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Unum UNM Long-term Care — Current discount rate
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Where this comes from
Reported directly by Unum in its filing.
Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.
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 |
|---|---|---|---|---|---|
| Expected future benefit payments | $5,569.3 | $886.3 | $6,186.4 | $5,076.4 | $17,718.4 |
| Expected future gross premiums | — | — | $6,928.6 | $5,818.2 | $12,746.8 |
| Amount of discounted (at interest accretion rate): | |||||
| Expected future gross premiums | — | — | $4,393.2 | $4,192.8 | $8,586.0 |
| Weighted average interest rate: | |||||
| Interest accretion rate | 4.3% | 2.5% | 5.0% | 5.1% | 4.4% |
| Current discount rate | 4.7% | 2.8% | 5.6% | 5.2% | 4.8% |
| Weighted average duration of the liability | 3.9 years | 2.4 years | 18.1 years | 9.3 years | 7.0 years |
Item 1. Financial Statements (Unaudited):
FAQ
- What is Unum's long-term care — current discount rate?
- Unum (UNM) reported long-term care — current discount rate of 5.6% in Q2 2026.
- How has Unum's long-term care — current discount rate changed year-over-year?
- Unum's long-term care — current discount rate decreased by 0.0% year-over-year, from 5.6% to 5.6%.
- What is the long-term trend for Unum's long-term care — current discount rate?
- Over 3 years (2022 to 2025), Unum's long-term care — current discount rate has grown at a 5.8% compound annual growth rate (CAGR), from 18.6% to 22%.
- What does long-term care — current discount rate mean?
- The current market-based discount rate used to measure the present value of future policy benefit obligations for long-term care insurance. This rate is updated periodically to reflect current market conditions, impacting the valuation of the liability on the balance sheet. Changes in this rate directly influence the volatility of equity and comprehensive income.
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