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Unum UNM Unum US — Net liability for future policy benefits
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Where this comes from
Reported directly by Unum in its filing.
Tagged under the XBRL concept unm:LiabilityForFuturePolicyBenefitBeforeReinsuranceBeforeOther.
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 item | Group Disability | Group Life and AD&D | Voluntary Benefits | Individual Disability | Total Unum US |
|---|---|---|---|---|---|
| Ending balance at original discount rate | 4,617.2 | 782.8 | 2,954.9 | 3,151.1 | 11,506.0 |
| Effect of change in discount rate assumptions | (114.8) | (10.8) | (238.3) | (52.5) | (416.4) |
| Balance, end of period | $4,502.4 | $772.0 | $2,716.6 | $3,098.6 | $11,089.6 |
| Net liability for future policy benefits | $4,502.4 | $772.0 | $1,148.9 | $1,873.5 | $8,296.8 |
| Other | 0.1 | 0.8 | 4.9 | 26.3 | 32.1 |
| Total liability for future policy benefits | 4,502.5 | 772.8 | 1,153.8 | 1,899.8 | 8,328.9 |
| Less: Reinsurance recoverable related to future policy benefits | 23.3 | 6.8 | 12.7 | 375.3 | 418.1 |
| Net liability for future policy benefits, after reinsurance recoverable | $4,479.2 | $766.0 | $1,141.1 | $1,524.5 | $7,910.8 |
Item 1. Financial Statements (Unaudited):
FAQ
- What is Unum's unum US — net liability for future policy benefits?
- Unum (UNM) reported unum US — net liability for future policy benefits of $8.3B in Q2 2026.
- How has Unum's unum US — net liability for future policy benefits changed year-over-year?
- Unum's unum US — net liability for future policy benefits decreased by 3.3% year-over-year, from $8.58B to $8.3B.
- What is the long-term trend for Unum's unum US — net liability for future policy benefits?
- Over 3 years (2022 to 2025), Unum's unum US — net liability for future policy benefits has grown at a -5.6% compound annual growth rate (CAGR), from $40.47B to $34.1B.
- What does unum US — net liability for future policy benefits mean?
- This metric represents the total estimated obligation for future insurance benefits, net of expected future premiums and other adjustments. It is the core balance sheet liability for long-duration insurance products, reflecting the net present value of the company's future commitments. It is a primary indicator of the long-term financial health and reserve adequacy of the insurance segment.
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