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Unum UNM Voluntary Benefits — Policyholder Account Balance, Benefit Payment

Other product segments

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$21.2M-41.8%

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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:PolicyholderAccountBalanceBenefitPayment.

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 itemUnum US - Voluntary BenefitsColonial LifeClosed Block - All OtherTotal
Premiums received22.536.19.067.6
Policy charges1(26.0)(33.9)(57.0)(116.9)
Surrenders and withdrawals(18.8)(18.2)(70.5)(107.5)
Benefit payments(2.8)(4.4)(75.4)(82.6)
Interest credited9.416.9168.2194.5
Other3.6(0.3)2.86.1
Balance, end of period536.3841.44,050.55,428.2
Reserves in excess of account balance120.113.242.0175.3

Item 1. Financial Statements (Unaudited):

FAQ

What is Unum's voluntary benefits — policyholder account balance, benefit payment?
Unum (UNM) reported voluntary benefits — policyholder account balance, benefit payment of $1.4M in Q2 2026.
How has Unum's voluntary benefits — policyholder account balance, benefit payment changed year-over-year?
Unum's voluntary benefits — policyholder account balance, benefit payment decreased by 6.7% year-over-year, from $1.5M to $1.4M.
What is the long-term trend for Unum's voluntary benefits — policyholder account balance, benefit payment?
Over 4 years (2021 to 2025), Unum's voluntary benefits — policyholder account balance, benefit payment has grown at a -14.8% compound annual growth rate (CAGR), from $11.4M to $6M.
What does voluntary benefits — policyholder account balance, benefit payment mean?
The total cash outflows paid to policyholders or beneficiaries from their account balances due to covered insurance events. This represents the actual fulfillment of the insurer's obligations to the customer. Monitoring these payments is crucial for assessing the adequacy of reserves and the underlying risk of the product portfolio.

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