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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Unum Group
Unum Group (UNM) investor relations material
Unum Group KBW Insurance Conference 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.KBW Insurance Conference 2026 summary9 Sep, 2026
Business performance and outlook
Strong performance in core group benefits, with U.S. business sales growth in the teens and Colonial Life gaining momentum.
Top-line margins remain solid; U.K. business performing well but undergoing repricing to improve returns.
Capital generation is robust, with guidance for the year in the $8.60–$8.90 range.
Continued focus on risk reduction in long-term care through organic actions and reinsurance transactions.
Growth expected to continue through 2027, with key focus on third and fourth quarter performance.
Technology and operational investments
Over 70% of U.S. business now features digital connections added since 2023, supporting persistency and customer experience.
Ongoing investment in digital platforms like HR Connect and leave management, with iterative improvements over 7–8 years.
Expense ratio rose post-pandemic due to tech and people investments but has since stabilized and is expected to improve.
Technology investments are ongoing but productivity gains are helping manage costs.
Market and competitive environment
U.S. group benefits market remains highly competitive but stable, with rational pricing and long-term players.
Competitive advantage driven by capabilities, relationships, and service rather than just price.
Customers value pricing stability and service consistency.
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Latest events from Unum Group
- Q2 2026 saw strong core growth and capital returns, but net income fell on investment headwinds.UNM
Q2 2026 - $3.8B LTC reinsurance deal cuts exposure 40%, reinsures 26% of LTC, and boosts capital strength.UNMM&A announcement
- All proposals passed; strong financials, higher dividends, and major risk reduction achieved.UNMAGM 2026
- Q1 2026 net income rose to $232M, with strong sales, robust capital returns, and solid EPS guidance.UNMQ1 2026
- 2026 targets strong growth, capital returns, and tech-driven client experience improvements.UNMUBS Financial Services Conference 2026
- 2026 guidance targets 4%–7% premium growth and 8%–12% EPS growth, with strong capital returns.UNMQ4 2025
- Q3 2025 saw strong core growth and capital returns, but net income dropped on reserve actions.UNMQ3 2025
- Net income and book value per share soared, with robust premium growth and strong capital metrics.UNMQ3 2024
- Raised EPS guidance, strong claims trends, and robust capital support growth and buybacks.UNM2024 KBW Insurance Conference
Next Unum Group earnings date
Q3 20264 Nov, 2026
Unum Group
Next Unum Group earnings date
Q3 20264 Nov, 2026
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Frequently asked questions
Unum Group, provides financial protection benefit solutions in the United States and internationally. It operates in two segments, the Product segment and the International segment. The Product segment provides various employee benefits such as group disability insurance, group life insurance, accidental death and dismemberment insurance, individual critical illness insurance, and voluntary market products; supplemental health insurance; and welfare benefits; as well as annuity products to employer groups in the manufacturing, construction, energy, automotive retailing, government services, staffing/recruiting services, and transportation industries. This segment sells its products directly to employer groups through independent agents.