the reinsurance agreements significantly decreased premium income and benefit payments for group life during 2013 and also reduced volatility in this line of business . the decline in the benefit ratio for unum uk to 74.3 percent in 2013 from 77.9 percent , in 2012 was due primarily to improved risk results in the group life product line . unum uk sales in 2013 decreased 18.7 percent , in local currency , in 2013 compared to 2012 due primarily to lower group life sales as we continued to execute our plans to improve new business pricing and reposition our group life business for better margins and greater stability . persistency declined , as expected , primarily as a result of pursuing rate increases on renewing business . 32 our colonial life segment reported a decrease in operating income , including the 2013 reserve increase related to unclaimed death benefits , of 3.5 percent in 2013 compared to 2012. operating income excluding this reserve adjustment increased 3.9 percent in 2013 , with higher operating revenue and stable risk results . premium income grew 3.2 percent in 2013 compared to 2012. the 2013 benefit ratio for colonial life was 54.1 percent , and excluding the reserve increase was 52.5 percent , consistent with the level of 2012. colonial life sales increased 1.6 percent in 2013 compared to 2012 , driven by higher large case commercial market sales . persistency in 2013 declined slightly but remains strong for all lines of business . our closed block segment reported an increase in operating income of 14.6 percent in 2013 relative to 2012. net investment income increased 3.4 percent in 2013 compared to 2012 due to higher invested asset levels . risk results in 2013 were slightly favorable for both individual disability and long-term care relative to the prior year . our investment portfolio continues to perform well , and our invested asset quality remains strong . the net unrealized gain on our fixed maturity securities was $ 4.1 billion at december 31 , 2013 compared to $ 7.2 billion at december 31 , 2012 , with the decline due primarily to an increase in u.s. treasury rates during 2013. we believe our capital and financial positions are strong . at december 31 , 2013 , the risk-based capital ( rbc ) ratio for our traditional u.s. insurance subsidiaries , calculated on a weighted average basis using the naic company action level formula , was approximately 405 percent , compared to 396 percent at december 31 , 2012. during 2013 , we repurchased 11.2 million shares of unum group common stock at a cost of $ 318.6 million under our share repurchase program . cash equivalents and marketable securities held at unum group and our other intermediate holding companies are a significant source of liquidity for us and were approximately $ 514 million at december 31 , 2013 , relative to $ 805 million at december 31 , 2012. the decline was due primarily to repurchases of our common stock and a capital contribution related to our 2013 re-domestication of a captive reinsurance subsidiary . 2013 unclaimed death benefits reserve increase beginning in 2011 , a number of state regulators began requiring insurers to cross-check specified insurance policies with the social security administration 's death master file to identify potential matches . if a potential match was identified , insurers were requested to determine if benefits were due , locate beneficiaries , and make payments where appropriate . we initiated this process where requested , and in 2012 we began implementing this process in all states on a forward-looking basis . we believe adopting this process , which reflects an evolving regulatory and industry practice , is in the best interest of our customers . therefore , in addition to implementing this on a forward-looking basis , in 2013 we began an initiative to search for potential claims from previous years . during the fourth quarter of 2013 , we completed our assessment of benefits which we estimate will be paid under this initiative , and as such , established additional reserves for payment of these benefits . claim reserves were increased $ 49.1 million for unum us group life , $ 26.3 million for unum us voluntary life , and $ 20.1 million for colonial life voluntary life , for a total reserve increase of $ 95.5 million . these reserve adjustments decreased net income $ 62.1 million . although the legal and regulatory environment continues to evolve , we believe our decision to adopt this claims practice and establish additional reserves is in the best interests of our customers . 2013 group life waiver of premium benefit reserve reduction within our unum us segment , we offer group life insurance coverage which consists primarily of renewable term life insurance and includes a provision for waiver of premium , if disabled . the group life waiver of premium benefit ( group life waiver ) provides for continuation of life insurance coverage when an insured , or the employer on behalf of the insured , is no longer paying premium because the employee is not actively at work due to a disability . the group life waiver claim reserve is the present value of future anticipated death benefits reflecting the probability of death while remaining disabled . claim reserves are calculated using assumptions based on past experience adjusted for current trends and any other factors that would modify past experience and are subject to revision as current claim experience emerges and alters our view of future expectations . the two fundamental assumptions in the development of the group life waiver reserve are mortality and recovery . our emerging experience and that which continues to emerge within the industry indicate an increase in life expectancies , which decreases the ultimate anticipated death benefits to be paid under the group life waiver benefit . story_separator_special_tag if we believe , based on our actual experience and our view of future events , that our long-term assumptions need to be modified , we adjust our reserves accordingly with a charge or credit to our current period income . multiple estimation methods exist to establish claim reserve liabilities , with each method having its own advantages and disadvantages . available reserving methods utilized to calculate claim reserves include the tabular reserve method , the paid development method , the incurred loss development method , the count and severity method , and the expected claim cost method . no single method is better than the others in all situations and for all product lines . the estimation methods we have chosen are those that we believe produce the most reliable reserves . claim reserves supporting our unum us group and individual disability product lines and our closed block individual disability and individual and group long-term care product lines represent approximately 35.3 percent and 47.2 percent , respectively , of our total claim reserves at december 31 , 2013. we use a tabular reserve methodology for group and individual long-term disability and group and individual long-term care claims that have been reported . under the tabular reserve methodology , reserves for reported claims are based on certain characteristics of the actual reported claimants , such as age , length of time disabled , and medical diagnosis . we believe the tabular reserve method is the most accurate to calculate long-term liabilities and allows us to use the most available known facts about each claim . ibnr claim reserves for our long-term products are calculated using the count and severity method using historical patterns of the claims to be reported and the associated claim costs . for unum us group short-term disability products , an estimate of the value of future payments to be made on claims already submitted , as well as ibnr claims , is determined in aggregate rather than on the individual claimant basis that we use for our long-term products , using historical patterns of claim incidence as well as historical patterns of aggregate claim resolution rates . the average length of time between the event triggering a claim under a policy and the final resolution of those claims is much shorter for these products than for our long-term liabilities and results in less estimation variability . claim reserves supporting the unum us group life and accidental death and dismemberment products represent approximately 3.7 percent of our total claim reserves at december 31 , 2013. claim reserves for these products are related primarily to death claims reported but not yet paid , ibnr death claims , and a liability for waiver of premium benefits . the death claim reserve is based on the actual face amount to be paid , the ibnr reserve is calculated using the count and severity method , and the waiver of premium benefits reserve is calculated using the tabular reserve methodology . claim reserves supporting our unum uk segment represent approximately 10.0 percent of our total claim reserves at december 31 , 2013 , and are calculated using generally the same methodology that we use for unum us disability and group life reserves . the assumptions used in calculating claim reserves for this line of business are based on standard united kingdom industry experience , adjusted for unum uk 's own experience . the majority of the colonial life segment lines of business have short-term benefits , which generally have less estimation variability than our long-term products because of the shorter claim payout period . our claim reserves for colonial life 's lines of business , which approximate 1.7 percent of our total claim reserves at december 31 , 2013 , are predominantly determined using the incurred loss development method based on our own experience . the incurred loss development method uses the historical patterns of payments by loss date to predict future claim payments for each loss date . where the incurred loss development method may not be appropriate , we estimate the incurred claims using an expected claim cost per policy or other measure of exposure . the key assumptions for claim reserves for the colonial life lines of business are : ( 1 ) the timing , rate , and amount of estimated future claim payments ; and ( 2 ) the estimated expenses associated with the payment of claims . 37 the following table displays policy reserves , incurred claim reserves , and ibnr claim reserves by major product line , with the summation of the policy reserves and claim reserves shown both gross and net of the associated reinsurance recoverable . incurred claim reserves represent reserves determined for each incurred claim and also include estimated amounts for litigation expenses and other expenses associated with the payment of the claims as well as provisions for claims which we estimate will be reopened for our long-term care products . ibnr claim reserves include provisions for incurred but not reported claims and a provision for reopened claims for our disability products . the ibnr and reopened claim reserves for our disability products are developed and maintained in aggregate based on historical monitoring that has only been on a combined basis . impacting year ov er year comparability of claim reserves in the following chart are the 2013 reserve adjustments for unclaimed death benefits and group life waiver of premium benefits . see `` executive summary `` contained in this item 7 and note 6 of the `` notes to consolidated financial statements `` contained herein in item 8 for further discussion of these reserve adjustments . replace_table_token_4_th 38 replace_table_token_5_th key assumptions the calculation of policy and claim reserves involves numerous assumptions , but the primary assumptions used to calculate reserves are ( 1 ) the discount rate , ( 2 ) the claim resolution rate , and ( 3 ) the claim incidence rate for policy reserves and ibnr claim

issuance of debt in august 2012 , we issued $ 250.0 million of unsecured senior notes in a public offering . these notes , due 2042 , bear interest at a fixed rate of 5.75 % and are payable semi-annually . the notes are callable at or above par and rank equally in right of payment with all of our other unsecured and unsubordinated debt . the balance outstanding on these notes was $ 250.0 million at december 31 , 2013 . in 2010 , we issued $ 400.0 million of unsecured senior notes in a public offering . these notes , due in 2020 , bear interest at a fixed rate of 5.625 % and are payable semi-annually . the notes are callable at or above par and rank equally in right of payment with all of our other unsecured and unsubordinated debt . in addition , these notes are effectively subordinated to any indebtedness of our subsidiaries . the balance outstanding on these notes was $ 400.0 million at december 31 , 2013 . in 2009 , we issued $ 350.0 million of unsecured senior notes in a public offering . these notes , due in 2016 , bear interest at a fixed rate of 7.125 % and are payable semi-annually . the notes are callable at or above par and rank equally in right of payment with all of our other unsecured and unsubordinated debt . the balance outstanding on these notes was $ 350.0 million at december 31 , 2013 . in 2007 , northwind holdings issued $ 800.0 million floating rate , insured , senior , secured notes , due 2037 , in a private offering .


 Write a concise suspicious activity report of the following text delimited by triple backquotes. Return your response as a formal report which covers the key points highlighting the location,dates,entity names and account holder information in chronological order of the text.
     ```issuance of debt in august 2012 , we issued $ 250.0 million of unsecured senior notes in a public offering . these notes , due 2042 , bear interest at a fixed rate of 5.75 % and are payable semi-annually . the notes are callable at or above par and rank equally in right of payment with all of our other unsecured and unsubordinated debt . the balance outstanding on these notes was $ 250.0 million at december 31 , 2013 . in 2010 , we issued $ 400.0 million of unsecured senior notes in a public offering . these notes , due in 2020 , bear interest at a fixed rate of 5.625 % and are payable semi-annually . the notes are callable at or above par and rank equally in right of payment with all of our other unsecured and unsubordinated debt . in addition , these notes are effectively subordinated to any indebtedness of our subsidiaries . the balance outstanding on these notes was $ 400.0 million at december 31 , 2013 . in 2009 , we issued $ 350.0 million of unsecured senior notes in a public offering . these notes , due in 2016 , bear interest at a fixed rate of 7.125 % and are payable semi-annually . the notes are callable at or above par and rank equally in right of payment with all of our other unsecured and unsubordinated debt . the balance outstanding on these notes was $ 350.0 million at december 31 , 2013 . in 2007 , northwind holdings issued $ 800.0 million floating rate , insured , senior , secured notes , due 2037 , in a private offering .
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 Suspicious Activity Report : the reinsurance agreements significantly decreased premium income and benefit payments for group life during 2013 and also reduced volatility in this line of business . the decline in the benefit ratio for unum uk to 74.3 percent in 2013 from 77.9 percent , in 2012 was due primarily to improved risk results in the group life product line . unum uk sales in 2013 decreased 18.7 percent , in local currency , in 2013 compared to 2012 due primarily to lower group life sales as we continued to execute our plans to improve new business pricing and reposition our group life business for better margins and greater stability . persistency declined , as expected , primarily as a result of pursuing rate increases on renewing business . 32 our colonial life segment reported a decrease in operating income , including the 2013 reserve increase related to unclaimed death benefits , of 3.5 percent in 2013 compared to 2012. operating income excluding this reserve adjustment increased 3.9 percent in 2013 , with higher operating revenue and stable risk results . premium income grew 3.2 percent in 2013 compared to 2012. the 2013 benefit ratio for colonial life was 54.1 percent , and excluding the reserve increase was 52.5 percent , consistent with the level of 2012. colonial life sales increased 1.6 percent in 2013 compared to 2012 , driven by higher large case commercial market sales . persistency in 2013 declined slightly but remains strong for all lines of business . our closed block segment reported an increase in operating income of 14.6 percent in 2013 relative to 2012. net investment income increased 3.4 percent in 2013 compared to 2012 due to higher invested asset levels . risk results in 2013 were slightly favorable for both individual disability and long-term care relative to the prior year . our investment portfolio continues to perform well , and our invested asset quality remains strong . the net unrealized gain on our fixed maturity securities was $ 4.1 billion at december 31 , 2013 compared to $ 7.2 billion at december 31 , 2012 , with the decline due primarily to an increase in u.s. treasury rates during 2013. we believe our capital and financial positions are strong . at december 31 , 2013 , the risk-based capital ( rbc ) ratio for our traditional u.s. insurance subsidiaries , calculated on a weighted average basis using the naic company action level formula , was approximately 405 percent , compared to 396 percent at december 31 , 2012. during 2013 , we repurchased 11.2 million shares of unum group common stock at a cost of $ 318.6 million under our share repurchase program . cash equivalents and marketable securities held at unum group and our other intermediate holding companies are a significant source of liquidity for us and were approximately $ 514 million at december 31 , 2013 , relative to $ 805 million at december 31 , 2012. the decline was due primarily to repurchases of our common stock and a capital contribution related to our 2013 re-domestication of a captive reinsurance subsidiary . 2013 unclaimed death benefits reserve increase beginning in 2011 , a number of state regulators began requiring insurers to cross-check specified insurance policies with the social security administration 's death master file to identify potential matches . if a potential match was identified , insurers were requested to determine if benefits were due , locate beneficiaries , and make payments where appropriate . we initiated this process where requested , and in 2012 we began implementing this process in all states on a forward-looking basis . we believe adopting this process , which reflects an evolving regulatory and industry practice , is in the best interest of our customers . therefore , in addition to implementing this on a forward-looking basis , in 2013 we began an initiative to search for potential claims from previous years . during the fourth quarter of 2013 , we completed our assessment of benefits which we estimate will be paid under this initiative , and as such , established additional reserves for payment of these benefits . claim reserves were increased $ 49.1 million for unum us group life , $ 26.3 million for unum us voluntary life , and $ 20.1 million for colonial life voluntary life , for a total reserve increase of $ 95.5 million . these reserve adjustments decreased net income $ 62.1 million . although the legal and regulatory environment continues to evolve , we believe our decision to adopt this claims practice and establish additional reserves is in the best interests of our customers . 2013 group life waiver of premium benefit reserve reduction within our unum us segment , we offer group life insurance coverage which consists primarily of renewable term life insurance and includes a provision for waiver of premium , if disabled . the group life waiver of premium benefit ( group life waiver ) provides for continuation of life insurance coverage when an insured , or the employer on behalf of the insured , is no longer paying premium because the employee is not actively at work due to a disability . the group life waiver claim reserve is the present value of future anticipated death benefits reflecting the probability of death while remaining disabled . claim reserves are calculated using assumptions based on past experience adjusted for current trends and any other factors that would modify past experience and are subject to revision as current claim experience emerges and alters our view of future expectations . the two fundamental assumptions in the development of the group life waiver reserve are mortality and recovery . our emerging experience and that which continues to emerge within the industry indicate an increase in life expectancies , which decreases the ultimate anticipated death benefits to be paid under the group life waiver benefit . story_separator_special_tag if we believe , based on our actual experience and our view of future events , that our long-term assumptions need to be modified , we adjust our reserves accordingly with a charge or credit to our current period income . multiple estimation methods exist to establish claim reserve liabilities , with each method having its own advantages and disadvantages . available reserving methods utilized to calculate claim reserves include the tabular reserve method , the paid development method , the incurred loss development method , the count and severity method , and the expected claim cost method . no single method is better than the others in all situations and for all product lines . the estimation methods we have chosen are those that we believe produce the most reliable reserves . claim reserves supporting our unum us group and individual disability product lines and our closed block individual disability and individual and group long-term care product lines represent approximately 35.3 percent and 47.2 percent , respectively , of our total claim reserves at december 31 , 2013. we use a tabular reserve methodology for group and individual long-term disability and group and individual long-term care claims that have been reported . under the tabular reserve methodology , reserves for reported claims are based on certain characteristics of the actual reported claimants , such as age , length of time disabled , and medical diagnosis . we believe the tabular reserve method is the most accurate to calculate long-term liabilities and allows us to use the most available known facts about each claim . ibnr claim reserves for our long-term products are calculated using the count and severity method using historical patterns of the claims to be reported and the associated claim costs . for unum us group short-term disability products , an estimate of the value of future payments to be made on claims already submitted , as well as ibnr claims , is determined in aggregate rather than on the individual claimant basis that we use for our long-term products , using historical patterns of claim incidence as well as historical patterns of aggregate claim resolution rates . the average length of time between the event triggering a claim under a policy and the final resolution of those claims is much shorter for these products than for our long-term liabilities and results in less estimation variability . claim reserves supporting the unum us group life and accidental death and dismemberment products represent approximately 3.7 percent of our total claim reserves at december 31 , 2013. claim reserves for these products are related primarily to death claims reported but not yet paid , ibnr death claims , and a liability for waiver of premium benefits . the death claim reserve is based on the actual face amount to be paid , the ibnr reserve is calculated using the count and severity method , and the waiver of premium benefits reserve is calculated using the tabular reserve methodology . claim reserves supporting our unum uk segment represent approximately 10.0 percent of our total claim reserves at december 31 , 2013 , and are calculated using generally the same methodology that we use for unum us disability and group life reserves . the assumptions used in calculating claim reserves for this line of business are based on standard united kingdom industry experience , adjusted for unum uk 's own experience . the majority of the colonial life segment lines of business have short-term benefits , which generally have less estimation variability than our long-term products because of the shorter claim payout period . our claim reserves for colonial life 's lines of business , which approximate 1.7 percent of our total claim reserves at december 31 , 2013 , are predominantly determined using the incurred loss development method based on our own experience . the incurred loss development method uses the historical patterns of payments by loss date to predict future claim payments for each loss date . where the incurred loss development method may not be appropriate , we estimate the incurred claims using an expected claim cost per policy or other measure of exposure . the key assumptions for claim reserves for the colonial life lines of business are : ( 1 ) the timing , rate , and amount of estimated future claim payments ; and ( 2 ) the estimated expenses associated with the payment of claims . 37 the following table displays policy reserves , incurred claim reserves , and ibnr claim reserves by major product line , with the summation of the policy reserves and claim reserves shown both gross and net of the associated reinsurance recoverable . incurred claim reserves represent reserves determined for each incurred claim and also include estimated amounts for litigation expenses and other expenses associated with the payment of the claims as well as provisions for claims which we estimate will be reopened for our long-term care products . ibnr claim reserves include provisions for incurred but not reported claims and a provision for reopened claims for our disability products . the ibnr and reopened claim reserves for our disability products are developed and maintained in aggregate based on historical monitoring that has only been on a combined basis . impacting year ov er year comparability of claim reserves in the following chart are the 2013 reserve adjustments for unclaimed death benefits and group life waiver of premium benefits . see `` executive summary `` contained in this item 7 and note 6 of the `` notes to consolidated financial statements `` contained herein in item 8 for further discussion of these reserve adjustments . replace_table_token_4_th 38 replace_table_token_5_th key assumptions the calculation of policy and claim reserves involves numerous assumptions , but the primary assumptions used to calculate reserves are ( 1 ) the discount rate , ( 2 ) the claim resolution rate , and ( 3 ) the claim incidence rate for policy reserves and ibnr claim

