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Unum UNM Individual Disability — Expected future benefit payments

Other product segments

Long-term Care
$58.23B-2.0%
Other Insurance Product Line
$10.05B-7.5%
Voluntary Benefits
$6.19B+5.5%

Similar metrics at other companies

Principal Financial Group logo
PFGIndividual Disability — Liability For Future Policy Benefit Expected Future Policy Benefit Undiscounted Before Reinsurance
$10B+1.4%
Principal Financial Group logo
PFGIndividual Disability — Liability For Future Policy Benefit Expected Future Gross Premium Undiscounted Before Reinsurance
$8.75B+0.8%
Aflac logo
AFLDisability — Liability for Future Policy Benefit, Expected Future Policy Benefit, Benefit Payment
$118M-1.7%
Aflac logo
AFLDisability — Liability for Future Policy Benefit, Expected Future Policy Benefit, Undiscounted, before Reinsurance
$3.06B-1.8%
Principal Financial Group logo
PFGIndividual Disability — Liability For Future Policy Benefit Expected Future Benefit Original Discount Rate Before Reinsurance After Cash Flow Change
596,060,000,000%+11,870,000,000pp
Principal Financial Group logo
PFGIndividual Disability — Liability For Future Policy Benefits
$1.98B+4.6%

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 us-gaap:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitUndiscountedBeforeReinsurance.

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 individual disability — expected future benefit payments?
Unum (UNM) reported individual disability — expected future benefit payments of $5.1B in Q1 2026.
How has Unum's individual disability — expected future benefit payments changed year-over-year?
Unum's individual disability — expected future benefit payments decreased by 0.8% year-over-year, from $5.14B to $5.1B.
What is the long-term trend for Unum's individual disability — expected future benefit payments?
Over 3 years (2022 to 2025), Unum's individual disability — expected future benefit payments has grown at a -0.5% compound annual growth rate (CAGR), from $20.71B to $20.39B.
What does individual disability — expected future benefit payments mean?
The total amount of money the company expects to pay out in future disability claims.
How do you interpret individual disability — expected future benefit payments?
An increase in expected future payments relative to expected premiums may signal a need for price increases or more stringent underwriting standards.
How does individual disability — expected future benefit payments compare across companies?
Standard 'Expected Future Benefits' or 'Actuarial Reserve Projection' in insurance.