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Unum UNM Group Life and AD&D — Expected future benefit payments

Other product segments

Long-term Care
$57.89B-2.0%
Other Insurance Product Line
$9.85B-7.6%
Voluntary Benefits
$6.19B+5.4%

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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 itemGroup DisabilityGroup Life and AD&DVoluntary BenefitsIndividual DisabilityTotal Unum US
Amount of undiscounted:
Expected future benefit payments$5,569.3$886.3$6,186.4$5,076.4$17,718.4
Expected future gross premiums$6,928.6$5,818.2$12,746.8
Amount of discounted (at interest accretion rate):
Expected future gross premiums$4,393.2$4,192.8$8,586.0
Weighted average interest rate:
Interest accretion rate4.3%2.5%5.0%5.1%4.4%
Current discount rate4.7%2.8%5.6%5.2%4.8%

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's group life and AD&D — expected future benefit payments?
Unum (UNM) reported group life and AD&D — expected future benefit payments of $886.3M in Q2 2026.
How has Unum's group life and AD&D — expected future benefit payments changed year-over-year?
Unum's group life and AD&D — expected future benefit payments decreased by 3.8% year-over-year, from $921M to $886.3M.
What is the long-term trend for Unum's group life and AD&D — expected future benefit payments?
Over 3 years (2022 to 2025), Unum's group life and AD&D — expected future benefit payments has grown at a -6.9% compound annual growth rate (CAGR), from $4.57B to $3.68B.
What does group life and AD&D — expected future benefit payments mean?
This represents the actuarial projection of cash outflows for benefit payments over the life of the insurance contracts. It is used to calculate the necessary reserves to ensure long-term solvency. This metric helps investors understand the long-term cost structure and expected claim patterns of the segment.

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