Discontinued — last reported Q4 '25
Life and Health Loss Reserves — Gross losses
Cincinnati Financial Life and Health Loss Reserves — Gross losses decreased by 13.6% to $57.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 13.6%, from $66.00M to $57.00M. Over 2 years (FY 2021 to FY 2023), Life and Health Loss Reserves — Gross losses shows relatively stable performance with a 0.7% CAGR.
Analysis
How to read this metric
An increase in gross loss reserves may indicate higher expected claim costs, business growth, or a more conservative actuarial outlook, while a decrease could suggest lower expected liabilities or changes in the underlying risk profile.
Detailed definition
This metric represents the total estimated liability for unpaid claims and future policy benefits within the life and he...
Peer comparison
Peers in the life and health insurance sector report similar reserves, though the magnitude varies significantly based on the product mix, policy duration, and the specific actuarial methodologies used to estimate long-term liabilities.
cinf_segment_life_and_health_loss_reserves_gross_lossesHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $64.00M | $66.00M | $76.00M | $79.00M | $66.00M | $68.00M | $64.00M | $67.00M | $66.00M | $72.00M | $75.00M | $66.00M | $57.00M |
| QoQ Change | — | +3.1% | +15.2% | +3.9% | -16.5% | +3.0% | -5.9% | +4.7% | -1.5% | +9.1% | +4.2% | -12.0% | -13.6% |
| YoY Change | — | — | — | — | +3.1% | +3.0% | -15.8% | -15.2% | +0.0% | +5.9% | +17.2% | -12.0% | -13.6% |
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Frequently Asked Questions
- What is Cincinnati Financial's life and health loss reserves — gross losses?
- Cincinnati Financial (CINF) reported life and health loss reserves — gross losses of $57.00M in Q4 2025.
- How has Cincinnati Financial's life and health loss reserves — gross losses changed year-over-year?
- Cincinnati Financial's life and health loss reserves — gross losses decreased by 13.6% year-over-year, from $66.00M to $57.00M.
- What is the long-term trend for Cincinnati Financial's life and health loss reserves — gross losses?
- Over 2 years (2021 to 2023), Cincinnati Financial's life and health loss reserves — gross losses has grown at a 0.7% compound annual growth rate (CAGR), from $276.00M to $280.00M.
- What does life and health loss reserves — gross losses mean?
- The total estimated amount of money the company expects to pay out for life and health insurance claims before considering any reinsurance support.