80/ 100
Capital adequacy — cross-regime normalized
Strong
Reported under US RBC — normalized to a common 0–100 band so US, Canadian and European insurers compare like-for-like. Open methodology; see sourcing below.
Capital & Solvency
| Capital adequacy (normalized) | Strong (80/100) |
| RBC ratio | 455% |
| Statutory surplus | $3.5B |
| Total adjusted capital | $4.9B |
| Prism ratio (avail/target) | 3.40x |
| Regulatory action level | none |
Curated from public statutory filings (point-in-time). Live refresh pending.
Financial Strength Ratings
| AM BEST | A- | Stable |
| SP | BBB | Stable |
| MOODYS | Baa2 | Stable |
| FITCH | BBB+ | Stable |
| Composite | AA | 66/100 |
Curated public rating actions, late-2024/2025.
Reinsurance & capital structurehow reserve risk is financed
Unum Group cedes externally to Fortitude Reinsurance Company Ltd., Commonwealth Annuity and Life Insurance Company, Jackson National Life Insurance Company. Its capital adequacy is Strong (80/100, RBC 455%).
Cedes externally to
Fortitude Reinsurance Company Ltd.Commonwealth Annuity and Life Insurance CompanyJackson National Life Insurance CompanyNational Indemnity CompanyRGA Reinsurance CompanySwiss Re Life & Health
Affiliated captives from the Exhibit 21 entity list; external cedants from the firm's counterparty map; capital from public statutory/regulatory filings. Indicative.