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Unum UNM Long-term Care — Expected future benefit payments

Other product segments

Other Insurance Product Line
$10.05B-7.5%
Voluntary Benefits
$6.19B+5.5%
Individual Disability
$5.1B-0.8%

Similar metrics at other companies

Prudential Financial logo
PRULong- Term Care — Benefit payments
-$100M-14.9%
Assurant logo
AIZLong-term care — Liability for Future Policy Benefit, Expected Future Policy Benefit, Benefit Payment
$0-100%
Prudential Financial logo
PRULong- Term Care — Liability for Future Policy Benefit, Expected Future Policy Benefit, before Reinsurance, after Discount Rate Change
1,144,600,000,000%+16,000,000,000pp
Prudential Financial logo
PRULong- Term Care — Undiscounted expected future benefits and expenses
$29.42B-0.7%
Assurant logo
AIZLong-term care — Liability for Future Policy Benefit, Expected Future Policy Benefit, before Reinsurance, after Discount Rate Change
$0-100%
Assurant logo
AIZLong-term care — Effect of changes in cash flow assumptions
$0+100%

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:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitUndiscountedBeforeReinsurance.

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 — expected future benefit payments?
Unum (UNM) reported long-term care — expected future benefit payments of $58.23B in Q1 2026.
How has Unum's long-term care — expected future benefit payments changed year-over-year?
Unum's long-term care — expected future benefit payments decreased by 2.0% year-over-year, from $59.44B to $58.23B.
What is the long-term trend for Unum's long-term care — expected future benefit payments?
Over 3 years (2022 to 2025), Unum's long-term care — expected future benefit payments has grown at a 3.9% compound annual growth rate (CAGR), from $211.24B to $237.19B.
What does long-term care — expected future benefit payments mean?
The estimated future cash payments the company expects to make for long-term care insurance claims.
How do you interpret long-term care — expected future benefit payments?
An increase in projections may necessitate higher reserve allocations, impacting current profitability.
How does long-term care — expected future benefit payments compare across companies?
Standard actuarial projection metric used by insurance companies to manage long-term solvency.