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Unum UNM Unum International — Reserve Assumption Updates
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Where this comes from
Reported directly by Unum in its filing.
Tagged under the XBRL concept unm:ReserveAssumptionUpdatesBeforeTax.
The source filing: Unum’s 10-K, filed February 17, 2026.
- Filed
- Feb 17, 2026, 4:30 PM EST
- Fiscal year
- FY2025
- Accession
- 0000005513-26-000008
- In 2025, reserve assumption updates resulting in a net decrease in policy benefits including remeasurement gain or loss in the Unum US, Colonial Life and Unum International segments of $147.7 million, $8.9 million, $5.4 million, respectively, and a net increase in policy benefits including remeasurement gain or loss in the Closed Block segment of $640.5 million.
- In 2024, reserve assumption updates resulting in a net decrease in policy benefits including remeasurement gain or loss in the Unum US, Colonial Life, and Closed Block segments of $143.6 million, $46.0 million, and $175.3 million, respectively, and a net increase in policy benefits including remeasurement gain or loss in the Unum International segment of $7.5 million.
- In 2023, reserve assumption updates resulting in a net decrease in policy benefits including remeasurement gain or loss in the Unum US, and Colonial Life segments of $128.8 million and $80.7 million, respectively, and a net increase in policy benefits including remeasurement gain or loss in the Unum International and Closed Block Segments of $17.9 million and $368.8 million, respectively.
- In 2025, 2024, and 2023 the impact of non-contemporaneous reinsurance of $28.6 million, $25.1 million, and $34.8 million, respectively, in the Closed Block segment. In 2025, the impact of non-contemporaneous reinsurance of $1.0 million in the Unum US segment.
ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
FAQ
- What is Unum's unum international — reserve assumption updates?
- Unum (UNM) reported unum international — reserve assumption updates of $1.35M in Q4 2025.
- How has Unum's unum international — reserve assumption updates changed year-over-year?
- Unum's unum international — reserve assumption updates increased by 172.0% year-over-year, from -$1.88M to $1.35M.
- What is the long-term trend for Unum's unum international — reserve assumption updates?
- Over 2 years (2023 to 2025), Unum's unum international — reserve assumption updates has grown at a -45.1% compound annual growth rate (CAGR), from -$17.9M to $5.4M.
- What does unum international — reserve assumption updates mean?
- This metric represents the financial impact of changes to the actuarial assumptions used to calculate reserves for future policy benefits. It reflects adjustments made when actual experience deviates from original expectations regarding mortality, morbidity, or lapse rates. Significant updates can indicate a need to recalibrate long-term liability projections.
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