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Unum UNM Colonial Life — Interest accretion rate

Other segment segments

Closed Block
5.3%0.0%
Unum US
4.4%0.0%
Unum International
4.1%0.0%

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HMNTerm Life — Interest accretion rate
4.3%+0.1pp
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HMNWhole Life — Interest accretion rate
4.8%0.0pp
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HMNExperience life — Interest accretion rate
6.1%0.0pp
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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 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 — interest accretion rate?
Unum (UNM) reported colonial life — interest accretion rate of 4.4% in Q2 2026.
How has Unum's colonial life — interest accretion rate changed year-over-year?
Unum's colonial life — interest accretion rate decreased by 0.0% year-over-year, from 4.4% to 4.4%.
What is the long-term trend for Unum's colonial life — interest accretion rate?
Over 3 years (2022 to 2025), Unum's colonial life — interest accretion rate has grown at a 0.4% compound annual growth rate (CAGR), from 17.5% to 17.7%.
What does colonial life — interest accretion rate mean?
This represents the rate at which interest is added to the liability for future policy benefits over time. It reflects the actuarial assumption regarding the growth of reserves required to meet future obligations to policyholders.

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