<SEC-DOCUMENT>0001140361-25-040782.txt : 20251106
<SEC-HEADER>0001140361-25-040782.hdr.sgml : 20251106
<ACCEPTANCE-DATETIME>20251106161513
ACCESSION NUMBER:		0001140361-25-040782
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20251106
DATE AS OF CHANGE:		20251106

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Unum Group
		CENTRAL INDEX KEY:			0000005513
		STANDARD INDUSTRIAL CLASSIFICATION:	ACCIDENT & HEALTH INSURANCE [6321]
		ORGANIZATION NAME:           	02 Finance
		EIN:				621598430
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-271511
		FILM NUMBER:		251458492

	BUSINESS ADDRESS:	
		STREET 1:		1 FOUNTAIN SQUARE
		CITY:			CHATTANOOGA
		STATE:			TN
		ZIP:			37402
		BUSINESS PHONE:		423-294-1011

	MAIL ADDRESS:	
		STREET 1:		1 FOUNTAIN SQUARE
		CITY:			CHATTANOOGA
		STATE:			TN
		ZIP:			37402

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNUMPROVIDENT CORP
		DATE OF NAME CHANGE:	19990702

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PROVIDENT COMPANIES INC /DE/
		DATE OF NAME CHANGE:	19961204

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PROVIDENT LIFE & ACCIDENT INSURANCE CO OF AMERICA
		DATE OF NAME CHANGE:	19950407

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Unum Group
		CENTRAL INDEX KEY:			0000005513
		STANDARD INDUSTRIAL CLASSIFICATION:	ACCIDENT & HEALTH INSURANCE [6321]
		ORGANIZATION NAME:           	02 Finance
		EIN:				621598430
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP

	BUSINESS ADDRESS:	
		STREET 1:		1 FOUNTAIN SQUARE
		CITY:			CHATTANOOGA
		STATE:			TN
		ZIP:			37402
		BUSINESS PHONE:		423-294-1011

	MAIL ADDRESS:	
		STREET 1:		1 FOUNTAIN SQUARE
		CITY:			CHATTANOOGA
		STATE:			TN
		ZIP:			37402

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNUMPROVIDENT CORP
		DATE OF NAME CHANGE:	19990702

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PROVIDENT COMPANIES INC /DE/
		DATE OF NAME CHANGE:	19961204

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PROVIDENT LIFE & ACCIDENT INSURANCE CO OF AMERICA
		DATE OF NAME CHANGE:	19950407
</SEC-HEADER>
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<TYPE>FWP
<SEQUENCE>1
<FILENAME>ny20058074x2_fwp.htm
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<TEXT>
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  <div>
    <div style="text-align: right; font-weight: bold;">Filed Pursuant to Rule 433<br>
      Registration No. 333-271511</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;">Issuer Free Writing Prospectus dated November 6, 2025 relating to<br>
      Preliminary Prospectus Supplement dated November 6, 2025 to<br>
      Prospectus dated April 28, 2023</div>
    <div>&#160;</div>
    <div><br>
    </div>
    <div>&#160;</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">Unum Group</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;">Final Term Sheet Relating to<br>
      $300,000,000 Aggregate Principal Amount of<br>
      5.250% Senior Notes due 2035</div>
    <div>&#160;</div>
    <div style="font-style: italic;">This term sheet relates to the senior notes referenced above (the &#8220;notes&#8221;) and should be read together with the preliminary prospectus
      supplement dated November 6, 2025 and the prospectus dated April 28, 2023 (including the documents incorporated by reference therein) relating to the notes offering before making a decision in connection with an investment in the notes. Terms used
      but not defined herein have the meanings ascribed to them in the preliminary prospectus supplement.</div>
    <div>&#160;</div>
    <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zcf76f16a98c54bf3bcfc1c26bf47de61" border="0" cellpadding="0" cellspacing="0">

        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Issuer:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>Unum Group (the &#8220;Issuer&#8221;)</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Expected Issue Ratings:*</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>Baa2 (stable) (Moody&#8217;s) / BBB (stable) (S&amp;P) / BBB (stable) (Fitch)</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Title of Notes:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>5.250% Senior Notes due 2035</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Aggregate Principal Amount Offered:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>$300,000,000 aggregate principal amount of notes</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Denominations:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>$2,000 and integral multiples of $1,000 in excess thereof</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Public Offering Price:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>99.321% of principal amount</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Underwriting Discount:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>0.650% of principal amount</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Proceeds, before Expenses:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>98.671% of principal amount; $296,013,000</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Stated Maturity Date:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>December 15, 2035</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Interest Payment Dates:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>June 15 and December 15, beginning June 15, 2026</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Record Dates:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>June 1 and December 1</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Coupon:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>5.250%</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Redemption Provision:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>At any time prior to September 15, 2035, in whole or in part, at the greater of (i) 100% of the principal amount of the notes being redeemed and (ii)
              a make-whole redemption amount calculated with a discount rate of Treasury plus 20 basis points plus, in either case, accrued and unpaid interest to but excluding the date of redemption.&#160; Par Call at any time on or after September 15, 2035,
              in whole or in part, at 100% of the principal amount of the notes being redeemed plus accrued and unpaid interest to but excluding the date of redemption.</div>
          </td>
        </tr>

    </table>
    <div><br>
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    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Benchmark Treasury:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>4.250% due August 15, 2035</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Benchmark Treasury Price and Yield:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>101-09+; 4.087%</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Spread over Benchmark Treasury:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>T+125 basis points</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Yield to Maturity:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>5.337%</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Day Count Convention:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>30/360</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Legal Format:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>SEC Registered</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>CUSIP Number:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>91529Y AU0</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>ISIN:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>US91529YAU01</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Trade Date:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>November 6, 2025</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Settlement Date**:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>T+5; November 14, 2025</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Listing:</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>None</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30%; vertical-align: top;">
            <div>Joint Book-Running Managers:</div>
            <div>&#160;</div>
            <div>&#160;</div>
          </td>
          <td style="width: 70%; vertical-align: top;">
            <div>Goldman Sachs &amp; Co. LLC&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; <br>
            </div>
            <div>PNC Capital Markets LLC<br>
            </div>
            <div>U.S. Bancorp Investments, Inc.</div>
            <div>Wells Fargo Securities, LLC</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" style="width: 30%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 70%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top;">
            <div style="text-align: center;">_________________________</div>
          </td>
        </tr>

    </table>
    <div> <br>
    </div>
    <div>* A security rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time by the assigning rating
      organization. Each rating should be evaluated independently of any other rating.</div>
    <div>&#160;</div>
    <div>** It is expected that delivery of the notes will be made against payment therefor on or about November 14, 2025, which is the fifth business day following
      the date of the pricing of the notes (such settlement cycle being referred to as &#8220;T+5&#8221;). Under Rule 15c6-1 of the Exchange Act, trades in the secondary market generally are required to settle in one business day unless the parties to any such trade
      expressly agree otherwise. Accordingly, purchasers who wish to trade the notes prior to the date that is one business day preceding the Settlement Date will be required, by virtue of the fact that the notes initially will settle in T+5, to specify an
      alternative settlement cycle at the time of any such trade to prevent failed settlement. Purchasers of the notes who wish to trade the notes during such period should consult their own advisors.</div>
    <div>&#160;</div>
    <div style="text-indent: 36pt;">The Issuer has filed a registration statement (including a prospectus and related preliminary prospectus supplement) with the U.S.
      Securities and Exchange Commission for the offering to which this communication relates. Before you invest, you should read the prospectus in that registration statement, the related preliminary prospectus supplement and other documents the Issuer
      has filed with the SEC for more complete information about the Issuer and this offering. You may obtain these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, the Issuer, any underwriter or any dealer
      participating in this offering will arrange to send you the prospectus and the related preliminary prospectus supplement for this offering if you request them by contacting Goldman Sachs &amp; Co. LLC toll free at 1-866-471-2526, PNC Capital Markets
      LLC toll free at 1-855-881-0697, U.S. Bancorp Investments, Inc. toll free at 1-877-558-2607, and Wells Fargo Securities, LLC toll free at 1-800-645-3751.</div>
    <div>&#160;</div>
    <div style="text-indent: 36pt;">Any disclaimers or other notices that may appear below are not applicable to this communication and should be disregarded.&#160; Such
      disclaimers were automatically generated as a result of this communication being sent via email or another communication system.</div>
    <div>&#160;</div>
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</SEC-DOCUMENT>
