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Unum UNM Voluntary Benefits — Net liability for future policy benefits
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Where this comes from
Reported directly by Unum in its filing.
Tagged under the XBRL concept unm:LiabilityForFuturePolicyBenefitBeforeReinsuranceBeforeOther.
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 |
|---|---|---|---|---|---|
| Ending balance at original discount rate | 4,617.2 | 782.8 | 2,954.9 | 3,151.1 | 11,506.0 |
| Effect of change in discount rate assumptions | (114.8) | (10.8) | (238.3) | (52.5) | (416.4) |
| Balance, end of period | $4,502.4 | $772.0 | $2,716.6 | $3,098.6 | $11,089.6 |
| Net liability for future policy benefits | $4,502.4 | $772.0 | $1,148.9 | $1,873.5 | $8,296.8 |
| Other | 0.1 | 0.8 | 4.9 | 26.3 | 32.1 |
| Total liability for future policy benefits | 4,502.5 | 772.8 | 1,153.8 | 1,899.8 | 8,328.9 |
| Less: Reinsurance recoverable related to future policy benefits | 23.3 | 6.8 | 12.7 | 375.3 | 418.1 |
| Net liability for future policy benefits, after reinsurance recoverable | $4,479.2 | $766.0 | $1,141.1 | $1,524.5 | $7,910.8 |
Item 1. Financial Statements (Unaudited):
FAQ
- What is Unum's voluntary benefits — net liability for future policy benefits?
- Unum (UNM) reported voluntary benefits — net liability for future policy benefits of $1.15B in Q2 2026.
- How has Unum's voluntary benefits — net liability for future policy benefits changed year-over-year?
- Unum's voluntary benefits — net liability for future policy benefits increased by 0.7% year-over-year, from $1.14B to $1.15B.
- What is the long-term trend for Unum's voluntary benefits — net liability for future policy benefits?
- Over 3 years (2022 to 2025), Unum's voluntary benefits — net liability for future policy benefits has grown at a -1.7% compound annual growth rate (CAGR), from $4.84B to $4.6B.
- What does voluntary benefits — net liability for future policy benefits mean?
- This represents the net financial obligation for future insurance benefits after accounting for expected future premiums and interest accretion. It captures the residual liability the insurer must fund to meet its long-term contractual promises. This is a core balance sheet metric for assessing the solvency and long-term capital requirements of the segment.
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