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Unum UNM Unum US — Reserves for Future Policy Contract Benefits

Other segment segments

Closed Block
$25.09B+4.2%
Unum International
$2.4B+11.2%
Colonial Life
$2.03B+6.7%

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CRBGCorporate & Other — Future policy benefits for life and accident and health insurance contracts
——

Other financials

Income statement

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Revenue$3.4B+8.5%
Operating income$501.8M+2.4%
Net income$232.0M+22.7%
EPS (diluted)$1.41+33.0%

Balance sheet

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Cash & equivalents$192.6M-19.0%
Total debt$3.8B+0.5%
Total equity$10.9B-2.9%
Total assets$62.7B+0.4%

Cash flow

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Operating cash flow$340.8M-3.6%
CapEx$39.6M+10.6%
Free cash flow$301.2M-5.2%

Valuation

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Market cap$14.38B-17.0%
Enterprise value$17.95B-13.3%
P/E18.4×+7.4×
P/S1.1×-0.3×

Profitability

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Net margin5.9%-6.5pp
FCF margin11.2%+1.4pp

Returns & leverage

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Return on equity7.1%-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:SupplementaryInsuranceInformationLiabilityForFuturePolicyBenefitsLossesClaimsAndLossExpenseReserves.

The official record: Unum’s 10-K, filed February 17, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unum's unum US — reserves for future policy contract benefits?
Unum (UNM) reported unum US — reserves for future policy contract benefits of $8.49B in Q4 2025.
How has Unum's unum US — reserves for future policy contract benefits changed year-over-year?
Unum's unum US — reserves for future policy contract benefits decreased by 2.0% year-over-year, from $8.67B to $8.49B.
What does unum US — reserves for future policy contract benefits mean?
The total amount of money set aside to cover future insurance claims and benefit payments.
How do you interpret unum US — reserves for future policy contract benefits?
An increase reflects growth in the book of business or a need to strengthen reserves due to changing risk profiles.
How does unum US — reserves for future policy contract benefits compare across companies?
Standard industry term for 'Policy Reserves' or 'Future Policy Benefit Liabilities'.