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Unum UNM Individual Disability — Net liability for future policy benefits
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Where this comes from
Reported directly by Unum in its filing.
Tagged under the XBRL concept unm:LiabilityForFuturePolicyBenefitBeforeReinsuranceBeforeOther.
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 |
|---|---|---|---|---|---|
| Ending balance at original discount rate | 4,617.2 | 782.8 | 2,954.9 | 3,151.1 | 11,506.0 |
| Effect of change in discount rate assumptions | (114.8) | (10.8) | (238.3) | (52.5) | (416.4) |
| Balance, end of period | $4,502.4 | $772.0 | $2,716.6 | $3,098.6 | $11,089.6 |
| Net liability for future policy benefits | $4,502.4 | $772.0 | $1,148.9 | $1,873.5 | $8,296.8 |
| Other | 0.1 | 0.8 | 4.9 | 26.3 | 32.1 |
| Total liability for future policy benefits | 4,502.5 | 772.8 | 1,153.8 | 1,899.8 | 8,328.9 |
| Less: Reinsurance recoverable related to future policy benefits | 23.3 | 6.8 | 12.7 | 375.3 | 418.1 |
| Net liability for future policy benefits, after reinsurance recoverable | $4,479.2 | $766.0 | $1,141.1 | $1,524.5 | $7,910.8 |
Item 1. Financial Statements (Unaudited):
FAQ
- What is Unum's individual disability — net liability for future policy benefits?
- Unum (UNM) reported individual disability — net liability for future policy benefits of $1.87B in Q2 2026.
- How has Unum's individual disability — net liability for future policy benefits changed year-over-year?
- Unum's individual disability — net liability for future policy benefits decreased by 2.2% year-over-year, from $1.92B to $1.87B.
- What is the long-term trend for Unum's individual disability — net liability for future policy benefits?
- Over 3 years (2022 to 2025), Unum's individual disability — net liability for future policy benefits has grown at a -2.7% compound annual growth rate (CAGR), from $8.3B to $7.65B.
- What does individual disability — net liability for future policy benefits mean?
- This represents the total net actuarial liability for future policy benefits, accounting for both expected future premiums and expected future benefit payments. It is a core balance sheet metric that reflects the company's net obligation to policyholders after considering the present value of future cash inflows and outflows. It is essential for assessing the solvency and long-term financial health of the disability insurance segment.
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