UNUM GROUP (NYSE:UNM)

Great article in Seeking Alpha. Very cheap.

Unum is a growing business and with the Voluntary benefits available to supplement what your works give you, it's a winning situation.

claims practices are fraudulent, delliberately slow and unfairly discriminatory..... and publicity wil be highly negative

Strong investment portfolio. Mostly A rated bonds no real estate. Sales will end year the year better than previous estimates. Not involved directly with health care issues.

Just glanced at the chart... similar downtrend in ~2000. Maybe a similar subsequent uptrend after the markets turn bullish again?

While they have a correlation with unemployment in terms of insurable rolls in US, don't think that the current movement is in line with the underlying fundamentals like a lot of other insurers. With a single digit P/E, seems like some rebound is possible here.

Tom Watjen has financially restructured the company and senior management has focused product distribution based on the changing demographics of America's workforce. More focus on voluntary products along with financial discipline will make Unum into a $30 stock in the next 12 months.

http://seekingalpha.com/article/71669-35-stocks-that-ben-graham-would-like-here

Management got greedy in the late 90's and the share holders paid the price. Lesson learned and will retrace to previous highs over the next few years. Good buy and hold at $21.00.

I really feel most legal and civil problems are over.Granted the disability industry is a little slow right now because of the economy.I have conversed with several in the market who sell various products in this area and they are basically happy with Unum.Certainly much more so than two or three years ago.Management has improved.I feel they understand their product better and how too treat there customers better.In some cases adjustors could use a several hour course in conversing with people.Some adjustors really don't care if a caimiant is suffering.Maybe they have not seen suffering up close.All in all things look much more promising.

i am going with WALL STREET on this one

A good dividend, and a good history. This company poses a good value. Still growing in profits, and increasing at a significant rate. This stock could be a nice yielder for the average joe.

One of the largest vendors of disability insurance and workplace benefits. Has finally positioned itself for growth.

Packaging itself for a sale to a stronger Canadian insurer,

I'm picking this one "on a lark" primarily because I'm trying to test for a bug I've reported whereby my pitches get truncated after I submit them. See my MTG & EHLTH picks for an example. Told the Fools above I'd test and see if maybe it is something I am doing in editing my pitches before the final submission.

Unum has be artificially depressed. Much of it's poor performance relates to bad press which the current management team has worked hard to erase. Unum is about to liquidate much of it's debt and just came off a record performance year.

I truely believe UNUM is just now positioned to move out of the undervalued categorie.

Ed Colebeck, President, Benefit Consultants, Inc.

seems to be in a trend to improve