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Unum UNM Colonial Life — Expected future gross premiums

Other segment segments

Unum US
$12.75B+4.9%
Closed Block
$11.85B-10.3%
Unum International
$1.64B+5.1%

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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:LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumUndiscountedBeforeReinsurance.

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 gross premiums?
Unum (UNM) reported colonial life — expected future gross premiums of $13.46B in Q2 2026.
How has Unum's colonial life — expected future gross premiums changed year-over-year?
Unum's colonial life — expected future gross premiums increased by 4.5% year-over-year, from $12.89B to $13.46B.
What is the long-term trend for Unum's colonial life — expected future gross premiums?
Over 3 years (2022 to 2025), Unum's colonial life — expected future gross premiums has grown at a 2.9% compound annual growth rate (CAGR), from $47.73B to $51.93B.
What does colonial life — expected future gross premiums mean?
This represents the actuarial projection of total premiums the company expects to receive from existing policyholders over the remaining life of their contracts. It is used to offset the liability for future benefit payments when calculating net reserves. This metric reflects the long-term revenue-generating potential of the current book of business.

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