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Unum UNM Colonial Life — Reserves in excess of account balance

Similar metrics at other companies

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CNCOther — Plus: Premium deficiency reserve
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EGOther — Unearned Premium Reserves
$32M-52.9%
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PRUOther businesses — Additional insurance reserves, including amounts in AOCI, EOP, post-flooring
$30M
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EGInsurance — Unearned Premium Reserves
$2.5B-5.3%
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PRUTotal — Policyholder Account Balance, Unearned Revenue Reserve
$6.7B+12.3%
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CRBGUnexpired Risk Reserve — Unexpired risk reserve

Other financials

Income statement

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Revenue$3.4B+8.5%
Operating income$501.8M+2.4%
Net income$232.0M+22.7%
EPS (diluted)$1.41+33.0%

Balance sheet

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Cash & equivalents$192.6M-19.0%
Total debt$3.8B+0.5%
Total equity$10.9B-2.9%
Total assets$62.7B+0.4%

Cash flow

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Operating cash flow$340.8M-3.6%
CapEx$39.6M+10.6%
Free cash flow$301.2M-5.2%

Valuation

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Market cap$14.38B-17.0%
Enterprise value$17.95B-13.3%
P/E18.4×+7.4×
P/S1.1×-0.3×

Profitability

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Net margin5.9%-6.5pp
FCF margin11.2%+1.4pp

Returns & leverage

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Return on equity7.1%-7.6pp
Debt / equity0.3×0.0×

Where this comes from

Reported directly by Unum in its filing.

Tagged under the XBRL concept unm:PolicyholderAccountBalanceReservesInExcessOfAccountBalance.

The official record: Unum’s 10-Q, filed April 29, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unum's colonial life — reserves in excess of account balance?
Unum (UNM) reported colonial life — reserves in excess of account balance of $13.4M in Q1 2026.
How has Unum's colonial life — reserves in excess of account balance changed year-over-year?
Unum's colonial life — reserves in excess of account balance decreased by 2.9% year-over-year, from $13.8M to $13.4M.
What is the long-term trend for Unum's colonial life — reserves in excess of account balance?
Over 3 years (2022 to 2025), Unum's colonial life — reserves in excess of account balance has grown at a -9.9% compound annual growth rate (CAGR), from $73.1M to $53.4M.
What does colonial life — reserves in excess of account balance mean?
Extra funds set aside by the company to cover future claims beyond what is in the customer's account.
How do you interpret colonial life — reserves in excess of account balance?
An increase in these reserves may indicate more conservative actuarial assumptions or a higher risk profile for the underlying insurance block.
How does colonial life — reserves in excess of account balance compare across companies?
Commonly reported as supplemental reserves or excess reserves in insurance financial statements.