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Unum UNM Long-term Care — Expected future gross premiums

Other product segments

Voluntary Benefits
$6.93B+9.5%
Other Insurance Product Line
$0

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$601M-10.4%

Other financials

Income statement

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Revenue$3.4B+0.3%
Operating income$501.8M+2.4%
Net income$256.9M-23.5%
EPS (diluted)$1.61-16.1%

Balance sheet

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Cash & equivalents$199.2M-83.3%
Total debt$3.8B+0.5%
Total equity$10.8B-4.5%
Total assets$63.5B+1.0%

Cash flow

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Operating cash flow$503.5M+44.7%
CapEx$29.2M+4.7%
Free cash flow$474.3M+48.2%

Valuation

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Market cap$14.1B+17.5%
Enterprise value$17.67B+21.4%
P/E20.1×+12.2×
P/S1.1×+0.1×

Profitability

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Net margin5.3%-6.5pp
FCF margin11.2%+1.4pp

Returns & leverage

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Return on equity6.4%-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:LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumUndiscountedBeforeReinsurance.

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 itemLong-term CareAll OtherTotal Closed Block
Amount of undiscounted:
Expected future benefit payments$57,891.4$9,854.3$67,745.7
Expected future gross premiums$11,848.3$11,848.3
Amount of discounted (at interest accretion rate):
Expected future gross premiums$7,295.0$7,295.0
Weighted average interest rate:
Interest accretion rate5.6%4.6%5.3%
Current discount rate5.6%5.3%5.5%

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's long-term care — expected future gross premiums?
Unum (UNM) reported long-term care — expected future gross premiums of $11.85B in Q2 2026.
How has Unum's long-term care — expected future gross premiums changed year-over-year?
Unum's long-term care — expected future gross premiums decreased by 10.3% year-over-year, from $13.22B to $11.85B.
What is the long-term trend for Unum's long-term care — expected future gross premiums?
Over 3 years (2022 to 2025), Unum's long-term care — expected future gross premiums has grown at a 0.5% compound annual growth rate (CAGR), from $51.24B to $52.06B.
What does long-term care — expected future gross premiums mean?
Represents the total projected gross premiums expected to be collected from policyholders over the remaining life of the long-term care insurance portfolio. This metric is essential for assessing the long-term revenue generation capacity and the sustainability of the block of business. It reflects management's actuarial assumptions regarding policy persistency and future premium adjustments.

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