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Unum UNM Other Products — Future Policy Benefits

Other segment segments

Closed Block
$15.3B-12.1%
Unum US
$7.91B-6.9%
Unum International
$2.26B-2.8%
Colonial Life
$2.06B+4.7%

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BRK.AOther Insurance Product Line — Liability For Future Policy Benefits
$2.87B-0.2%

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:LiabilityForFuturePolicyBenefits.

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 itemJune 30 / 2026June 30 / 2025
Liability for future policy benefits
Unum US1$8,328.9$8,611.6
Unum International12,350.82,402.5
Colonial Life2,060.91,968.9
Closed Block124,686.823,996.3
Other products1183.3203.6
Total liability for future policy benefits$37,610.7$37,182.9

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's other products — future policy benefits?
Unum (UNM) reported other products — future policy benefits of $183.3M in Q2 2026.
How has Unum's other products — future policy benefits changed year-over-year?
Unum's other products — future policy benefits decreased by 10.0% year-over-year, from $203.6M to $183.3M.
What is the long-term trend for Unum's other products — future policy benefits?
Over 3 years (2022 to 2025), Unum's other products — future policy benefits has grown at a -3.2% compound annual growth rate (CAGR), from $877.2M to $795.9M.
What does other products — future policy benefits mean?
This metric represents the actuarial liability established for the 'Other Products' segment, reflecting the present value of future benefit payments expected to be made to policyholders. It accounts for long-term obligations associated with products outside the core disability and life insurance lines, such as legacy long-term care or supplemental health offerings. This balance is critical for assessing the long-term solvency and reserve adequacy of the segment's specific product portfolio.

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