Unum 2008 Annual Report Download - page 65
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61
The Colonial Life segment includes insurance for accident, sickness, and disability products, life products, and cancer and critical illness
products issued primarily by Colonial Life & Accident Insurance Company and marketed to employees at the workplace through an agency
sales force and brokers.
Operating Results
Shown below are financial results and key performance indicators for the Colonial Life segment.
Year Ended December 31
(in millions of dollars, except ratios) 2007 % Change 2006
Premium Income
Accident, Sickness, and Disability $ 566.6 6.2)% $ 533.3
Life 143.5 10.0 130.5
Cancer and Critical Illness 197.1 10.5 178.3
Total Premium Income 907.2 7.7 842.1
Net Investment Income 99.9 6.7 93.6
Other Income 0.9 (18.2) 1.1
1,008.0 7.6 936.8
Benefits and Change in Reserves for Future Benefits 437.8 (0.8) 441.4
Commissions 201.6 9.0 184.9
Deferral of Acquisition Costs (210.9) 12.4 (187.6)
Amortization of Deferred Acquisition Costs 153.9 6.6 144.4
Other Expenses 179.8 16.0 155.0
762.2 3.3 738.1
$ 245.8 23.7 $ 198.7
Operating Ratios (% of Premium Income):
Benefit Ratio 48.3% 52.4%
Other Expense Ratio 19.8% 18.4%
Before-tax Operating Income Ratio 27.1% 23.6%
Premium Persistency:
Accident, Sickness, and Disability 75.9% 74.9%
Life 83.8% 84.2%
Cancer and Critical Illness 84.1% 82.3%