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Unum UNM Long-term Care — Interest accretion rate

Other product segments

Voluntary Benefits
5%0.0%
Other Insurance Product Line
4.6%0.0%

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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:LiabilityForFuturePolicyBenefitWeightedAverageInterestAccretionRate.

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
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%
Weighted average duration of the liability14.2 years7.0 years12.1 years

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's long-term care — interest accretion rate?
Unum (UNM) reported long-term care — interest accretion rate of 5.6% in Q2 2026.
How has Unum's long-term care — interest accretion rate changed year-over-year?
Unum's long-term care — interest accretion 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 — interest accretion rate?
Over 3 years (2022 to 2025), Unum's long-term care — interest accretion rate has grown at a 0.6% compound annual growth rate (CAGR), from 22% to 22.4%.
What does long-term care — interest accretion rate mean?
The rate at which the liability for future policy benefits increases over time due to the passage of time, reflecting the time value of money. This rate is critical for calculating the present value of future obligations in long-duration insurance contracts. It serves as a key driver of the non-cash interest expense recognized in the income statement.

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