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Unum UNM Individual Disability — Current discount rate
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Where this comes from
Reported directly by Unum in its filing.
Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.
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 item | Group Disability | Group Life and AD&D | Voluntary Benefits | Individual Disability | Total Unum US |
|---|---|---|---|---|---|
| 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 rate | 4.3% | 2.5% | 5.0% | 5.1% | 4.4% |
| Current discount rate | 4.7% | 2.8% | 5.6% | 5.2% | 4.8% |
| Weighted average duration of the liability | 3.9 years | 2.4 years | 18.1 years | 9.3 years | 7.0 years |
Item 1. Financial Statements (Unaudited):
FAQ
- What is Unum's individual disability — current discount rate?
- Unum (UNM) reported individual disability — current discount rate of 5.2% in Q2 2026.
- How has Unum's individual disability — current discount rate changed year-over-year?
- Unum's individual disability — current discount rate increased by 4.0% year-over-year, from 5% to 5.2%.
- What is the long-term trend for Unum's individual disability — current discount rate?
- Over 3 years (2022 to 2025), Unum's individual disability — current discount rate has grown at a 3.2% compound annual growth rate (CAGR), from 18.1% to 19.9%.
- What does individual disability — current discount rate mean?
- The discount rate used to determine the present value of future insurance benefit payments for the individual disability segment. It is a critical actuarial assumption that directly impacts the size of the reported liability on the balance sheet. Changes in this rate reflect shifts in market interest rates and the company's long-term economic outlook.
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