Products & Services · Current discount rate
Term Life Insurance — Current discount rate
Cincinnati Financial Term Life Insurance — Current discount rate increased by 4.1% to 5.1% in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 3.0%, from 5.0% to 5.1%. Over 3 years (FY 2022 to FY 2025), Term Life Insurance — Current discount rate shows relatively stable performance with a 2.8% CAGR.
Analysis
StatementSegment
CategoryRisk
SignalContext dependent
VolatilityVolatile
First reportedQ1 2022
Last reportedQ1 2026
How to read this metric
A higher discount rate reduces the present value of future liabilities, potentially improving reported equity.
Detailed definition
The current discount rate is the interest rate used to determine the present value of future insurance cash flows, such...
Peer comparison
Highly dependent on the macroeconomic environment and peer-specific actuarial assumptions.
Metric ID:
cinf_segment_term_life_insurance_current_discount_rateHistorical Data
17 periods
| Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | 3.4% | 4.2% | 5.2% | 5.2% | 4.8% | 5.1% | 5.7% | 4.8% | 5.1% | 5.2% | 4.5% | 5.2% | 5% | 4.9% | 4.8% | 4.9% | 5.1% |
| QoQ Change | — | +23.5% | +23.3% | +1.2% | -8.2% | +6.2% | +12.1% | -16.1% | +5.8% | +2.9% | -13.5% | +14.1% | -4.1% | -0.6% | -3.0% | +2.7% | +4.1% |
| YoY Change | — | — | — | — | +41.5% | +21.7% | +10.6% | -8.2% | +5.8% | +2.5% | -20.9% | +7.5% | -2.6% | -5.9% | +5.5% | -5.0% | +3.0% |
Range3.4% – 5.7%
CAGR+10.7%
Avg YoY Growth+4.3%
Median YoY Growth+3.0%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is Cincinnati Financial's term life insurance — current discount rate?
- Cincinnati Financial (CINF) reported term life insurance — current discount rate of 5.1% in Q1 2026.
- How has Cincinnati Financial's term life insurance — current discount rate changed year-over-year?
- Cincinnati Financial's term life insurance — current discount rate increased by 3.0% year-over-year, from 5.0% to 5.1%.
- What is the long-term trend for Cincinnati Financial's term life insurance — current discount rate?
- Over 3 years (2022 to 2025), Cincinnati Financial's term life insurance — current discount rate has grown at a 2.8% compound annual growth rate (CAGR), from 18.0% to 19.6%.
- What does term life insurance — current discount rate mean?
- The interest rate used to calculate the present value of future insurance payments and receipts.