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Unum UNM Voluntary Benefits — Effect of change in discount rate assumptions
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Where this comes from
Reported directly by Unum in its filing.
Tagged under the XBRL concept us-gaap:AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax.
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 |
|---|---|---|---|---|---|
| Interest accretion | — | — | 26.5 | 25.9 | 52.4 |
| Net premiums collected | — | — | (130.1) | (94.9) | (225.0) |
| Ending balance at original discount rate | — | — | 1,642.9 | 1,236.8 | 2,879.7 |
| Effect of change in discount rate assumptions | — | — | (75.2) | (11.7) | (86.9) |
| Balance, end of period | — | — | $1,567.7 | $1,225.1 | $2,792.8 |
| Present Value of Expected Future Policy Benefits | |||||
| Balance, beginning of year | $4,588.1 | $801.6 | $2,536.9 | $3,140.7 | $11,067.3 |
| Beginning balance at original discount rate | 4,656.9 | 807.5 | 2,751.1 | 3,150.4 | 11,365.9 |
Item 1. Financial Statements (Unaudited):
FAQ
- What is Unum's voluntary benefits — effect of change in discount rate assumptions?
- Unum (UNM) reported voluntary benefits — effect of change in discount rate assumptions of -$75.2M in Q2 2026.
- How has Unum's voluntary benefits — effect of change in discount rate assumptions changed year-over-year?
- Unum's voluntary benefits — effect of change in discount rate assumptions decreased by 2.3% year-over-year, from -$73.5M to -$75.2M.
- What is the long-term trend for Unum's voluntary benefits — effect of change in discount rate assumptions?
- Over 3 years (2022 to 2025), Unum's voluntary benefits — effect of change in discount rate assumptions has grown at a 13.2% compound annual growth rate (CAGR), from -$185.2M to -$269M.
- What does voluntary benefits — effect of change in discount rate assumptions mean?
- This metric quantifies the impact on the liability for future policy benefits caused by changes in the discount rate used to calculate the present value of future cash flows. Because long-term liabilities are sensitive to interest rates, this metric highlights the segment's exposure to market interest rate volatility. It is a key component of the reconciliation of reserve movements.
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