Key Takeaways Q2 premiums rose 4.6% to $2.7B, but higher costs drove a 7.6% jump in benefits and expenses.ROE of 13.44% lagged the industry's 15.02%, signaling weaker capital efficiency.Unum missed earnings estimates in each of the last four quarters, averaging a 4.2% shortfall.Unum Group (UNM) holds the top position in the U.S. disability income market and ranks second in voluntary business. Unum's conservative pricing and reservation practices have contributed to overall profitability. Sustained increase ...