XML 77 R62.htm IDEA: XBRL DOCUMENT v3.26.1
Liability for Future Policy Benefit Activity (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Dec. 31, 2025
Dec. 31, 2024
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Foreign currency $ (63.9) $ 103.6    
Expected future benefit payments 101,887.4 103,072.4    
Expected future gross premiums 39,799.3 39,765.5    
Expected future gross premiums $ 26,452.4 $ 26,189.2    
Interest accretion rate 5.00% 4.90%    
Weighted average duration of the liability 11 years 1 month 6 days 11 years 4 months 24 days    
Future Policy Benefits $ 37,300.5   $ 38,017.0  
Unum US        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Present Value of Expected Net Premiums, Balance at beginning of year 2,622.0 $ 2,442.7    
Beginning balance at original discount rate 2,679.8 2,566.0    
Effect of changes in cash flow assumptions     0.0 $ 0.0
Effect of actual variances from expected experience     (46.0) (103.1)
Adjusted beginning of year balance     2,633.8 2,462.9
Issuances 343.8 344.1    
Interest accretion 26.6 25.4    
Net premiums collected (115.4) (105.3)    
Ending balance at original discount rate 2,888.8 2,727.1    
Effect of change in discount rate assumptions (89.4) (93.5)    
Present Value of Expected Net Premiums, balance at end of period 2,799.4 2,633.6    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Present value of expected future policy benefits, beginning of year 11,067.3 11,030.0    
Beginning balance at original discount rate 11,365.9 11,565.8    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (75.9) (178.8)
Adjusted beginning of year balance     11,290.0 11,387.0
Issuances 956.7 [1] 970.7 [2]    
Interest accretion 108.5 111.6    
Benefit payments (815.6) (822.0)    
Ending balance at original discount rate 11,539.6 11,647.3    
Effect of change in discount rate assumptions (428.6) (432.2)    
Balance, end of period 11,111.0 11,215.1    
Net liability for future policy benefits 8,311.6 8,581.5    
Other 32.2 29.6    
Total liability for future policy benefits 8,343.8 8,611.1    
Less: Reinsurance recoverable related to future policy benefits 418.6 118.4    
Net liability for future policy benefits, after reinsurance recoverable 7,925.2 8,492.7    
Gross premiums or assessments 1,786.0 1,690.6    
Interest accretion 81.9 86.2    
Expected future benefit payments 17,746.6 17,799.0    
Expected future gross premiums 12,699.7 12,138.2    
Expected future gross premiums $ 8,595.9 $ 8,303.2    
Interest accretion rate 4.40% 4.30%    
Current discount rate 4.70% 4.70%    
Weighted average duration of the liability 7 years 7 years 1 month 6 days    
Future Policy Benefits [3] $ 8,343.8 $ 8,611.1    
Unum International        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Present Value of Expected Net Premiums, Balance at beginning of year 352.8 276.1    
Beginning balance at original discount rate 378.0 314.2    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (1.4) 1.1
Adjusted beginning of year balance     376.6 315.3
Issuances 11.4 8.3    
Interest accretion 3.7 3.0    
Net premiums collected (9.4) (7.8)    
Foreign currency (12.7) 21.2    
Ending balance at original discount rate 369.6 340.0    
Effect of change in discount rate assumptions (41.5) (37.5)    
Present Value of Expected Net Premiums, balance at end of period 328.1 302.5    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Present value of expected future policy benefits, beginning of year 2,699.0 2,391.6    
Beginning balance at original discount rate 2,923.4 2,641.5    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (3.7) (7.3)
Adjusted beginning of year balance     2,919.7 2,634.2
Issuances [4] 138.4 117.6    
Interest accretion 19.9 17.5    
Benefit payments (158.3) (138.9)    
Ending balance at original discount rate 2,855.8 2,734.0    
Effect of change in discount rate assumptions (337.4) (266.5)    
Balance, end of period 2,518.4 2,467.5    
Net liability for future policy benefits 2,190.3 2,165.0    
Other 49.5 45.8    
Total liability for future policy benefits 2,239.8 2,210.8    
Less: Reinsurance recoverable related to future policy benefits 71.4 68.7    
Net liability for future policy benefits, after reinsurance recoverable 2,168.4 2,142.1    
Gross premiums or assessments 287.3 241.3    
Interest accretion 16.2 14.5    
Expected future benefit payments 4,627.9 4,431.6    
Expected future gross premiums 1,631.1 1,419.2    
Expected future gross premiums $ 1,011.5 $ 895.9    
Interest accretion rate 4.20% 4.10%    
Current discount rate 5.50% 5.20%    
Weighted average duration of the liability 8 years 8 months 12 days 8 years 10 months 24 days    
Future Policy Benefits [3] $ 2,239.8 $ 2,210.8    
Colonial Life        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Present Value of Expected Net Premiums, Balance at beginning of year 3,709.0 3,553.3    
Beginning balance at original discount rate 3,850.9 3,793.8    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (13.5) (11.3)
Adjusted beginning of year balance     3,837.4 3,782.5
Issuances 174.6 149.8    
Interest accretion 37.1 36.8    
Net premiums collected (168.8) (165.2)    
Ending balance at original discount rate 3,880.3 3,803.9    
Effect of change in discount rate assumptions (182.4) (198.8)    
Present Value of Expected Net Premiums, balance at end of period 3,697.9 3,605.1    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Present value of expected future policy benefits, beginning of year 5,710.4 5,434.9    
Beginning balance at original discount rate 6,179.4 6,026.2    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (25.8) (20.0)
Adjusted beginning of year balance     6,153.6 6,006.2
Issuances 182.7 157.3    
Interest accretion 61.9 60.5    
Benefit payments (170.0) (168.1)    
Ending balance at original discount rate 6,228.2 6,055.9    
Effect of change in discount rate assumptions (546.1) (531.4)    
Balance, end of period 5,682.1 5,524.5    
Net liability for future policy benefits 1,984.2 1,919.4    
Other 29.3 24.7    
Total liability for future policy benefits 2,013.5 1,944.1    
Less: Reinsurance recoverable related to future policy benefits 1.5 1.0    
Net liability for future policy benefits, after reinsurance recoverable 2,012.0 1,943.1    
Gross premiums or assessments 457.1 442.0    
Interest accretion 24.8 23.7    
Expected future benefit payments 11,231.7 10,537.5    
Expected future gross premiums 13,374.6 12,748.0    
Expected future gross premiums $ 9,425.7 $ 9,110.3    
Interest accretion rate 4.40% 4.40%    
Current discount rate 5.50% 5.30%    
Weighted average duration of the liability 17 years 7 months 6 days 17 years 3 months 18 days    
Future Policy Benefits $ 2,013.5 $ 1,944.1    
Closed Block        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Present Value of Expected Net Premiums, Balance at beginning of year 7,732.7 7,658.5    
Beginning balance at original discount rate 7,484.3 7,592.9    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (174.1) (69.9)
Adjusted beginning of year balance     7,310.2 7,523.0
Interest accretion 95.1 98.0    
Net premiums collected (161.7) (157.1)    
Ending balance at original discount rate 7,243.6 7,463.9    
Effect of change in discount rate assumptions 124.3 148.4    
Present Value of Expected Net Premiums, balance at end of period 7,367.9 7,612.3    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Present value of expected future policy benefits, beginning of year 31,206.4 30,063.6    
Beginning balance at original discount rate 31,169.8 30,544.7    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (69.0) (82.9)
Adjusted beginning of year balance     31,100.8 30,461.8
Issuances 22.9 [5] 26.9 [6]    
Interest accretion 392.2 383.1    
Benefit payments (497.2) (489.7)    
Ending balance at original discount rate 31,018.7 30,382.1    
Effect of change in discount rate assumptions (553.3) (192.8)    
Balance, end of period 30,465.4 30,189.3    
Net liability for future policy benefits 23,097.5 22,577.0    
Other 1,417.9 1,479.9    
Total liability for future policy benefits 24,515.4 24,056.9    
Less: Reinsurance recoverable related to future policy benefits 9,548.6 6,700.1    
Net liability for future policy benefits, after reinsurance recoverable 14,966.8 17,356.8    
Gross premiums or assessments 212.4 218.2    
Interest accretion 297.1 285.1    
Expected future benefit payments 68,281.2 70,304.3    
Expected future gross premiums 12,093.9 13,460.1    
Expected future gross premiums $ 7,419.3 $ 7,879.8    
Interest accretion rate 5.30% 5.30%    
Current discount rate 5.60% 5.40%    
Weighted average duration of the liability 12 years 2 months 12 days 12 years 9 months 18 days    
Future Policy Benefits [3] $ 24,515.4 $ 24,056.9    
Other Products        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Future Policy Benefits [3] 188.0 207.8    
Group Disability | Unum US        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Present Value of Expected Net Premiums, Balance at beginning of year 0.0 0.0    
Beginning balance at original discount rate 0.0 0.0    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     0.0 0.0
Adjusted beginning of year balance     0.0 0.0
Issuances 0.0 0.0    
Interest accretion 0.0 0.0    
Net premiums collected 0.0 0.0    
Ending balance at original discount rate 0.0 0.0    
Effect of change in discount rate assumptions 0.0 0.0    
Present Value of Expected Net Premiums, balance at end of period 0.0 0.0    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Present value of expected future policy benefits, beginning of year 4,588.1 4,735.8    
Beginning balance at original discount rate 4,656.9 4,907.5    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (16.0) (45.3)
Adjusted beginning of year balance     4,640.9 4,862.2
Issuances 406.1 [1] 410.6 [2]    
Interest accretion 38.6 42.1    
Benefit payments (460.1) (452.4)    
Ending balance at original discount rate 4,625.5 4,862.5    
Effect of change in discount rate assumptions (105.5) (133.9)    
Balance, end of period 4,520.0 4,728.6    
Net liability for future policy benefits 4,520.0 4,728.6    
Other 0.1 0.2    
Total liability for future policy benefits 4,520.1 4,728.8    
Less: Reinsurance recoverable related to future policy benefits 23.8 25.5    
Net liability for future policy benefits, after reinsurance recoverable 4,496.3 4,703.3    
Gross premiums or assessments 814.6 779.6    
Interest accretion 38.6 42.1    
Expected future benefit payments 5,571.5 5,862.0    
Expected future gross premiums 0.0 0.0    
Expected future gross premiums $ 0.0 $ 0.0    
Interest accretion rate 4.30% 4.20%    
Current discount rate 4.70% 4.70%    
Weighted average duration of the liability 3 years 10 months 24 days 4 years 1 month 6 days    
Group Life and AD&D | Unum US        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Present Value of Expected Net Premiums, Balance at beginning of year $ 0.0 $ 0.0    
Beginning balance at original discount rate 0.0 0.0    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     0.0 0.0
Adjusted beginning of year balance     0.0 0.0
Issuances 0.0 0.0    
Interest accretion 0.0 0.0    
Net premiums collected 0.0 0.0    
Ending balance at original discount rate 0.0 0.0    
Effect of change in discount rate assumptions 0.0 0.0    
Present Value of Expected Net Premiums, balance at end of period 0.0 0.0    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Present value of expected future policy benefits, beginning of year 801.6 835.2    
Beginning balance at original discount rate 807.5 852.6    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (21.9) (20.9)
Adjusted beginning of year balance     785.6 831.7
Issuances 194.2 [1] 203.6 [2]    
Interest accretion 4.5 4.8    
Benefit payments (195.9) (220.9)    
Ending balance at original discount rate 788.4 819.2    
Effect of change in discount rate assumptions (10.1) (13.2)    
Balance, end of period 778.3 806.0    
Net liability for future policy benefits 778.3 806.0    
Other 0.9 0.8    
Total liability for future policy benefits 779.2 806.8    
Less: Reinsurance recoverable related to future policy benefits 7.3 6.2    
Net liability for future policy benefits, after reinsurance recoverable 771.9 800.6    
Gross premiums or assessments 556.5 520.3    
Interest accretion 4.5 4.8    
Expected future benefit payments 891.3 930.0    
Expected future gross premiums 0.0 0.0    
Expected future gross premiums $ 0.0 $ 0.0    
Interest accretion rate 2.40% 2.40%    
Current discount rate 2.70% 2.70%    
Weighted average duration of the liability 2 years 3 months 18 days 2 years 6 months    
Voluntary Benefits | Unum US        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Present Value of Expected Net Premiums, Balance at beginning of year $ 1,385.5 $ 1,240.2    
Beginning balance at original discount rate 1,447.3 1,335.3    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (39.7) (55.1)
Adjusted beginning of year balance     1,407.6 1,280.2
Issuances 292.4 250.7    
Interest accretion 13.5 12.4    
Net premiums collected (66.7) (58.2)    
Ending balance at original discount rate 1,646.8 1,485.1    
Effect of change in discount rate assumptions (78.1) (78.6)    
Present Value of Expected Net Premiums, balance at end of period 1,568.7 1,406.5    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Present value of expected future policy benefits, beginning of year 2,536.9 2,362.5    
Beginning balance at original discount rate 2,751.1 2,614.6    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (40.9) (58.1)
Adjusted beginning of year balance     2,710.2 2,556.5
Issuances 303.5 [1] 260.8 [2]    
Interest accretion 28.9 27.7    
Benefit payments (84.1) (74.2)    
Ending balance at original discount rate 2,958.5 2,770.8    
Effect of change in discount rate assumptions (254.7) (229.2)    
Balance, end of period 2,703.8 2,541.6    
Net liability for future policy benefits 1,135.1 1,135.1    
Other 4.6 2.8    
Total liability for future policy benefits 1,139.7 1,137.9    
Less: Reinsurance recoverable related to future policy benefits 13.0 13.3    
Net liability for future policy benefits, after reinsurance recoverable 1,126.7 1,124.6    
Gross premiums or assessments 240.4 219.9    
Interest accretion 15.4 15.3    
Expected future benefit payments 6,188.6 5,868.6    
Expected future gross premiums 6,887.3 6,325.6    
Expected future gross premiums $ 4,404.1 $ 4,121.9    
Interest accretion rate 5.00% 5.00%    
Current discount rate 5.70% 5.50%    
Weighted average duration of the liability 18 years 2 months 12 days 18 years 4 months 24 days    
Individual Disability | Unum US        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Present Value of Expected Net Premiums, Balance at beginning of year $ 1,236.5 $ 1,202.5    
Beginning balance at original discount rate 1,232.5 1,230.7    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (6.3) (48.0)
Adjusted beginning of year balance     1,226.2 1,182.7
Issuances 51.4 93.4    
Interest accretion 13.1 13.0    
Net premiums collected (48.7) (47.1)    
Ending balance at original discount rate 1,242.0 1,242.0    
Effect of change in discount rate assumptions (11.3) (14.9)    
Present Value of Expected Net Premiums, balance at end of period 1,230.7 1,227.1    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Present value of expected future policy benefits, beginning of year 3,140.7 3,096.5    
Beginning balance at original discount rate 3,150.4 3,191.1    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     2.9 (54.5)
Adjusted beginning of year balance     3,153.3 3,136.6
Issuances 52.9 [1] 95.7 [2]    
Interest accretion 36.5 37.0    
Benefit payments (75.5) (74.5)    
Ending balance at original discount rate 3,167.2 3,194.8    
Effect of change in discount rate assumptions (58.3) (55.9)    
Balance, end of period 3,108.9 3,138.9    
Net liability for future policy benefits 1,878.2 1,911.8    
Other 26.6 25.8    
Total liability for future policy benefits 1,904.8 1,937.6    
Less: Reinsurance recoverable related to future policy benefits 374.5 73.4    
Net liability for future policy benefits, after reinsurance recoverable 1,530.3 1,864.2    
Gross premiums or assessments 174.5 170.8    
Interest accretion 23.4 24.0    
Expected future benefit payments 5,095.2 5,138.4    
Expected future gross premiums 5,812.4 5,812.6    
Expected future gross premiums $ 4,191.8 $ 4,181.3    
Interest accretion rate 5.20% 5.10%    
Current discount rate 5.20% 5.10%    
Weighted average duration of the liability 9 years 4 months 24 days 9 years 6 months    
Long-term Care | Closed Block        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Present Value of Expected Net Premiums, Balance at beginning of year $ 7,732.7 $ 7,658.5    
Beginning balance at original discount rate 7,484.3 7,592.9    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (174.1) (69.9)
Adjusted beginning of year balance     7,310.2 7,523.0
Interest accretion 95.1 98.0    
Net premiums collected (161.7) (157.1)    
Ending balance at original discount rate 7,243.6 7,463.9    
Effect of change in discount rate assumptions 124.3 148.4    
Present Value of Expected Net Premiums, balance at end of period 7,367.9 7,612.3    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Present value of expected future policy benefits, beginning of year 24,420.6 22,925.2    
Beginning balance at original discount rate 24,113.6 22,953.7    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (64.1) (63.0)
Adjusted beginning of year balance     24,049.5 22,890.7
Issuances 0.0 [5] 0.0 [6]    
Interest accretion 314.5 299.6    
Benefit payments (283.0) (254.3)    
Ending balance at original discount rate 24,081.0 22,936.0    
Effect of change in discount rate assumptions (192.3) 176.9    
Balance, end of period 23,888.7 23,112.9    
Net liability for future policy benefits 16,520.8 15,500.6    
Other 10.2 0.2    
Total liability for future policy benefits 16,531.0 15,500.8    
Less: Reinsurance recoverable related to future policy benefits 3,293.4 3.7    
Net liability for future policy benefits, after reinsurance recoverable 13,237.6 15,497.1    
Gross premiums or assessments 176.9 176.2    
Interest accretion 219.4 201.6    
Expected future benefit payments 58,230.7 59,439.9    
Expected future gross premiums 12,093.9 13,460.1    
Expected future gross premiums $ 7,419.3 $ 7,879.8    
Interest accretion rate 5.60% 5.60%    
Current discount rate 5.70% 5.50%    
Weighted average duration of the liability 14 years 4 months 24 days 15 years 6 months    
Liability for Future Policy Benefit, Adverse Development, Expense $ 49.1      
Other Insurance Product Line | Closed Block        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Present Value of Expected Net Premiums, Balance at beginning of year 0.0 $ 0.0    
Beginning balance at original discount rate 0.0 0.0    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     0.0 0.0
Adjusted beginning of year balance     0.0 0.0
Interest accretion 0.0 0.0    
Net premiums collected 0.0 0.0    
Ending balance at original discount rate 0.0 0.0    
Effect of change in discount rate assumptions 0.0 0.0    
Present Value of Expected Net Premiums, balance at end of period 0.0 0.0    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Present value of expected future policy benefits, beginning of year 6,785.8 7,138.4    
Beginning balance at original discount rate 7,056.2 7,591.0    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (4.9) (19.9)
Adjusted beginning of year balance     7,051.3 7,571.1
Issuances 22.9 [5] 26.9 [6]    
Interest accretion 77.7 83.5    
Benefit payments (214.2) (235.4)    
Ending balance at original discount rate 6,937.7 7,446.1    
Effect of change in discount rate assumptions (361.0) (369.7)    
Balance, end of period 6,576.7 7,076.4    
Net liability for future policy benefits 6,576.7 7,076.4    
Other 1,407.7 [7] 1,479.7 [8]    
Total liability for future policy benefits 7,984.4 8,556.1    
Less: Reinsurance recoverable related to future policy benefits 6,255.2 6,696.4    
Net liability for future policy benefits, after reinsurance recoverable 1,729.2 1,859.7    
Gross premiums or assessments 35.5 42.0    
Interest accretion 77.7 83.5    
Expected future benefit payments 10,050.5 10,864.4    
Expected future gross premiums 0.0 0.0    
Expected future gross premiums $ 0.0 $ 0.0    
Interest accretion rate 4.60% 4.60%    
Current discount rate 5.30% 5.20%    
Weighted average duration of the liability 7 years 1 month 6 days 7 years 2 months 12 days    
Operating Segments        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Present Value of Expected Net Premiums, Balance at beginning of year $ 14,416.5 $ 13,930.6    
Beginning balance at original discount rate 14,393.0 14,266.9    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (235.0) (183.2)
Adjusted beginning of year balance     14,158.0 14,083.7
Issuances 529.8 502.2    
Interest accretion 162.5 163.2    
Net premiums collected (455.3) (435.4)    
Foreign currency (12.7) 21.2    
Ending balance at original discount rate 14,382.3 14,334.9    
Effect of change in discount rate assumptions (189.0) (181.4)    
Present Value of Expected Net Premiums, balance at end of period 14,193.3 14,153.5    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Present value of expected future policy benefits, beginning of year 50,683.1 48,920.1    
Beginning balance at original discount rate 51,638.5 50,778.2    
Effect of changes in cash flow assumptions     0.0 0.0
Effect of actual variances from expected experience     (174.4) (289.0)
Adjusted beginning of year balance     $ 51,464.1 $ 50,489.2
Issuances [9] 1,300.7 1,272.5    
Interest accretion 582.5 572.7    
Benefit payments (1,641.1) (1,618.7)    
Foreign currency (63.9) 103.6    
Ending balance at original discount rate 51,642.3 50,819.3    
Effect of change in discount rate assumptions (1,865.4) (1,422.9)    
Balance, end of period 49,776.9 49,396.4    
Net liability for future policy benefits 35,583.6 35,242.9    
Other [10] 1,528.9 1,580.0    
Total liability for future policy benefits 37,112.5 36,822.9    
Less: Reinsurance recoverable related to future policy benefits 10,040.1 6,888.2    
Net liability for future policy benefits, after reinsurance recoverable 27,072.4 29,934.7    
Gross premiums or assessments 2,742.8 2,592.1    
Interest accretion $ 420.0 $ 409.5    
Current discount rate 5.40% 5.20% 5.10% 5.30%
Future Policy Benefits $ 37,300.5 $ 37,030.7    
[1]
1Issuances include new policy issuances for most product lines. Issuances for Unum US group disability and Unum US group life and AD&D represents new claim incurrals.
[2]
1Issuances include new policy issuances for most product lines. Issuances for Unum US group disability and Unum US group life and AD&D represents new claim incurrals.
[3]
1Unum US excludes the dental and vision product line and medical stop-loss products, Unum International excludes certain products in our supplemental product line and Closed Block excludes our participating fund account, which represents policies issued by one of our subsidiaries prior to its conversion from a mutual stock life insurance company. The liabilities associated with these products are included within Other products.
[4]
1Issuances for Unum International primarily represents new claim incurrals.
[5]
1Issuances for Closed Block - All Other represents new claim incurrals.
[6]
1Issuances for Closed Block - All Other represents new claim incurrals.
[7]
2Other for Closed Block - All Other primarily includes our closed block group pension products and certain of our ceded closed block individual life products.
[8]
2Other for Closed Block - All Other primarily includes our closed block group pension products and certain of our ceded closed block individual life products.
[9]
1Issuances include new policy issuances for most product lines. For our Unum US group disability, Unum US group life and AD&D and Closed Block - All Other product lines and certain of our Unum International product lines, this line represents new claim incurrals.
[10]
2Other primarily relates to our Closed Block - All Other product line.