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Unum UNM Voluntary Benefits — Reserves in excess of account balance
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Where this comes from
Reported directly by Unum in its filing.
Tagged under the XBRL concept unm:PolicyholderAccountBalanceReservesInExcessOfAccountBalance.
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 |
|---|---|---|---|---|
| Interest credited | 9.4 | 16.9 | 168.2 | 194.5 |
| Other | 3.6 | (0.3) | 2.8 | 6.1 |
| Balance, end of period | 536.3 | 841.4 | 4,050.5 | 5,428.2 |
| Reserves in excess of account balance | 120.1 | 13.2 | 42.0 | 175.3 |
| 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% |
Item 1. Financial Statements (Unaudited):
FAQ
- What is Unum's voluntary benefits — reserves in excess of account balance?
- Unum (UNM) reported voluntary benefits — reserves in excess of account balance of $120.1M in Q2 2026.
- How has Unum's voluntary benefits — reserves in excess of account balance changed year-over-year?
- Unum's voluntary benefits — reserves in excess of account balance increased by 9.3% year-over-year, from $109.9M to $120.1M.
- What is the long-term trend for Unum's voluntary benefits — reserves in excess of account balance?
- Over 3 years (2022 to 2025), Unum's voluntary benefits — reserves in excess of account balance has grown at a 8.3% compound annual growth rate (CAGR), from $354.9M to $451M.
- What does voluntary benefits — reserves in excess of account balance mean?
- The additional reserves held by the insurer beyond the current policyholder account balance to cover future benefit obligations. These reserves are established to ensure the company can meet long-term commitments, especially when future benefits are expected to exceed current account values. This reflects the actuarial assessment of long-term risk.
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