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Unum UNM Life Insurance — Reinsurance Ceded

Other product segments

Accident, Sickness, and Disability
$140M-3.8%

Similar metrics at other companies

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GLHealth insurance — Premium, ceded to other companies
$32K-94.8%
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PFGAccident And Health Insurance — Ceded Premiums Earned
$38.4M+1.9%
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AFGLife insurance — Reinsurance ceded
$4.75M-5.0%
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PRUTotal — Ceded
$124M-17.3%
Globe Life logo
GLLife Insurance — Ceded Premiums Earned
$1.16M+1.1%
Cincinnati Financial logo
CINFProperty, Liability and Casualty Insurance — Ceded premiums earned
$123.5M+19.9%

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:CededPremiumsEarned.

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 — reinsurance ceded?
Unum (UNM) reported life insurance — reinsurance ceded of $36.88M in Q4 2025.
How has Unum's life insurance — reinsurance ceded changed year-over-year?
Unum's life insurance — reinsurance ceded decreased by 7.2% year-over-year, from $39.75M to $36.88M.
What is the long-term trend for Unum's life insurance — reinsurance ceded?
Over 4 years (2021 to 2025), Unum's life insurance — reinsurance ceded has grown at a -0.5% compound annual growth rate (CAGR), from $150.2M to $147.5M.
What does life insurance — reinsurance ceded mean?
The amount of premiums paid to other insurance companies to transfer a portion of the underwriting risk.
How do you interpret life insurance — reinsurance ceded?
An increase may signal a more conservative risk appetite or a strategic shift to reduce capital volatility, while a decrease suggests the company is retaining more risk on its own balance sheet.
How does life insurance — reinsurance ceded compare across companies?
Standard metric across the insurance sector, often referred to as Ceded Premiums or Reinsurance Premiums Ceded.