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Unum UNM Long-term Care — Current discount rate

Other product segments

Voluntary Benefits
5.7%+3.6%
Other Insurance Product Line
5.3%+1.9%
Individual Disability
5.2%+2.0%

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GLOther — Current discount rate
5.6%+0.1pp
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PRULong- Term Care — Weighted-average interest rate (at current discount rate)
6%+0.1pp
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PFGLong Term Care Insurance — Liability For Future Policy Benefit Current Weighted Average Discount Rate
5.6%+0.1pp
Reinsurance Group of America logo
RGAInsurance, Other — Liability for Future Policy Benefit, Current Weighted-Average Discount Rate
21.4%+2.6pp
The Hartford Financial Services Group logo
HIGLife Conversions — Liability for Future Policy Benefit, Current Weighted-Average Discount Rate
5.7%+0.2pp
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UHAL.BLife Insurance — Liability For Future Policy Benefit Current Weighted Average Discount Rate
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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:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.

The official record: Unum’s 10-Q, filed April 29, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unum's long-term care — current discount rate?
Unum (UNM) reported long-term care — current discount rate of 5.7% in Q1 2026.
How has Unum's long-term care — current discount rate changed year-over-year?
Unum's long-term care — current discount rate increased by 3.6% year-over-year, from 5.5% to 5.7%.
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 interest rate used to calculate the present value of future insurance claims.
How do you interpret long-term care — current discount rate?
An increase in the discount rate typically reduces the present value of liabilities, improving the balance sheet position.
How does long-term care — current discount rate compare across companies?
Widely used by insurance companies under modern accounting standards (like LDTI or IFRS 17) to mark liabilities to market.