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Unum UNM Unum US — Total liability for future policy benefits

Similar metrics at other companies

Globe Life logo
GLUnited American — Liability for Future Policy Benefit, before Reinsurance
$70.67M-23.4%
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GLOther — Liability for Future Policy Benefit, before Reinsurance
$3.56B-0.2%
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FNFUniversal Life — Gross liability, end of period
$3.52B+18.1%
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HIGUniversal Life — Other policyholder funds and benefits payable
$194M-4.0%
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PFGSegment US Insurance Solutions — Liability For Future Policy Benefits And Unpaid Claims And Claims Adjustment Expense
$12.13B-1.1%
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GLUnited American — Liability for Future Policy Benefit, after Reinsurance
$68.69M-23.4%

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 unm:LiabilityForFuturePolicyBenefitBeforeReinsuranceAfterOther.

The official record: Unum’s 10-Q, filed April 29, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unum's unum US — total liability for future policy benefits?
Unum (UNM) reported unum US — total liability for future policy benefits of $8.34B in Q1 2026.
How has Unum's unum US — total liability for future policy benefits changed year-over-year?
Unum's unum US — total liability for future policy benefits decreased by 3.1% year-over-year, from $8.61B to $8.34B.
What is the long-term trend for Unum's unum US — total liability for future policy benefits?
Over 3 years (2022 to 2025), Unum's unum US — total liability for future policy benefits has grown at a -5.6% compound annual growth rate (CAGR), from $40.7B to $34.23B.
What does unum US — total liability for future policy benefits mean?
The total gross amount of future insurance claims the company is obligated to pay.
How do you interpret unum US — total liability for future policy benefits?
Growth in this metric generally mirrors the growth of the insurance book of business, but excessive growth relative to premiums may signal rising long-term risk.
How does unum US — total liability for future policy benefits compare across companies?
Standard 'Gross Policy Reserves' reported by major life and disability insurers.