Unum 2006 Annual Report Download - page 20
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2
• Incidence and recovery rates may be influenced by, among other factors, the rate of unemployment and
consumer confidence, the emergence of new diseases, epidemics, or pandemics, new trends and
developments in medical treatments, the effectiveness of risk management programs, and
implementation of the multistate regulatory settlement agreements and the California Department of
Insurance settlement agreement.
• Insurance reserve liabilities may fluctuate as a result of changes in numerous factors, and such
fluctuations can have material positive or negative effects on net income.
• Retained risks in our reinsurance operations are influenced primarily by the credit risk of the reinsurers
and potential contract disputes. Any material changes in the reinsurers’ credit risk or willingness to
pay according to the terms of the contract may adversely affect our business and the results of
operations in a period.
All subsequent written and oral forward-looking statements attributable to us or any person acting on our behalf are
expressly qualified in their entirety by the cautionary statements contained or referred to in this section. We do not
undertake any obligation to release publicly any revisions to such forward-looking statements to reflect events or
circumstances after the date of this document or to reflect the occurrence of unanticipated events.