Unum Group (UNM) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:05.057 Hello, and thank you for standing by. My name is Bella, and I will be your conference 00:00:05.057 -- 00:00:10.144 operator today. At this time, I would like to welcome everyone to Unum 00:00:10.144 -- 00:00:12.447 Group 3Q 2025 00:00:12.447 -- 00:00:17.774 Earnings Conference Call. All lines have been placed on mute to prevent any background 00:00:17.774 -- 00:00:23.761 noise. After the speaker's remarks, there will be a question and answer session. 00:00:23.761 -- 00:00:29.630 We do request for today's session that you please limit to one question and one follow-up. 00:00:29.630 -- 00:00:34.876 If you would like to ask a question during this time, simply press star, then the number 00:00:34.876 -- 00:00:39.521 one on your telephone keypad. To withdraw your question, press star one again. 00:00:39.521 -- 00:00:44.908 I would now like to turn the conference over to Matt Royal, head of investor 00:00:44.908 -- 00:00:46.510 relations. You may begin. 00:00:46.510 -- 00:00:48.510 Thank 00:00:48.572 -- 00:00:52.717 you, Bella, and good morning to everyone. Welcome to Unum Group's third quarter 2025 00:00:52.717 -- 00:00:58.132 earnings call, which will include discussion of our annual reserve assumption review. 00:00:58.132 -- 00:01:02.657 Please note that today's call may include forward-looking statements and actual results, 00:01:02.657 -- 00:01:08.083 which are subject to risks and uncertainties, may differ materially, and we are not obligated 00:01:08.083 -- 00:01:12.688 to update any of these statements. Please refer to our earnings release and our periodic 00:01:12.688 -- 00:01:17.674 filings with the SEC for a description of factors that could cause actual results to 00:01:17.674 -- 00:01:20.076 differ from expected results. 00:...