Unum US Supplemental and Voluntary Operating Results Shown below are financial results and key performance indicators for Unum US supplemental and voluntary product lines. (in millions of dollars, except ratios) Year Ended December 31 2020 % Change 2019 % Change 2018 Adjusted Operating Revenue Premium Income Individual Disability $ 456.0  3.5  % $ 440.7  3.6  % $ 425.4  Voluntary Benefits 875.2  (3.8) 910.2  1.6  895.7  Dental and Vision 255.6  3.9  246.1  21.4  202.8  Total Premium Income 1,586.8  (0.6) 1,597.0  4.8  1,523.9  Net Investment Income 234.3  1.6  230.5  (3.8) 239.5  Other Income 4.9  (22.2) 6.3  31.3  4.8  Total 1,826.0  (0.4) 1,833.8  3.7  1,768.2  Benefits and Expenses Benefits and Change in Reserves for Future Benefits 746.4  (4.3) 780.1  5.7  738.1  Commissions 259.9  (9.4) 287.0  (2.0) 293.0  Deferral of Acquisition Costs (206.2) (16.6) (247.2) (4.0) (257.6) Amortization of Deferred Acquisition Costs 248.6  (2.6) 255.2  8.8  234.5  Other Expenses 323.7  (0.9) 326.5  (5.1) 344.0  Total 1,372.4  (2.1) 1,401.6  3.7  1,352.0  Adjusted Operating Income $ 453.6  5.0  $ 432.2  3.8  $ 416.2  Operating Ratios (% of Premium Income): Benefit Ratios: Individual Disability 48.8  % 50.9  % 50.6  % Voluntary Benefits 42.2  % 41.8  % 42.8  % Dental and Vision 60.6  % 71.1  % 68.5  % Other Expense Ratio 20.4  % 20.4  % 22.6  % Adjusted Operating Income Ratio 28.6  % 27.1  % 27.3  % Persistency: Individual Disability 89.5  % 89.8  % 90.3  % Voluntary Benefits 72.7  % 73.2  % 75.9  % Dental and Vision 85.0  % 82.6  % 84.5  % 68