Unum vs RGA
This page compares Unum and RGA to illustrate their business models, financial performance, and market context. It presents neutral, accessible information about each company so readers can understand similarities and differences without commentary or hype. Educational content, not financial advice.
This page compares Unum and RGA to illustrate their business models, financial performance, and market context. It presents neutral, accessible information about each company so readers can understand...
Which Baskets Do They Appear In?
Navigating Retirement State By State
A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.
Published: July 1, 2025
Explore BasketWhich Baskets Do They Appear In?
Navigating Retirement State By State
A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.
Published: July 1, 2025
Explore BasketInvestment Analysis
Unum
UNM
Pros
- Unum Group appears undervalued with potential upside of around 54.6%, supported by strong value assessment metrics.
- The company has demonstrated solid long-term share price appreciation with an 18.9% return over the past year and over 388% over five years.
- Unum has a diversified product portfolio including group and individual disability, life insurance, and supplemental benefits across multiple geographic markets.
Considerations
- Recent quarterly results showed a decline in net income and missed earnings expectations, driven by higher costs on disability and life claims in the core US segment.
- The company faces headwinds from increased claim costs which have negatively impacted profitability and caused investor concerns.
- Unum's share price has shown some short-term volatility, including a 3.3% dip in the last month after a prior strong rally.
RGA
RGA
Pros
- RGA holds a strong competitive position in the reinsurance sector, ranking highly among industry peers.
- The company benefits from specialization in reinsurance, providing it with expertise and operational focus distinct from general insurers.
- RGA is recognised for prudent risk management practices which are critical in the cyclical reinsurance industry.
Considerations
- Exposure to the reinsurance market makes RGA susceptible to high volatility due to natural catastrophe events and market cycles.
- The company is sensitive to changes in global economic conditions and regulatory environments which can affect underwriting results.
- Reinsurance pricing pressure and emerging risks such as climate change pose ongoing challenges to profitability.
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