Unum (UNM) Unum US — Reserves for Future Policy Contract Benefits

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Other segment segments

Closed Block

$25.09B+4.2%

Unum International

$2.4B+11.2%

Colonial Life

$2.03B+6.7%

Similar metrics at other companies

JXNInstitutional Products — Reserves for Future Policy Benefits and Claims Payable

$0—

JXNRetail Annuities — Reserves for Future Policy Benefits and Claims Payable

$1.5B+6.2%

VOYAEmployee Benefits — Future Policy Benefits and Contract Owner Account Balances

$2.3B-5.7%

LNCAnnuities — Future Contract Benefits

$2.05B+1.7%

CRBGCorporate & Other — Future Policy Benefits

$20.1B-2.6%

CRBGGroup Retirement — Future Policy Benefits

$311M+46.0%

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:SupplementaryInsuranceInformationLiabilityForFuturePolicyBenefitsLossesClaimsAndLossExpenseReserves.

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

| Unum US | $1,208.7 | $8,493.4 | $665.7 | $48.7 | | Unum International | 72.1 | 2,404.3 | — | 201.5 | | Colonial Life | 1,639.5 | 2,032.0 | 858.9 | 46.9 | | Closed Block | — | 25,087.3 | 4,111.8 | 115.7 | | Total | $2,920.3 | $38,017.0 | $5,636.4 | $412.8 | | December 31, 2024 | | | | | | Unum US | $1,260.6 | $8,669.7 | $675.7 | $51.7 | | Unum International | 53.0 | 2,163.0 | — | 165.5 |

ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

FAQ

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?: This represents the estimated liability for future insurance benefits that the company expects to pay to policyholders. It is calculated based on actuarial assumptions regarding mortality, morbidity, and interest rates. This is a critical balance sheet item reflecting the long-term financial commitment of the insurance segment.