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Unum UNM Closed Block — Reserve Assumption Updates
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Where this comes from
Reported directly by Unum in its filing.
Tagged under the XBRL concept unm:ReserveAssumptionUpdatesBeforeTax.
The source filing: Unum’s 10-K, filed February 17, 2026.
- Filed
- Feb 17, 2026, 4:30 PM EST
- Fiscal year
- FY2025
- Accession
- 0000005513-26-000008
- In 2025, reserve assumption updates resulting in a net decrease in policy benefits including remeasurement gain or loss in the Unum US, Colonial Life and Unum International segments of $147.7 million, $8.9 million, $5.4 million, respectively, and a net increase in policy benefits including remeasurement gain or loss in the Closed Block segment of $640.5 million.
- In 2024, reserve assumption updates resulting in a net decrease in policy benefits including remeasurement gain or loss in the Unum US, Colonial Life, and Closed Block segments of $143.6 million, $46.0 million, and $175.3 million, respectively, and a net increase in policy benefits including remeasurement gain or loss in the Unum International segment of $7.5 million.
- In 2023, reserve assumption updates resulting in a net decrease in policy benefits including remeasurement gain or loss in the Unum US, and Colonial Life segments of $128.8 million and $80.7 million, respectively, and a net increase in policy benefits including remeasurement gain or loss in the Unum International and Closed Block Segments of $17.9 million and $368.8 million, respectively.
- In 2025, 2024, and 2023 the impact of non-contemporaneous reinsurance of $28.6 million, $25.1 million, and $34.8 million, respectively, in the Closed Block segment. In 2025, the impact of non-contemporaneous reinsurance of $1.0 million in the Unum US segment.
ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
FAQ
- What is Unum's closed block — reserve assumption updates?
- Unum (UNM) reported closed block — reserve assumption updates of -$160.13M in Q4 2025.
- How has Unum's closed block — reserve assumption updates changed year-over-year?
- Unum's closed block — reserve assumption updates decreased by 465.4% year-over-year, from $43.83M to -$160.13M.
- What is the long-term trend for Unum's closed block — reserve assumption updates?
- Over 2 years (2023 to 2025), Unum's closed block — reserve assumption updates has grown at a 31.8% compound annual growth rate (CAGR), from -$368.8M to -$640.5M.
- What does closed block — reserve assumption updates mean?
- Reflects the financial impact of changes in actuarial assumptions used to calculate reserves for future policy benefits. These updates occur when management revises expectations regarding mortality, morbidity, or interest rates based on emerging experience. This metric is a significant driver of earnings volatility for legacy insurance blocks.
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