XML 147 R130.htm IDEA: XBRL DOCUMENT v3.25.4
Schedule III Supplementary Insurance Information (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Supplementary Insurance Information, by Segment      
Deferred Acquisition Costs $ 2,920.3 $ 2,842.8  
Reserves for Future Policy Contract Benefits 38,017.0 36,806.4  
Policyholder Account Balances 5,636.4 5,633.7  
Unearned Premiums 412.8 384.0  
Premium Income 10,831.0 10,497.4 $ 10,046.0
Net Investment Income [1] 2,032.7 2,130.0 2,096.7
Benefits and Change in Reserves for Future Benefits [2] 8,065.3 6,917.9 7,257.1
Amortization of Deferred Acquisition Costs 527.1 521.0 481.4
All Other Expenses [3] 3,549.6 3,197.1 3,007.3
Amortization of Deferred Loss on Reinsurance 116.7 41.4 44.1
Accelerated Charitable Contribution 20.0 0.0 0.0
Settlement Loss on the U.S. Pension Plan Annuity Purchase 103.8 0.0 0.0
Loss on Legal Settlement   15.3  
Pension Plan | UNITED STATES      
Supplementary Insurance Information, by Segment      
Settlement Loss on the U.S. Pension Plan Annuity Purchase 103.8 0.0 0.0
Unum US      
Supplementary Insurance Information, by Segment      
Deferred Acquisition Costs 1,208.7 1,260.6  
Reserves for Future Policy Contract Benefits 8,493.4 8,669.7  
Policyholder Account Balances 665.7 675.7  
Unearned Premiums 48.7 51.7  
Premium Income 7,083.5 6,883.2 6,579.2
Net Investment Income [1] 604.2 632.2 639.9
Benefits and Change in Reserves for Future Benefits [2] 4,120.4 3,864.7 3,808.5
Amortization of Deferred Acquisition Costs 283.3 292.5 267.6
All Other Expenses [3] 2,115.2 2,011.3 1,879.2
Premiums Written [4] 4,947.5 4,834.0 4,634.3
Reserve Assumption Updates 147.7 143.6 128.8
Unum International      
Supplementary Insurance Information, by Segment      
Deferred Acquisition Costs 72.1 53.0  
Reserves for Future Policy Contract Benefits 2,404.3 2,163.0  
Policyholder Account Balances 0.0 0.0  
Unearned Premiums 201.5 165.5  
Premium Income 1,082.8 949.5 825.2
Net Investment Income [1] 145.6 128.8 137.2
Benefits and Change in Reserves for Future Benefits [2] 767.4 656.7 579.8
Amortization of Deferred Acquisition Costs 10.7 9.5 8.4
All Other Expenses [3] 300.3 263.4 235.6
Premiums Written [4] 613.6 581.6 544.4
Reserve Assumption Updates 5.4 (7.5) (17.9)
Colonial Life      
Supplementary Insurance Information, by Segment      
Deferred Acquisition Costs 1,639.5 1,529.2  
Reserves for Future Policy Contract Benefits 2,032.0 1,904.2  
Policyholder Account Balances 858.9 862.5  
Unearned Premiums 46.9 45.4  
Premium Income 1,839.1 1,783.9 1,726.1
Net Investment Income [1] 172.6 161.5 153.5
Benefits and Change in Reserves for Future Benefits [2] 876.2 804.7 798.1
Amortization of Deferred Acquisition Costs 233.1 219.0 205.4
All Other Expenses [3] 431.5 413.0 396.5
Premiums Written [4] 1,278.1 1,247.4 1,221.8
Reserve Assumption Updates 8.9 46.0 80.7
Closed Block      
Supplementary Insurance Information, by Segment      
Deferred Acquisition Costs 0.0 0.0  
Reserves for Future Policy Contract Benefits 25,087.3 24,069.5  
Policyholder Account Balances 4,111.8 4,095.5  
Unearned Premiums 115.7 121.4  
Premium Income 825.6 880.8 915.5
Net Investment Income [1] 1,016.5 1,148.9 1,066.3
Benefits and Change in Reserves for Future Benefits [2] 2,301.3 1,591.8 2,070.7
Amortization of Deferred Acquisition Costs 0.0 0.0 0.0
All Other Expenses [3] 313.0 243.0 246.5
Premiums Written [4] 818.8 868.1 904.2
Reserve Assumption Updates (640.5) 175.3 (368.8)
Corporate and Other Segment      
Supplementary Insurance Information, by Segment      
Premium Income 0.0 0.0 0.0
Net Investment Income [1] 93.8 58.6 99.8
Benefits and Change in Reserves for Future Benefits [2] 0.0 0.0 0.0
Amortization of Deferred Acquisition Costs 0.0 0.0 0.0
All Other Expenses [3] 389.6 266.4 249.5
Premiums Written [4] 0.0 0.0 0.0
Operating Segments      
Supplementary Insurance Information, by Segment      
Reserve Assumption Updates (478.5) 357.4 (177.2)
Loss on Legal Settlement 0.0 15.3 0.0
Operating Segments | Unum US      
Supplementary Insurance Information, by Segment      
Non-Contemporaneous Reinsurance (1.0)    
Operating Segments | Closed Block      
Supplementary Insurance Information, by Segment      
Non-Contemporaneous Reinsurance $ (28.6) $ 25.1 $ 34.8
[1] Net investment income is allocated based upon segmentation. Each segment has its own specifically identified assets and receives the investment income generated by those assets.
[2] Included in policy benefits including remeasurement loss or gain were the following:
In 2025, reserve assumption updates resulting in a net decrease in policy benefits including remeasurement gain or loss in the Unum US, Colonial Life and Unum International segments of $147.7 million, $8.9 million, $5.4 million, respectively, and a net increase in policy benefits including remeasurement gain or loss in the Closed Block segment of $640.5 million.
In 2024, reserve assumption updates resulting in a net decrease in policy benefits including remeasurement gain or loss in the Unum US, Colonial Life, and Closed Block segments of $143.6 million, $46.0 million, and $175.3 million, respectively, and a net increase in policy benefits including remeasurement gain or loss in the Unum International segment of $7.5 million.
In 2023, reserve assumption updates resulting in a net decrease in policy benefits including remeasurement gain or loss in the Unum US, and Colonial Life segments of $128.8 million and $80.7 million, respectively, and a net increase in policy benefits including remeasurement gain or loss in the Unum International and Closed Block Segments of $17.9 million and $368.8 million, respectively.
In 2025, 2024, and 2023 the impact of non-contemporaneous reinsurance of $28.6 million, $25.1 million, and $34.8 million, respectively, in the Closed Block segment. In 2025, the impact of non-contemporaneous reinsurance of $1.0 million in the Unum US segment.
[3] Includes commissions, interest and debt expense, deferral of acquisition costs, compensation expense, and other expenses. Where not directly attributable to a segment, expenses are generally allocated based on activity levels, time information, and usage statistics. Also included in all other expenses were the following:
In 2025, 2024 and 2023 the amortization of the cost of reinsurance of $116.7 million, $41.4 million, and $44.1 million respectively, in the Closed Block segment.
In 2025, we incurred an expense related to an accelerated charitable contribution of $20.0 million, in the Corporate segment.
In 2025, we incurred a settlement loss on the U.S. pension plan annuity purchase of $103.8 million, in the Corporate segment.
In 2024, we incurred a loss on legal settlement of $15.3 million for the settlement of an employment-related matter, in the Corporate segment.
[4] Excludes life insurance