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Unum Group substantively modified three risk factor disclosures in its 2024 10-K, including updated language on pandemic impacts, ESG standard implementation, and actuarial experience variances, while maintaining 26 unchanged risks and adding or removing no risk categories. The modifications appear focused on refining existing risk articulations rather than introducing fundamentally new exposure areas or eliminating previously disclosed concerns.

Classification is based on semantic text similarity scoring and may include approximations. “No match” means no high-confidence textual match was found — not necessarily that a section was removed.

🟡 Modified Pandemics and other public health issues can negatively impact certain aspects of our business and, depending on severity and duration, could have a material adverse effect on our financial position, results of operations, liquidity and capital resources, and overall business operations. 🔒

🟡 Modified Our actions to incorporate environmental, social, and governance standards may not meet expectations of investors, regulators, customers, employees, and other stakeholders. 🔒

🟡 Modified Actual experience may differ from our reserve and deferred acquisition costs (DAC) assumptions which may adversely affect our results of operations or financial condition. 🔒

3 changes in this historical filing

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