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Unum UNM Colonial Life — Expected future benefit payments

Other segment segments

Closed Block
$67.75B-2.8%
Unum US
$17.72B-0.3%
Unum International
$4.69B-1.6%

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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:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitUndiscountedBeforeReinsurance.

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
Amount of undiscounted:
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%

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's colonial life — expected future benefit payments?
Unum (UNM) reported colonial life — expected future benefit payments of $11.36B in Q2 2026.
How has Unum's colonial life — expected future benefit payments changed year-over-year?
Unum's colonial life — expected future benefit payments increased by 6.3% year-over-year, from $10.69B to $11.36B.
What is the long-term trend for Unum's colonial life — expected future benefit payments?
Over 3 years (2022 to 2025), Unum's colonial life — expected future benefit payments has grown at a 3.1% compound annual growth rate (CAGR), from $39.4B to $43.17B.
What does colonial life — expected future benefit payments mean?
This is an actuarial projection of the total cash outflows expected to be paid to policyholders over the remaining duration of the insurance contracts. It is a forward-looking metric used to determine the necessary reserve levels today. It helps investors understand the long-term cash flow requirements of the insurance portfolio.

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