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Unum UNM Closed Block — Interest accretion rate

Other segment segments

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4.4%0.0%
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4.4%0.0%
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4.1%0.0%

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Other financials

Income statement

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Revenue$3.4B+0.3%
Operating income$501.8M+2.4%
Net income$256.9M-23.5%
EPS (diluted)$1.61-16.1%

Balance sheet

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Cash & equivalents$199.2M-83.3%
Total debt$3.8B+0.5%
Total equity$10.8B-4.5%
Total assets$63.5B+1.0%

Cash flow

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Operating cash flow$503.5M+44.7%
CapEx$29.2M+4.7%
Free cash flow$474.3M+48.2%

Valuation

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Market cap$14.1B+17.5%
Enterprise value$17.67B+21.4%
P/E20.1×+12.2×
P/S1.1×+0.1×

Profitability

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Net margin5.3%-6.5pp
FCF margin11.2%+1.4pp

Returns & leverage

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Return on equity6.4%-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:LiabilityForFuturePolicyBenefitWeightedAverageInterestAccretionRate.

The source filing: Unum’s 10-Q, filed July 29, 2026.

Filed
Jul 29, 2026, 4:25 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000005513-26-000075
Line itemLong-term CareAll OtherTotal Closed Block
Expected future benefit payments$57,891.4$9,854.3$67,745.7
Expected future gross premiums$11,848.3$11,848.3
Amount of discounted (at interest accretion rate):
Expected future gross premiums$7,295.0$7,295.0
Weighted average interest rate:
Interest accretion rate5.6%4.6%5.3%
Current discount rate5.6%5.3%5.5%
Weighted average duration of the liability14.2 years7.0 years12.1 years

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's closed block — interest accretion rate?
Unum (UNM) reported closed block — interest accretion rate of 5.3% in Q2 2026.
How has Unum's closed block — interest accretion rate changed year-over-year?
Unum's closed block — interest accretion rate decreased by 0.0% year-over-year, from 5.3% to 5.3%.
What is the long-term trend for Unum's closed block — interest accretion rate?
Over 3 years (2022 to 2025), Unum's closed block — interest accretion rate has grown at a 0.6% compound annual growth rate (CAGR), from 20.8% to 21.2%.
What does closed block — interest accretion rate mean?
This metric represents the rate at which interest is added to the liability for future policy benefits over time. It reflects the time value of money applied to long-term insurance obligations, ensuring the company maintains adequate reserves to meet future claims. Higher rates indicate a faster growth of the liability balance due to the compounding effect of interest.

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