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Unum UNM Future policy benefits

Future policy benefits at other companies

Aflac logo
AflacAFL
$59.52B-16.4%
The Hartford Financial Services Group logo
The Hartford Financial Services GroupHIG
$451M+0.4%
MetLife logo
MetLifeMET
$206.63B+4.5%
Prudential Financial logo
Prudential FinancialPRU
$266.91B-0.7%
Globe Life logo
Globe LifeGL
$18.93B+0.9%
Corebridge Financial logo
Corebridge FinancialCRBG

Segments

By segment

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Closed Block$14.97B-13.8%
Unum US$7.93B-6.7%
Unum International$2.17B+1.2%
Colonial Life$2.01B+3.5%
Other Products$207.8M

By product

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Long-term Care$13.24B-14.6%
Other Insurance Product Line$1.73B-7.0%
Individual Disability$1.53B-17.9%
Voluntary Benefits$1.13B+0.2%

Other financials

Income statement

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Revenue$3.4B+8.5%
Operating income$501.8M+2.4%
Net income$232.0M+22.7%
EPS (diluted)$1.41+33.0%

Balance sheet

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Cash & equivalents$192.6M-19.0%
Total debt$3.8B+0.5%
Total equity$10.9B-2.9%
Total assets$62.7B+0.4%

Cash flow

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Operating cash flow$340.8M-3.6%
CapEx$39.6M+10.6%
Free cash flow$301.2M-5.2%

Valuation

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Market cap$14.38B-17.0%
Enterprise value$17.95B-13.3%
P/E18.4×+7.4×
P/S1.1×-0.3×

Profitability

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Net margin5.9%-6.5pp
FCF margin11.2%+1.4pp

Returns & leverage

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Return on equity7.1%-7.6pp
Debt / equity0.3×0.0×

Where this comes from

Reported directly by Unum in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefits.

The official record: Unum’s 10-Q, filed April 29, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unum's future policy benefits?
Unum (UNM) reported future policy benefits of $37.3B in Q1 2026.
How has Unum's future policy benefits changed year-over-year?
Unum's future policy benefits increased by 0.7% year-over-year, from $37.03B to $37.3B.
What is the long-term trend for Unum's future policy benefits?
Over 3 years (2022 to 2025), Unum's future policy benefits has grown at a -0.5% compound annual growth rate (CAGR), from $38.58B to $38.02B.
What does future policy benefits mean?
The estimated amount of money the company must set aside today to pay future insurance claims.
How do you interpret future policy benefits?
An increase reflects growth in the insurance book or changes in actuarial assumptions, while a decrease may indicate policy runoff or favorable experience.
How does future policy benefits compare across companies?
The largest liability for most life and disability insurers; highly dependent on the specific product mix and actuarial methodology.