43.2		)	(40.2		)
Amortization of Deferred Acquisition Costs	8.9			8.5			35.9			33.7			26.3
Other Expenses	142.6			145.5			572.1			572.4			550.0
Total	644.1			652.0			2,603.6			2,569.1			2,443.7

Operating Income	$	89.5		$	66.1		$	319.7		$	272.4		$	274.8

Operating Ratios (% of Premium Income):
Benefit Ratio	77.7		%	81.7		%	79.2		%	81.4		%	82.7		%
Other Expense Ratio	24.1		%	25.5		%	24.3		%	25.4		%	26.0		%
Operating Income Ratio	15.1		%	11.6		%	13.6		%	12.1		%	13.0		%

Persistency:
Group Long-term Disability							91.0		%	92.1		%	90.6		%
Group Short-term Disability							87.7		%	88.1		%	89.6		%

3. 1

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



	Three Months Ended						Year Ended
	12/31/2016			12/31/2015			12/31/2016			12/31/2015			12/31/2014
Operating Revenue
Premium Income
Group Life	$	356.4		$	339.9		$	1,410.0		$	1,347.4		$	1,262.3
Accidental Death & Dismemberment	35.5			33.7			140.3			131.7			125.9
Total Premium Income	391.9			373.6			1,550.3			1,479.1			1,388.2
Net Investment Income	27.9			33.1			113.4			135.1			135.2
Other Income	1.2			0.6			4.5			2.1			1.4
Total	421.0			407.3			1,668.2			1,616.3			1,524.8

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	280.1			269.1			1,112.6			1,061.6			975.8
Commissions	32.0			30.7			126.8			121.2			113.3
Deferral of Acquisition Costs	(8.3		)	(8.6		)	(35.7		)	(33.3		)	(31.3		)
Amortization of Deferred Acquisition Costs	7.2			6.6			29.2			26.2			21.4
Other Expenses	53.9			55.2			213.5			215.7			205.2
Total	364.9			353.0			1,446.4			1,391.4			1,284.4

Operating Income	$	56.1		$	54.3		$	221.8		$	224.9		$	240.4

Operating Ratios (% of Premium Income):
Benefit Ratio	71.5		%	72.0		%	71.8		%	71.8		%	70.3		%
Other Expense Ratio	13.8		%	14.8		%	13.8		%	14.6		%	14.8		%
Operating Income Ratio	14.3		%	14.5		%	14.3		%	15.2		%	17.3		%

Persistency:
Group Life							90.7		%	89.2		%	90.8		%
Accidental Death & Dismemberment							90.3		%	89.8		%	91.1		%

3. 2

Unum Group Financial Results for Unum US Supplemental and Voluntary



	Three Months Ended						Year Ended
	12/31/2016			12/31/2015			12/31/2016			12/31/2015			12/31/2014
Operating Revenue
Premium Income
Individual Disability	$	105.9		$	123.0		$	480.3		$	478.9		$	466.1
Voluntary Benefits	194.4			184.4			796.5			749.9			693.8
Dental and Vision	41.1			—			61.1			—			—
Total Premium Income	341.4			307.4			1,337.9			1,228.8			1,159.9
Net Investment Income	59.6			62.6			235.8			233.7			227.8
Other Income	3.6			5.3			17.7			24.2			29.7
Total	404.6			375.3			1,591.4			1,486.7			1,417.4

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	171.7			155.2			647.9			581.1			565.9
Commissions	64.7			66.4			275.4			268.8			254.2
Deferral of Acquisition Costs	(54.9		)	(56.6		)	(232.0		)	(230.8		)	(221.2		)
Amortization of Deferred Acquisition Costs	45.1			40.8			210.1			212.4			200.4
Other Expenses	83.5			75.7			317.3			302.5			288.4
Total	310.1			281.5			1,218.7			1,134.0			1,087.7

Operating Income	$	94.5		$	93.8		$	372.7		$	352.7		$	329.7

Operating Ratios (% of Premium Income):
Benefit Ratios:
Individual Disability	54.7		%	54.1		%	52.9		%	51.8		%	51.6		%
Voluntary Benefits	44.6		%	48.0		%	44.3		%	44.4		%	46.9		%
Dental and Vision	65.9		%	—		%	66.6		%	—		%	—		%
Other Expense Ratio	24.5		%	24.6		%	23.7		%	24.6		%	24.9		%
Operating Income Ratio	27.7		%	30.5		%	27.9		%	28.7		%	28.4		%

Persistency:
Individual Disability							91.1		%	90.3		%	90.0		%
Voluntary Benefits							76.9		%	75.9		%	77.6		%
Dental and Vision							84.6		%	—		%	—		%

3. 3

Unum Group Financial Results for Unum UK Segment



	Three Months Ended						Year Ended
	12/31/2016			12/31/2015			12/31/2016			12/31/2015			12/31/2014
Operating Revenue
Premium Income
Group Long-term Disability	$	81.1		$	100.9		$	355.2		$	397.4		$	418.9
Group Life	24.8			30.9			105.7			121.5			133.2
Supplemental	16.0			18.6			68.4			57.3			55.1
Total Premium Income	121.9			150.4			529.3			576.2			607.2
Net Investment Income	28.8			34.8			118.1			124.9			151.0
Other Income	—			—			0.2			—			—
Total	150.7			185.2			647.6			701.1			758.2

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	82.6			105.3			367.4			394.8			431.0
Commissions	11.0			8.2			38.9			41.8			42.8
Deferral of Acquisition Costs	(2.1		)	(2.4		)	(8.2		)	(9.6		)	(10.5		)
Amortization of Deferred Acquisition Costs	2.3			2.5			9.7			11.3			12.5
Other Expenses	27.0			34.6			111.2			122.2			134.6
Total	120.8			148.2			519.0			560.5			610.4

Operating Income	$	29.9		$	37.0		$	128.6		$	140.6		$	147.8

Unum Group Financial Results for Unum UK Segment - Continued



	Three Months Ended						Year Ended
(in millions of pounds, except exchange rate)	12/31/2016			12/31/2015			12/31/2016			12/31/2015			12/31/2014
Operating Revenue
Premium Income
Group Long-term Disability	£	65.3		£	66.5		£	262.0		£	259.9		£	254.4
Group Life	20.0			20.4			78.0			79.5			80.8
Supplemental	12.9			12.2			50.5			37.5			33.4
Total Premium Income	98.2			99.1			390.5			376.9			368.6
Net Investment Income	23.2			22.9			87.3			81.6			91.6
Other Income	—			—			0.1			—			0.1
Total	121.4			122.0			477.9			458.5			460.3

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	66.4			69.3			270.9			258.1			261.4
Commissions	8.9			5.4			28.9			27.4			26.0
Deferral of Acquisition Costs	(1.7		)	(1.6		)	(6.1		)	(6.3		)	(6.4		)
Amortization of Deferred Acquisition Costs	1.9			1.7			7.2			7.4			7.6
Other Expenses	21.8			22.8			82.2			79.9			81.9
Total	97.3			97.6			383.1			366.5			370.5

Operating Income	£	24.1		£	24.4		£	94.8		£	92.0		£	89.8

Weighted Average Pound/Dollar Exchange Rate	1.241			1.516			1.357			1.528			1.646

Operating Ratios (% of Premium Income):
Benefit Ratio	67.6		%	69.9		%	69.4		%	68.5		%	70.9		%
Other Expense Ratio	22.2		%	23.0		%	21.0		%	21.2		%	22.2		%
Operating Income Ratio	24.5		%	24.6		%	24.3		%	24.4		%	24.4		%

Persistency:
Group Long-term Disability							89.5		%	89.2		%	90.1		%
Group Life							81.3		%	80.0		%	76.0		%
Supplemental							89.9		%	87.7		%	86.6		%

4. 1

Unum Group Financial Results for Colonial Life Segment



	Three Months Ended						Year Ended
	12/31/2016			12/31/2015			12/31/2016			12/31/2015			12/31/2014
Operating Revenue
Premium Income
Accident, Sickness, and Disability	$	210.8		$	197.9		$	830.0		$	789.0		$	759.8
Life	70.4			64.3			273.8			252.4			231.8
Cancer and Critical Illness	79.2			75.2			313.3			297.2			282.1
Total Premium Income	360.4			337.4			1,417.1			1,338.6			1,273.7
Net Investment Income	35.8			35.6			141.5			145.4			145.5
Other Income	0.2			—			1.2			0.1			0.1
Total	396.4			373.0			1,559.8			1,484.1			1,419.3

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	185.2			172.8			726.4			683.0			660.6
Commissions	80.3			75.7			313.6			293.5			262.3
Deferral of Acquisition Costs	(69.0		)	(65.6		)	(270.1		)	(252.8		)	(220.8		)
Amortization of Deferred Acquisition Costs	52.3			48.5			208.1			198.7			180.2
Other Expenses	67.7			64.0			267.6			252.6			238.0
Total	316.5			295.4			1,245.6			1,175.0			1,120.3

Operating Income	$	79.9		$	77.6		$	314.2		$	309.1		$	299.0

Operating Ratios (% of Premium Income):
Benefit Ratio	51.4		%	51.2		%	51.3		%	51.0		%	51.9		%
Other Expense Ratio	18.8		%	19.0		%	18.9		%	18.9		%	18.7		%
Operating Income Ratio	22.2		%	23.0		%	22.2		%	23.1		%	23.5		%

Persistency:
Accident, Sickness, and Disability							75.6		%	74.8		%	75.5		%
Life							85.0		%	84.9		%	85.2		%
Cancer and Critical Illness							82.9		%	81.2		%	83.5		%

Unum Group Financial Results for Closed Block Segment



	Three Months Ended						Year Ended
	12/31/2016			12/31/2015			12/31/2016			12/31/2015			12/31/2014
Operating Revenue
Premium Income
Individual Disability	$	127.9		$	139.4		$	521.9		$	572.4		$	624.8
Long-term Care	161.9			158.5			643.9			633.5			630.9
All Other	1.9			0.5			4.6			1.7			0.9
Total Premium Income	291.7			298.4			1,170.4			1,207.6			1,256.6
Net Investment Income	343.6			340.4			1,352.2			1,320.0			1,281.5
Other Income	20.7			21.8			86.0			89.3			91.8
Total	656.0			660.6			2,608.6			2,616.9			2,629.9

Benefits and Expenses
Benefits and Change in Reserves for Future Benefits	556.5			566.7			2,223.7			2,228.3			2,931.1
Commissions	23.1			24.2			93.8			98.8			101.5
Interest and Debt Expense	1.8			1.6			6.9			6.6			7.3
Other Expenses	40.0			40.0			154.7			164.1			168.2
Total	621.4			632.5			2,479.1			2,497.8			3,208.1

Income (Loss) Before Income Tax and Net Realized Investment Gains and Losses	34.6			28.1			129.5			119.1			(578.2		)
Long-term Care Reserve Increase	—			—			—			—			698.2
Operating Income	$	34.6		$	28.1		$	129.5		$	119.1		$	120.0

Interest Adjusted Loss Ratios:
Individual Disability	84.7		%	87.2		%	83.6		%	82.8		%	83.6		%
Long-term Care	89.1		%	89.7		%	91.1		%	87.6		%	196.6		%
Long-term Care Excluding the Reserve Increase													85.9		%

Operating Ratios (% of Premium Income):
Other Expense Ratio	13.7		%	13.4		%	13.2		%	13.6		%	13.4		%
Income (Loss) Ratio	11.9		%	9.4		%	11.1		%	9.9		%	(46.0		)%
Operating Income Ratio	11.9		%	9.4		%	11.1		%	9.9		%	9.5		%

Persistency:
Individual Disability							90.9		%	90.9		%	91.3		%
Long-term Care							94.8		%	95.7		%	95.4		%

Unum Group Financial Results for Corporate Segment - Adjusted for Retirement-related Gains or Losses



	Three Months Ended						Year Ended
	12/31/2016			12/31/2015			12/31/2016			12/31/2015			12/31/2014
Operating Revenue
Net Investment Income	$	3.4		$	5.3		$	18.5		$	25.6		$	35.3
Other Income	2.4			0.3			4.9			2.9			5.0
Total	5.8			5.6			23.4			28.5			40.3

Interest and Other Expenses*	47.5			43.2			186.4			165.2			163.5

Operating Loss Including Costs Related to Early Retirement of Debt	(41.7		)	(37.6		)	(163.0		)	(136.7		)	(123.2		)
Costs Related to Early Retirement of Debt	—			—			—			—			13.2
Operating Loss	$	(41.7	)	$	(37.6	)	$	(163.0	)	$	(136.7	)	$	(110.0	)

* Effective January 1, 2017, the amortization of prior period actuarial gains or losses is now reported in our Corporate segment as a component of "interest and other expenses." Prior period amounts have been adjusted to conform to current year reporting. See page 1.

Unum Group Metrics - Adjusted for Retirement-related Gains or Losses



	Three Months Ended
	12/31/2016		9/30/2016		6/30/2016		3/31/2016		12/31/2015		9/30/2015		6/30/2015		3/31/2015		12/31/2014
After-tax Operating Earnings Per Share - Assuming Dilution	$	0.99	$	0.98	$	0.98	$	0.94	$	0.94	$	0.90	$	0.88	$	0.88	$	0.89



Three Months Ended		Year Ended
12/31/2016	12/31/2015	12/31/2016	12/31/2015	12/31/2014



Operating Return on Equity
Unum US	15.4	%	13.1	%	15.0	%	13.3	%	13.3	%
Unum UK	15.1	%	20.6	%	18.6	%	18.0	%	18.3	%
Colonial Life	17.1	%	16.4	%	17.4	%	16.6	%	16.7	%
Core Operating Segments	15.7	%	14.6	%	15.9	%	14.5	%	14.5	%
Consolidated	11.2	%	11.4	%	11.2	%	11.2	%	11.2	%

Unum Group Non-GAAP Financial Measures - Adjusted for Retirement-related Gains or Losses

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:


•	Consolidated operating revenue, which excludes realized investment gains or losses;


•	After-tax operating income or loss, which excludes realized investment gains or losses and certain other items, as applicable;


•	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.

Realized investment 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. 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 the most directly comparable GAAP measures to these non-GAAP financial measures, refer to the "Reconciliation of Non-GAAP Financial Measures" beginning on page 9.1.

Unum Group Reconciliation of Non-GAAP Financial Measures - Adjusted for Retirement-related Gains or Losses



	Three Months Ended
	December 31		September 30		June 30		March 31			December 31			September 30			June 30		March 31			December 31
	2016									2015											2014
Total Revenue	$	2,796.5	$	2,763.3	$	2,761.3	$	2,725.4		$	2,722.4		$	2,657.8		$	2,703.7	$	2,647.4		$	2,639.0
Excluding:
Net Realized Investment Gain (Loss)	28.4		11.0		5.3		(20.5		)	(2.7		)	(26.6		)	0.8		(15.3		)	(17.3		)
Operating Revenue	$	2,768.1	$	2,752.3	$	2,756.0	$	2,745.9		$	2,725.1		$	2,684.4		$	2,702.9	$	2,662.7		$	2,656.3

9. 1

Unum Group Reconciliation of Non-GAAP Financial Measures - Adjusted for Retirement-related Gains or Losses - Continued



	After-Tax Operating Income (Loss)			Average Allocated Equity⁽¹⁾			Operating Return on Equity


Year Ended December 31, 2016
Unum US	$	598.3		$	3,992.2		15.0	%
Unum UK	113.8			610.6			18.6	%
Colonial Life	204.9			1,173.9			17.4	%
Core Operating Segments	917.0			5,776.7			15.9	%
Closed Block	87.0			3,055.1
Corporate	(88.4		)	(691.0		)
Total	$	915.6		$	8,140.8		11.2	%

Year Ended December 31, 2015
Unum US	$	557.5		$	4,197.8		13.3	%
Unum UK	116.9			650.6			18.0	%
Colonial Life	201.1			1,209.4			16.6	%
Core Operating Segments	875.5			6,057.8			14.5	%
Closed Block	79.0			2,989.2
Corporate	(61.3		)	(1,085.9		)
Total	$	893.2		$	7,961.1		11.2	%

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	(49.5		)	(737.8		)
Total	$	895.4		$	7,974.3		11.2	%

⁽¹⁾Excludes unrealized gain on securities and net gain on cash flow hedges and is calculated using the stockholders' equity balances presented on page 9.3. We updated our internal allocation formula used to determine allocated stockholders' equity for certain of our product lines within our operating segments, and, as a result, we are computing the average allocated equity for 2016 using internally allocated equity which was updated effective January 1, 2016. As a result, average equity for the year ended December 31, 2016 for certain of our segments will not compute using the historical allocated equity at December 31, 2015. There was no impact on total allocated equity or total average allocated equity.

9. 2

Unum Group Reconciliation of Non-GAAP Financial Measures - Adjusted for Retirement-related Gains or Losses - Continued



	After-Tax Operating Income (Loss)			Average Allocated Equity⁽²⁾			Operating Return on Equity


Three Months Ended December 31, 2016
Unum US	$	157.6		$	4,088.4		15.4	%
Unum UK	22.2			585.6			15.1	%
Colonial Life	52.2			1,217.7			17.1	%
Core Operating Segments	232.0			5,891.7			15.7	%
Closed Block	23.1			3,146.9
Corporate	(25.4		)	(827.2		)
Total	$	229.7		$	8,211.4		11.2	%

Three Months Ended December 31, 2015
Unum US	$	140.4		$	4,273.3		13.1	%
Unum UK	34.6			671.9			20.6	%
Colonial Life	50.5			1,231.4			16.4	%
Core Operating Segments	225.5			6,176.6			14.6	%
Closed Block	18.6			3,104.1
Corporate	(15.5		)	(1,231.2		)
Total	$	228.6		$	8,049.5		11.4	%

⁽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:




	12/31/2016		9/30/2016		12/31/2015		9/30/2015		12/31/2014		12/31/2013
Total Stockholders' Equity, As Reported	$	8,968.0	$	9,361.2	$	8,663.9	$	8,581.1	$	8,521.9	$	8,639.9
Excluding:
Net Unrealized Gain on Securities	440.6		803.2		204.3		158.6		290.3		135.7
Net Gain on Cash Flow Hedges	327.5		335.2		378.0		405.1		391.0		396.3
Total Stockholders' Equity, As Adjusted	$	8,199.9	$	8,222.8	$	8,081.6	$	8,017.4	$	7,840.6	$	8,107.9

	Twelve Months Ended		Three Months Ended		Twelve Months Ended		Three Months Ended		Twelve Months Ended
	12/31/2016				12/31/2015				12/31/2014
Average Stockholders' Equity Excluding Net Unrealized Gain on Securities and Net Gain on Cash Flow Hedges	$	8,140.8	$	8,211.4	$	7,961.1	$	8,049.5	$	7,974.3

9. 3

Unum Group Reconciliation of Non-GAAP Financial Measures - Adjusted for Retirement-related Gains or Losses - Continued



	Three Months Ended
	12/31/2016				9/30/2016				6/30/2016				3/31/2016
	(in millions)		per share*		(in millions)		per share*		(in millions)		per share*		(in millions)			per share*
Net Income	$	248.0	$	1.07	$	236.0	$	1.01	$	236.8	$	1.00	$	210.6		$	0.88
Excluding:
Net Realized Investment Gain (Loss) (net of tax expense (benefit) of $10.1; $3.7; $1.5; $(6.9))	18.3		0.08		7.3		0.03		3.8		0.02		(13.6		)	(0.06		)
After-tax Operating Income	$	229.7	$	0.99	$	228.7	$	0.98	$	233.0	$	0.98	$	224.2		$	0.94



	Three Months Ended
	12/31/2015						9/30/2015						6/30/2015				3/31/2015
	(in millions)			per share*			(in millions)			per share*			(in millions)		per share*		(in millions)			per share*
Net Income	$	226.1		$	0.93		$	203.8		$	0.83		$	224.3	$	0.90	$	212.9		$	0.84
Excluding:
Net Realized Investment Gain (Loss) (net of tax benefit of $0.2; $9.3; $2.9; $5.3)	(2.5		)	(0.01		)	(17.3		)	(0.07		)	3.7		0.02		(10.0		)	(0.04		)
After-tax Operating Income	$	228.6		$	0.94		$	221.1		$	0.90		$	220.6	$	0.88	$	222.9		$	0.88



	Three Months Ended
	12/31/2014
	(in millions)			per share*
Net Loss	$	(282.2	)	$	(1.12	)
Excluding:
Net Realized Investment Loss (net of tax benefit of $6.1)	(11.2		)	(0.04		)
Pension Settlement Loss (net of tax benefit of $22.5)	(41.9		)	(0.17		)
Long-term Care Reserve Increase (net of tax benefit of $244.4)	(453.8		)	(1.80		)
After-tax Operating Income	$	224.7		$	0.89

*Assuming Dilution.

9. 4

Unum Group Reconciliation of Non-GAAP Financial Measures - Adjusted for Retirement-related Gains or Losses - Continued



	Year Ended December 31
	2016				2015						2014
	(in millions)		per share *		(in millions)			per share *			(in millions)			per share *
Net Income	$	931.4	$	3.95	$	867.1		$	3.50		$	402.1		$	1.57
Excluding:
Net Realized Investment Gain (Loss) (net of tax expense (benefit) of $8.4; $(17.7); $3.3)	15.8		0.07		(26.1		)	(0.11		)	12.8			0.05
Pension Settlement Loss (net of tax benefit of $-; $-; $22.5)	—		—		—			—			(41.9		)	(0.16		)
Costs Related to Early Retirement of Debt (net of tax benefit of $-; $-; $2.8)	—		—		—			—			(10.4		)	(0.04		)
Long-term Care Reserve Increase (net of tax benefit of $-; $-; $244.4)	—		—		—			—			(453.8		)	(1.77		)
After-tax Operating Income	$	915.6	$	3.88	$	893.2		$	3.61		$	895.4		$	3.49

*Assuming Dilution.

9. 5

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