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Unum UNM Colonial Life — 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 colonial life — reserve assumption updates?
- Unum (UNM) reported colonial life — reserve assumption updates of $2.23M in Q4 2025.
- How has Unum's colonial life — reserve assumption updates changed year-over-year?
- Unum's colonial life — reserve assumption updates decreased by 80.7% year-over-year, from $11.5M to $2.23M.
- What is the long-term trend for Unum's colonial life — reserve assumption updates?
- Over 2 years (2023 to 2025), Unum's colonial life — reserve assumption updates has grown at a -66.8% compound annual growth rate (CAGR), from $80.7M to $8.9M.
- What does colonial life — reserve assumption updates mean?
- Reflects the financial impact of changes in actuarial assumptions, such as mortality, morbidity, or lapse rates, used to calculate long-term insurance liabilities. These updates are necessary to ensure reserves remain adequate based on evolving experience and economic conditions. Significant adjustments can cause volatility in reported earnings.
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