Unum Group (UNM) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello and welcome to the Unum Group 4Q 2025 results and 2026 Outlook. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, simply press star followed by the number 1 on your telephone keypad. If you would like to withdraw your question, press star 1 again. And please limit to one question and one follow-up. I will now turn the call over to Matt Royal. Investor Relations, you may begin. Thank you and good morning. Welcome to Unum Group's fourth quarter 2025 earnings call. Today we'll be discussing full year 2025 results along with highlights from the fourth quarter. We'll also use the time to discuss our outlook for 2026. As such, we've extended our time today to allow for the additional presentation and discussion. Please note today's call may include forward-looking statements and actual results may differ materially, and we are not obligated to update any of these statements. Please refer to our earnings release and our periodic filings with the SEC for a description of factors that could cause actual results to differ from expected results. Yesterday afternoon, Unum released our earnings press release financial supplement and webcast presentation for today's call. All of those materials may also be found on the investor section of our website. Also, please note references made today to core operations sales and premium, including Unum International, are presented on a constant currency basis for comparability period to period. Participating in this morning's conference call are Unum's President and CEO, Rick McKinney, and Chief Financial Officer, Steve Zabel. Following the remarks from Rick and Steve, additional members of ...