What is Unum's voluntary benefits — cash surrender value?

Unum (UNM) reported voluntary benefits — cash surrender value of $527.3M in Q2 2026.

How has Unum's voluntary benefits — cash surrender value changed year-over-year?

Unum's voluntary benefits — cash surrender value decreased by 4.2% year-over-year, from $550.7M to $527.3M.

What is the long-term trend for Unum's voluntary benefits — cash surrender value?

Over 3 years (2022 to 2025), Unum's voluntary benefits — cash surrender value has grown at a -2.3% compound annual growth rate (CAGR), from $2.34B to $2.19B.

What does voluntary benefits — cash surrender value mean?

The amount a policyholder would receive if they were to terminate their policy before it matures. This value is typically calculated based on the account balance minus any applicable surrender charges.

Unum (UNM) Voluntary Benefits — Cash surrender value

Screener

Other product segments

Other Insurance Product Line

$4.01B-0.5%

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3,629,300,000,000%+488,100,000,000pp

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497,500,000,000%+25,100,000,000pp

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:CashSurrenderValueDuePolicyholdersAmount.

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	Unum US - Voluntary Benefits	Colonial Life	Closed Block - All Other	Total
Total policyholders' account balances	656.4	854.6	4,092.5	5,603.5
Less: Reinsurance recoverable related to policyholders' account balances	0.7	0.1	4,092.5	4,093.3
Net policyholders' account balances, after reinsurance recoverable	$655.7	$854.5	—	$1,510.2
Weighted average crediting rate	3.5%	4.1%	8.6%	7.4%
Net amount at risk2	$3,556.7	$7,429.4	$1,613.5	$12,599.6
Cash surrender value	$527.3	$824.5	$4,013.8	$5,365.6
1Contracts included in the policyholders' account balances are generally charged a premium and/or monthly assessments on the basis of the account balance.
2For those guarantees of benefits that are payable in the event of death, the net amount at risk is generally defined as the current guaranteed minimum death benefit in excess of the current account balance at the balance sheet date.

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's voluntary benefits — cash surrender value?: Unum (UNM) reported voluntary benefits — cash surrender value of $527.3M in Q2 2026.
How has Unum's voluntary benefits — cash surrender value changed year-over-year?: Unum's voluntary benefits — cash surrender value decreased by 4.2% year-over-year, from $550.7M to $527.3M.
What is the long-term trend for Unum's voluntary benefits — cash surrender value?: Over 3 years (2022 to 2025), Unum's voluntary benefits — cash surrender value has grown at a -2.3% compound annual growth rate (CAGR), from $2.34B to $2.19B.
What does voluntary benefits — cash surrender value mean?: The amount a policyholder would receive if they were to terminate their policy before it matures. This value is typically calculated based on the account balance minus any applicable surrender charges.