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v3.25.4

Selected Operating Statement Data by Segment (Detail) - USD ($) $ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Segment Reporting Information |  |  |  |  |  |  |
Premium Income |  | $ 10,831.0 |  | $ 10,497.4 |  | $ 10,046.0 |
Net Investment Income |  | 2,032.7 |  | 2,130.0 |  | 2,096.7 |
Other Income |  | 318.4 |  | 294.5 |  | 279.2 |
Commissions |  | 1,355.3 |  | 1,258.6 |  | 1,170.1 |
Interest and Debt Expense |  | 208.8 |  | 201.1 |  | 194.8 |
Deferral of Acquisition Costs |  | (697.1) |  | (651.5) |  | (632.2) |
Amortization of Deferred Acquisition Costs |  | 527.1 |  | 521.0 |  | 481.4 |
Unum US |  |  |  |  |  |  |
Segment Reporting Information |  |  |  |  |  |  |
Amortization of Deferred Acquisition Costs |  | 283.3 |  | 292.5 |  | 267.6 |
Unum International |  |  |  |  |  |  |
Segment Reporting Information |  |  |  |  |  |  |
Amortization of Deferred Acquisition Costs |  | 10.7 |  | 9.5 |  | 8.4 |
Colonial Life |  |  |  |  |  |  |
Segment Reporting Information |  |  |  |  |  |  |
Amortization of Deferred Acquisition Costs |  | 233.1 |  | 219.0 |  | 205.4 |
Operating Segments |  |  |  |  |  |  |
Segment Reporting Information |  |  |  |  |  |  |
Premium Income |  | 10,831.0 |  | 10,497.4 |  | 10,046.0 |
Net Investment Income |  | 2,032.7 |  | 2,130.0 |  | 2,096.7 |
Adjusted Other Income | [1] | 309.4 |  |  |  |  |
Other Income |  |  |  | 294.5 |  | 279.2 |
Adjusted Operating Revenue |  | 13,173.1 |  | 12,921.9 |  | 12,421.9 |
Adjusted Policy Benefits | [2] | 7,596.6 |  | 7,455.1 |  | 7,277.1 |
Adjusted Policy Benefits - Remeasurement Loss (Gain) |  | (39.4) | [3] | (204.9) | [4] | (232.0) | [5]
Commissions |  | 1,355.3 |  | 1,258.6 |  | 1,170.1 |
Interest and Debt Expense |  | 208.8 |  | 201.1 |  | 194.8 |
Deferral of Acquisition Costs |  | (697.1) |  | (651.5) |  | (632.2) |
Amortization of Deferred Acquisition Costs |  | 527.1 |  | 521.0 |  | 481.4 |
Other Segment Items |  | 2,442.1 | [6] | 2,332.2 | [7] | 2,230.5 | [8]
Adjusted Benefits and Expenses |  | 11,393.4 |  | 10,911.6 |  | 10,489.7 |
Adjusted Operating Income (Loss) |  | 1,779.7 |  | 2,010.3 |  | 1,932.2 |
Operating Segments | Unum US |  |  |  |  |  |  |
Segment Reporting Information |  |  |  |  |  |  |
Premium Income |  | 7,083.5 |  | 6,883.2 |  | 6,579.2 |
Net Investment Income |  | 604.2 |  | 632.2 |  | 639.9 |
Adjusted Other Income | [1] | 249.8 |  |  |  |  |
Other Income |  |  |  | 235.9 |  | 220.5 |
Adjusted Operating Revenue |  | 7,937.5 |  | 7,751.3 |  | 7,439.6 |
Adjusted Policy Benefits |  | 4,353.3 | [2] | 4,246.5 |  | 4,221.2 |
Adjusted Policy Benefits - Remeasurement Loss (Gain) |  | (86.2) | [3] | (238.2) | [4] | (283.9) | [5]
Commissions |  | 794.9 |  | 729.3 |  | 664.4 |
Interest and Debt Expense |  | 0.0 |  | 0.0 |  | 0.0 |
Deferral of Acquisition Costs |  | (331.7) |  | (320.9) |  | (314.7) |
Amortization of Deferred Acquisition Costs |  | 283.3 |  | 292.5 |  | 267.6 |
Other Segment Items |  | 1,652.0 | [6] | 1,602.9 | [7] | 1,529.5 | [8]
Depreciation and Intangible Amortization |  | 86.7 |  | 85.0 |  | 76.3 |
Adjusted Benefits and Expenses |  | 6,665.6 |  | 6,312.1 |  | 6,084.1 |
Adjusted Operating Income (Loss) |  | 1,271.9 |  | 1,439.2 |  | 1,355.5 |
Operating Segments | Unum International |  |  |  |  |  |  |
Segment Reporting Information |  |  |  |  |  |  |
Premium Income |  | 1,082.8 |  | 949.5 |  | 825.2 |
Net Investment Income |  | 145.6 |  | 128.8 |  | 137.2 |
Adjusted Other Income |  | 7.7 |  |  |  |  |
Other Income |  |  |  | 1.6 |  | 1.6 |
Adjusted Operating Revenue |  | 1,236.1 |  | 1,079.9 |  | 964.0 |
Adjusted Policy Benefits |  | 793.0 |  | 693.6 |  | 581.4 |
Adjusted Policy Benefits - Remeasurement Loss (Gain) |  | (20.2) | [3] | (44.4) | [4] | (19.5) | [5]
Commissions |  | 95.7 |  | 82.5 |  | 72.5 |
Interest and Debt Expense |  | 0.0 |  | 0.0 |  | 0.0 |
Deferral of Acquisition Costs |  | (22.0) |  | (17.8) |  | (14.6) |
Amortization of Deferred Acquisition Costs |  | 10.7 |  | 9.5 |  | 8.4 |
Other Segment Items |  | 226.6 | [6] | 198.7 | [7] | 177.7 | [8]
Depreciation and Intangible Amortization |  | 20.7 |  | 17.9 |  | 14.6 |
Adjusted Benefits and Expenses |  | 1,083.8 |  | 922.1 |  | 805.9 |
Adjusted Operating Income (Loss) |  | 152.3 |  | 157.8 |  | 158.1 |
Operating Segments | Colonial Life |  |  |  |  |  |  |
Segment Reporting Information |  |  |  |  |  |  |
Premium Income |  | 1,839.1 |  | 1,783.9 |  | 1,726.1 |
Net Investment Income |  | 172.6 |  | 161.5 |  | 153.5 |
Adjusted Other Income |  | 1.6 |  |  |  |  |
Other Income |  |  |  | 4.0 |  | 1.2 |
Adjusted Operating Revenue |  | 2,013.3 |  | 1,949.4 |  | 1,880.8 |
Adjusted Policy Benefits |  | 908.1 |  | 885.4 |  | 877.1 |
Adjusted Policy Benefits - Remeasurement Loss (Gain) |  | (23.0) | [3] | (34.7) | [4] | 1.7 | [5]
Commissions |  | 398.6 |  | 378.4 |  | 359.4 |
Interest and Debt Expense |  | 0.0 |  | 0.0 |  | 0.0 |
Deferral of Acquisition Costs |  | (343.4) |  | (312.8) |  | (302.9) |
Amortization of Deferred Acquisition Costs |  | 233.1 |  | 219.0 |  | 205.4 |
Other Segment Items |  | 376.3 | [6] | 347.4 | [7] | 340.0 | [8]
Depreciation and Intangible Amortization |  | 16.9 |  | 15.1 |  | 13.6 |
Adjusted Benefits and Expenses |  | 1,549.7 |  | 1,482.7 |  | 1,480.7 |
Adjusted Operating Income (Loss) |  | 463.6 |  | 466.7 |  | 400.1 |
Operating Segments | Closed Block |  |  |  |  |  |  |
Segment Reporting Information |  |  |  |  |  |  |
Premium Income |  | 825.6 |  | 880.8 |  | 915.5 |
Net Investment Income |  | 1,016.5 |  | 1,148.9 |  | 1,066.3 |
Adjusted Other Income |  | 49.9 |  |  |  |  |
Other Income |  |  |  | 51.7 |  | 52.6 |
Adjusted Operating Revenue |  | 1,892.0 |  | 2,081.4 |  | 2,034.4 |
Adjusted Policy Benefits |  | 1,542.2 | [2] | 1,629.6 | [9] | 1,597.4 | [9]
Adjusted Policy Benefits - Remeasurement Loss (Gain) |  | 90.0 | [3] | 112.4 | [4] | 69.7 | [5]
Commissions |  | 66.1 |  | 68.4 |  | 73.8 |
Interest and Debt Expense |  | 0.0 |  | 0.0 |  | 0.0 |
Deferral of Acquisition Costs |  | 0.0 |  | 0.0 |  | 0.0 |
Amortization of Deferred Acquisition Costs |  | 0.0 |  | 0.0 |  | 0.0 |
Other Segment Items |  | 130.2 | [6] | 133.2 | [7] | 128.6 | [8]
Depreciation and Intangible Amortization |  | 6.0 |  | 5.4 |  | 5.2 |
Adjusted Benefits and Expenses |  | 1,828.5 |  | 1,943.6 |  | 1,869.5 |
Adjusted Operating Income (Loss) |  | 63.5 |  | 137.8 |  | 164.9 |
Operating Segments | Corporate and Other Segment |  |  |  |  |  |  |
Segment Reporting Information |  |  |  |  |  |  |
Premium Income |  | 0.0 |  | 0.0 |  | 0.0 |
Net Investment Income |  | 93.8 |  | 58.6 |  | 99.8 |
Adjusted Other Income |  | 0.4 |  |  |  |  |
Other Income |  |  |  | 1.3 |  | 3.3 |
Adjusted Operating Revenue |  | 94.2 |  | 59.9 |  | 103.1 |
Adjusted Policy Benefits |  | 0.0 |  | 0.0 |  | 0.0 |
Adjusted Policy Benefits - Remeasurement Loss (Gain) |  | 0.0 |  | 0.0 |  | 0.0 |
Commissions |  | 0.0 |  | 0.0 |  | 0.0 |
Interest and Debt Expense |  | 208.8 |  | 201.1 |  | 194.8 |
Deferral of Acquisition Costs |  | 0.0 |  | 0.0 |  | 0.0 |
Amortization of Deferred Acquisition Costs |  | 0.0 |  | 0.0 |  | 0.0 |
Other Segment Items |  | 57.0 | [6] | 50.0 | [7] | 54.7 | [8]
Depreciation and Intangible Amortization |  | 0.5 |  | 0.1 |  | 0.6 |
Adjusted Benefits and Expenses |  | 265.8 |  | 251.1 |  | 249.5 |
Adjusted Operating Income (Loss) |  | $ (171.6) |  | $ (191.2) |  | $ (146.4) |
[1] | 1 Excludes the amortization of the deferred gain on reinsurance in the Unum US segment.
[2] | 2 Excludes the impact of non-contemporaneous reinsurance in the Unum US segment and the Closed Block segment.
[3] | 3 Excludes the reserve assumption updates that occurred in the third quarter of 2025 for all segments except Corporate.
[4] | 2 Excludes the reserve assumption updates that occurred in the third quarter of 2024 for all segments except Corporate.
[5] | 2 Excludes the reserve assumption updates that occurred in the third quarter of 2023 for all segments except Corporate.
[6] | 4 Excludes the amortization of the cost of reinsurance in the Closed Block segment, as well as the accelerated charitable contribution and the settlement loss on the U.S. pension plan annuity purchase in the Corporate segment. For each reportable segment, other segment items includes compensation, other personnel expenses, taxes, licenses and fees, depreciation, intangible asset amortization and other expenses. Depreciation and intangible asset amortization during 2025 was $86.7 million, $20.7 million, $16.9 million, $6.0 million, and $0.5 million for our Unum US, Unum International, Colonial Life, Closed Block and Corporate segments, respectively.
[7] | 3 Excludes the amortization of the cost of reinsurance in the Closed Block segment and the loss on legal settlement in the Corporate segment. For each reportable segment, other segment items includes compensation, other personnel expenses, taxes, licenses and fees, depreciation, intangible asset amortization and other expenses. Depreciation and intangible asset amortization during 2024 was $85.0 million, $17.9 million, $15.1 million, $5.4 million and $0.1 million for our Unum US, Unum International, Colonial Life, Closed Block and Corporate segments, respectively.
[8] | 3 Excludes the amortization of the cost of reinsurance in the Closed Block segment. For each reportable segment, other segment items includes compensation, other personnel expenses, taxes, licenses and fees, depreciation, intangible asset amortization and other expenses. Depreciation and intangible asset amortization during 2023 was $76.3 million, $14.6 million, $13.6 million, $5.2 million, and $0.6 million for our Unum US, Unum International, Colonial Life, Closed Block and Corporate segments, respectively.
[9] | 1 Excludes the impact of non-contemporaneous reinsurance in the Closed Block segment.

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