A portfolio of stocks I've been building since September 3 is named Volio Folio. It will eventually hold 52 dividend dogs. Volio is the fifth portfolio I've built (at a one dividend dog per-week pace) since 2014. Five portfolios = V for Volio!

I'm reviewing today the second of five financial services stocks striving to be picked to join the Volio folio collection. This could be the seventh pick for Volio!

That financial sector includes twenty industries ranging from Asset Management to 8 kinds of Banks, Credit, Exchanges, 6 kinds of Insurance, Savings, and all such financial institutions.

My subject today is a mid cap insurance- life company, Unum Group Their trading ticker symbol is UNM. This is my first report on UNM.

Unum Group is a provider of group and individual income protection insurance products in the United States and the United Kingdom.

It is the largest domestic disability insurer, with the majority of premiums generated from employer plans. The company also offers a complementary portfolio of other insurance products, including long-term care insurance, life insurance, and employer- and employee-paid group benefits. The firm markets its products primarily through brokers.

The company was founded in 1848 and is based in Chattanooga, Tennessee.

I use three key data points to gauge dividend-paying equities or funds like Unum Group (UNM):

(1) Price

(2) Dividends

(3) Returns

Besides those three, several other keys will finally unlock an equity or fund in which to invest, or not.

Those three basic keys, however, best tell whether a company has made, is making, and will make money.

UNM Price

Unum's price per share closed at $28.14 yesterday. A year ago its price was $37.99. So, in the past year, its price dropped $9.85 or 25.9%.

Assuming Unum's stock trades in the range of $28.00 to $36.00 this next year, Unum's recent $28.14 price could rise by $4.86 and get to $33.00 by mid-October, 2020, assuming some upward price momentum continues.

UNM Dividends

Unum's latest declared quarterly dividend was $0.285, paid August 16th.

That $0.285 Q dividend equates to $1.14 annually and yields 4.05% based on yesterday's $28.14 closing price.

UNM Gains?

Adding the $1.14 annual estimated dividend to my $4.86 estimate ofCommunity's price upside shows a $6.00 potential gross gain, per share, which will be reduced by costs to trade these shares.

Say we put a little over $1,000.00 today into Unum Group at its recent $28.14 price, we'd buy 36 shares of UNM.

A $10 broker fee paid half at purchase and half at sale might cost us about$0.28 per share.

Subtract that $0.28 brokerage cost from the estimated $6.00 gross estimated gain leaves a net gain of $5.72 X 36 shares = $205.92 or a 20.6% net gain on a $1,013.04 investment.

Therefore, Unum Group, whose trading ticker symbol is UNM now shows a possible net gain of 20.6% including a 4.05% dividend yield. It could be more, it could be less.

The above speculation is based on past year performance. The actual results remain to be seen to learn if Unum Group (UNM) is worth your time and money.