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Unum UNM Individual Disability — Total 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:LiabilityForFuturePolicyBenefitBeforeReinsuranceAfterOther.
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 |
|---|---|---|---|---|---|
| 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 |
| 1Issuances include new policy issuances for most product lines. Issuances for Unum US group disability and Unum US group life and AD&D represents new claim incurrals. |
Item 1. Financial Statements (Unaudited):
FAQ
- What is Unum's individual disability — total liability for future policy benefits?
- Unum (UNM) reported individual disability — total liability for future policy benefits of $1.9B in Q2 2026.
- How has Unum's individual disability — total liability for future policy benefits changed year-over-year?
- Unum's individual disability — total liability for future policy benefits decreased by 2.2% year-over-year, from $1.94B to $1.9B.
- What is the long-term trend for Unum's individual disability — total liability for future policy benefits?
- Over 3 years (2022 to 2025), Unum's individual disability — total liability for future policy benefits has grown at a -2.9% compound annual growth rate (CAGR), from $8.47B to $7.75B.
- What does individual disability — total liability for future policy benefits mean?
- This represents the gross total of all actuarial liabilities set aside to cover future disability benefit payments for the individual disability segment. It reflects the total reserve requirement before any offsets from reinsurance or other risk-mitigation strategies. It is a primary indicator of the scale of the company's long-term disability risk exposure.
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