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Unum UNM Individual Disability — Effect of change in discount rate assumptions
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Where this comes from
Reported directly by Unum in its filing.
Tagged under the XBRL concept us-gaap:AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax.
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 |
|---|---|---|---|---|---|
| Interest accretion | — | — | 26.5 | 25.9 | 52.4 |
| Net premiums collected | — | — | (130.1) | (94.9) | (225.0) |
| Ending balance at original discount rate | — | — | 1,642.9 | 1,236.8 | 2,879.7 |
| Effect of change in discount rate assumptions | — | — | (75.2) | (11.7) | (86.9) |
| Balance, end of period | — | — | $1,567.7 | $1,225.1 | $2,792.8 |
| Present Value of Expected Future Policy Benefits | |||||
| Balance, beginning of year | $4,588.1 | $801.6 | $2,536.9 | $3,140.7 | $11,067.3 |
| Beginning balance at original discount rate | 4,656.9 | 807.5 | 2,751.1 | 3,150.4 | 11,365.9 |
Item 1. Financial Statements (Unaudited):
FAQ
- What is Unum's individual disability — effect of change in discount rate assumptions?
- Unum (UNM) reported individual disability — effect of change in discount rate assumptions of -$11.7M in Q2 2026.
- How has Unum's individual disability — effect of change in discount rate assumptions changed year-over-year?
- Unum's individual disability — effect of change in discount rate assumptions decreased by 58.1% year-over-year, from -$7.4M to -$11.7M.
- What is the long-term trend for Unum's individual disability — effect of change in discount rate assumptions?
- Over 3 years (2022 to 2025), Unum's individual disability — effect of change in discount rate assumptions has grown at a -42.2% compound annual growth rate (CAGR), from $65.2M to -$12.6M.
- What does individual disability — effect of change in discount rate assumptions mean?
- This captures the impact on the liability balance resulting from changes in the discount rate used to value future cash flows. Because long-term disability liabilities are sensitive to interest rates, this metric isolates the non-operational impact of market rate fluctuations. It is a critical component for understanding volatility in insurance balance sheets.
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