Unum Group (UNM) Q4 2025 Earnings Call

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WEBVTT 00:00:00.706 -- 00:00:05.795 Hello and welcome to the Unum Group 4Q 2025 results and 2026 Outlook. 00:00:05.795 -- 00:00:08.860 All lines have been placed on mute to prevent any background noise. 00:00:08.860 -- 00:00:12.165 After the speaker's remarks, there will be a question and answer session. 00:00:12.165 -- 00:00:15.311 If you would like to ask a question during this time, simply press star followed by the 00:00:15.311 -- 00:00:19.317 number 1 on your telephone keypad. If you would like to withdraw your question, press 00:00:19.317 -- 00:00:23.644 star 1 again. And please limit to one question and one follow-up. 00:00:23.644 -- 00:00:25.448 I will now turn the call over to Matt Royal. 00:00:25.448 -- 00:00:28.670 Investor Relations, you may begin. 00:00:29.461 -- 00:00:34.666 Thank you and good morning. Welcome to Unum Group's fourth quarter 2025 earnings call. 00:00:34.666 -- 00:00:39.611 Today we'll be discussing full year 2025 results along with highlights from the fourth 00:00:39.611 -- 00:00:44.416 quarter. We'll also use the time to discuss our outlook for 2026. 00:00:44.416 -- 00:00:50.141 As such, we've extended our time today to allow for the additional presentation and discussion. 00:00:50.141 -- 00:00:54.105 Please note today's call may include forward-looking statements and actual results may 00:00:54.105 -- 00:00:58.216 differ materially, and we are not obligated to update any of these statements. 00:00:58.216 -- 00:01:02.422 Please refer to our earnings release and our periodic filings with the SEC for a description 00:01:02.422 -- 00:01:07.429 of factors that could cause actual results to differ from expected results. 00:01:07.429 -- 00:01:11.155 Yesterday afternoon, Unum released our earnings press release financial supplement and 00:01:1...