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    Jack Matson

    Vice President of Equity Research at BMO Capital Markets

    Jack Matson is a Vice President of Equity Research at BMO Capital Markets, specializing in the insurance sector with a focus on life and annuity companies. He covers firms such as Prudential Financial and CNO Financial Group, regularly engaging with company management on earnings calls and providing investment insights to institutional clients. Matson began his equity research career after graduating with a BBA in Finance and Accounting from the University of Michigan's Ross School of Business, and advanced to his current VP role at BMO after prior analyst experience at RBC Capital Markets. He holds FINRA securities licenses and is recognized for delivering detailed industry coverage and timely market commentary.

    Jack Matson's questions to Unum (UNM) leadership

    Jack Matson's questions to Unum (UNM) leadership • Q2 2025

    Question

    Asked about the adoption rate of the HR Connect platform, the competitive landscape for similar offerings, and whether the lower net investment income (NII) run rate in the U.S. business is a continuing trend.

    Answer

    The company did not provide specific percentages for HR Connect adoption but noted it's a growing part of their business and that they have a multi-year head start on competitors. The lower NII in the U.S. is due to a smaller asset base from strong disability performance, a trend that is expected to be relatively stable going forward.

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    Jack Matson's questions to CNO Financial Group (CNO) leadership

    Jack Matson's questions to CNO Financial Group (CNO) leadership • Q2 2025

    Question

    Jack Matson of BMO Capital Markets asked if lower statutory earnings affected the full-year free cash flow outlook. He also requested an update on opportunities with CNO's Bermuda reinsurance company and its potential for ROE accretion.

    Answer

    CFO Paul McDonough affirmed confidence in the full-year free cash flow guidance, explaining that the lower first-half result was due to the timing of tax payments and that cash flow is often lumpy quarter-to-quarter. CEO Gary Bhojwani described progress with the Bermuda entity as positive and confirmed ongoing discussions with regulators, but declined to share specifics to avoid front-running those interactions.

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    Jack Matson's questions to CNO Financial Group (CNO) leadership • Q2 2025

    Question

    Jack Matson questioned if lower statutory earnings in the first half would affect the full-year free cash flow guidance. He also asked for an update on potential transactions with CNO's Bermuda reinsurance company.

    Answer

    CFO Paul McDonough explained that first-half free cash flow was impacted by the timing of tax payments but reaffirmed confidence in the full-year guidance, citing strong trailing twelve-month cash flow. CEO Gary Bhojwani stated that discussions with the Bermuda Monetary Authority are progressing positively but declined to provide further details until a definitive outcome is reached.

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