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Unum UNM Life Insurance — Direct Premium Income

Other product segments

Accident, Sickness, and Disability
$7.85B+1.6%

Similar metrics at other companies

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$8.6B+27.8%
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$28.75M-10.9%
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$48.9M-1.2%
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EQHLife insurance and annuities — Direct premiums
$204.25M-12.2%

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:DirectPremiumsEarned.

The official record: Unum’s 10-K, filed February 17, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unum's life insurance — direct premium income?
Unum (UNM) reported life insurance — direct premium income of $804.2M in Q4 2025.
How has Unum's life insurance — direct premium income changed year-over-year?
Unum's life insurance — direct premium income increased by 6.8% year-over-year, from $752.78M to $804.2M.
What is the long-term trend for Unum's life insurance — direct premium income?
Over 4 years (2021 to 2025), Unum's life insurance — direct premium income has grown at a 6.0% compound annual growth rate (CAGR), from $2.54B to $3.22B.
What does life insurance — direct premium income mean?
The total amount of premiums collected from policyholders before accounting for reinsurance.
How do you interpret life insurance — direct premium income?
An increase indicates strong sales growth and market penetration, while a decrease may signal competitive pressure or a contraction in the insurance portfolio.
How does life insurance — direct premium income compare across companies?
Commonly reported as Gross Written Premiums (GWP) across the insurance industry.