Unum Group
For the period ended Dec 31, 2025. Filed Feb 17, 2026.
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FY2025 · Filed Feb 17, 2026
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Supplementary Insurance Information
SCHEDULE III--SUPPLEMENTARY INSURANCE INFORMATION
| Segment | Deferred Acquisition Costs | Future Policy Benefits | Policyholders' Account Balances | Unearned Premiums |
|---|---|---|---|---|
| (in millions of dollars) | ||||
| Unum US | $1,208.7 | $8,493.4 | $665.7 | $48.7 |
| Unum International | 72.1 | 2,404.3 | — | 201.5 |
| Colonial Life | 1,639.5 | 2,032.0 | 858.9 | 46.9 |
| Closed Block | — | 25,087.3 | 4,111.8 | 115.7 |
| Total | $2,920.3 | $38,017.0 | $5,636.4 | $412.8 |
| Unum US | $1,260.6 | $8,669.7 | $675.7 | $51.7 |
| Unum International | 53.0 | 2,163.0 | — | 165.5 |
| Colonial Life | 1,529.2 | 1,904.2 | 862.5 | 45.4 |
| Closed Block | — | 24,069.5 | 4,095.5 | 121.4 |
| Total | $2,842.8 | $36,806.4 | $5,633.7 | $384.0 |
SCHEDULE III--SUPPLEMENTARY INSURANCE INFORMATION (Continued)
| Segment | Premium Income | Net Investment Income1 | Policy Benefits Including Remeasurement Loss or Gain2 | Amortization of Deferred Acquisition Costs | All Other Expenses3 | Premiums Written4 |
|---|---|---|---|---|---|---|
| (in millions of dollars) | ||||||
| Unum US | $7,083.5 | $604.2 | $4,120.4 | $283.3 | $2,115.2 | $4,947.5 |
| Unum International | 1,082.8 | 145.6 | 767.4 | 10.7 | 300.3 | 613.6 |
| Colonial Life | 1,839.1 | 172.6 | 876.2 | 233.1 | 431.5 | 1,278.1 |
| Closed Block | 825.6 | 1,016.5 | 2,301.3 | — | 313.0 | 818.8 |
| Corporate | — | 93.8 | — | — | 389.6 | — |
| Total | $10,831.0 | $2,032.7 | $8,065.3 | $527.1 | $3,549.6 | |
| Unum US | $6,883.2 | $632.2 | $3,864.7 | $292.5 | $2,011.3 | $4,834.0 |
| Unum International | 949.5 | 128.8 | 656.7 | 9.5 | 263.4 | 581.6 |
| Colonial Life | 1,783.9 | 161.5 | 804.7 | 219.0 | 413.0 | 1,247.4 |
| Closed Block | 880.8 | 1,148.9 | 1,591.8 | — | 243.0 | 868.1 |
| Corporate | — | 58.6 | — | — | 266.4 | — |
| Total | $10,497.4 | $2,130.0 | $6,917.9 | $521.0 | $3,197.1 | |
| Unum US | $6,579.2 | $639.9 | $3,808.5 | $267.6 | $1,879.2 | $4,634.3 |
| Unum International | 825.2 | 137.2 | 579.8 | 8.4 | 235.6 | 544.4 |
| Colonial Life | 1,726.1 | 153.5 | 798.1 | 205.4 | 396.5 | 1,221.8 |
| Closed Block | 915.5 | 1,066.3 | 2,070.7 | — | 246.5 | 904.2 |
| Corporate | — | 99.8 | — | — | 249.5 | — |
| Total | $10,046.0 | $2,096.7 | $7,257.1 | $481.4 | $3,007.3 | |
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.
SCHEDULE III--SUPPLEMENTARY INSURANCE INFORMATION (Continued)
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.
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