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Unum UNM Individual Disability — Interest accretion rate

Other product segments

Long-term Care
5.6%0.0%
Voluntary Benefits
5%0.0%
Other Insurance Product Line
4.6%0.0%

Similar metrics at other companies

Principal Financial Group logo
PFGIndividual Disability — Liability For Future Policy Benefit Weighted Average Interest Accretion Rate
3.8%-0.1pp
Principal Financial Group logo
PFGIndividual Disability — Liability For Future Policy Benefit Expected Future Policy Benefit Interest Expense
-$54.3M-2.6%
Ameriprise Financial logo
AMPDisability Income Insurance — Weighted average interest accretion rate
6.3%0.0pp
Aflac logo
AFLDisability — Interest accrual
$25M+4.2%
Principal Financial Group logo
PFGIndividual Disability — Liability For Future Policy Benefit Interest Expense
$26.9M+4.3%
Fidelity National Financial logo
FNFTraditional Life — Interest accretion rate
2.4%0.0pp

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:LiabilityForFuturePolicyBenefitWeightedAverageInterestAccretionRate.

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 — interest accretion rate?
Unum (UNM) reported individual disability — interest accretion rate of 5.2% in Q1 2026.
How has Unum's individual disability — interest accretion rate changed year-over-year?
Unum's individual disability — interest accretion rate increased by 2.0% year-over-year, from 5.1% to 5.2%.
What is the long-term trend for Unum's individual disability — interest accretion rate?
Over 3 years (2022 to 2025), Unum's individual disability — interest accretion rate has grown at a 0.5% compound annual growth rate (CAGR), from 20.3% to 20.6%.
What does individual disability — interest accretion rate mean?
The rate used to calculate the growth of insurance liability reserves due to the passage of time.
How do you interpret individual disability — interest accretion rate?
An increase suggests higher expected investment returns or changes in actuarial assumptions regarding long-term obligations.
How does individual disability — interest accretion rate compare across companies?
Standard across life and disability insurers, often tied to high-quality fixed income yields.