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Unum UNM Colonial Life — Current discount rate

Other segment segments

Closed Block
5.5%0.0%
Unum International
5.1%+4.1%
Unum US
4.8%+4.3%

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HMNTerm Life — Current discount rate
5.6%+0.2pp
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HMNWhole Life — Current discount rate
5.9%+0.2pp
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HMNExperience life — Current discount rate
5.6%+0.1pp

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:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.

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 itemJune 30 / 2026June 30 / 2025
Expected future benefit payments$11,363.5$10,685.1
Expected future gross premiums$13,462.5$12,887.4
Amount of discounted (at interest accretion rate):
Expected future gross premiums$9,456.5$9,187.4
Weighted average interest rate:
Interest accretion rate4.4%4.4%
Current discount rate5.4%5.3%
Weighted average duration of the liability17.5 years17.2 years

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's colonial life — current discount rate?
Unum (UNM) reported colonial life — current discount rate of 5.4% in Q2 2026.
How has Unum's colonial life — current discount rate changed year-over-year?
Unum's colonial life — current discount rate increased by 1.9% year-over-year, from 5.3% to 5.4%.
What is the long-term trend for Unum's colonial life — current discount rate?
Over 3 years (2022 to 2025), Unum's colonial life — current discount rate has grown at a 4.1% compound annual growth rate (CAGR), from 18.7% to 21.1%.
What does colonial life — current discount rate mean?
The discount rate used to calculate the present value of future insurance policy benefits. It is a critical actuarial assumption that directly impacts the size of the reported liability for future policy benefits.

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