What is Cincinnati Financial's universal life — net amount at risk?

Cincinnati Financial (CINF) reported universal life — net amount at risk of $3.64B in Q1 2026.

How has Cincinnati Financial's universal life — net amount at risk changed year-over-year?

Cincinnati Financial's universal life — net amount at risk decreased by 4.2% year-over-year, from $3.80B to $3.64B.

What is the long-term trend for Cincinnati Financial's universal life — net amount at risk?

Over 3 years (2022 to 2025), Cincinnati Financial's universal life — net amount at risk has grown at a -3.2% compound annual growth rate (CAGR), from $16.50B to $14.95B.

What does universal life — net amount at risk mean?

The portion of the death benefit that the company is responsible for paying beyond the policyholder's own account balance.

Products & Services · Net amount at risk

Universal life — Net amount at risk

Cincinnati Financial Universal life — Net amount at risk decreased by 1.1% to $3.64B in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 4.2%, from $3.80B to $3.64B. Over 3 years (FY 2022 to FY 2025), Universal life — Net amount at risk shows relatively stable performance with a -3.2% CAGR. This is a positive signal — lower values indicate better performance for this metric.

Analysis

StatementSegment

CategoryRisk

SignalLower is better

VolatilityModerate

First reportedQ4 2021

Last reportedQ1 2026

Rolls up toNet amount at risk

How to read this metric

An increase in net amount at risk indicates higher potential liability for the insurer, requiring more capital to support the risk.

Detailed definition

This represents the difference between the total death benefit payable and the current account value of the universal li...

Peer comparison

Standard 'Net Amount at Risk' (NAR) metric used by life insurance companies to quantify mortality risk.

Metric ID: cinf_segment_universal_life_net_amount_at_risk

Historical Data

18 periods

	Q4 '21	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	$4.20B	$4.17B	$4.14B	$4.11B	$4.08B	$4.06B	$4.03B	$3.99B	$3.95B	$3.91B	$3.89B	$3.87B	$3.83B	$3.80B	$3.75B	$3.72B	$3.68B	$3.64B
QoQ Change	—	-0.6%	-0.7%	-0.8%	-0.6%	-0.4%	-0.8%	-1.0%	-1.0%	-1.0%	-0.4%	-0.7%	-0.8%	-0.8%	-1.4%	-0.7%	-1.0%	-1.1%
YoY Change	—	—	—	—	-2.8%	-2.6%	-2.7%	-2.9%	-3.3%	-3.8%	-3.4%	-3.1%	-2.9%	-2.7%	-3.8%	-3.8%	-3.9%	-4.2%

Range$3.64B – $4.20B

CAGR-3.3%

Avg YoY Growth-3.3%

Median YoY Growth-3.2%

Current Streak17+ quarters decline

Similar Metrics at Other Companies

Ameriprise FinancialAMP View metric

Prudential FinancialPRU View metric

The Hartford Financial Services GroupHIG View metric

MetLifeMET View metric

ChubbCB View metric

Frequently Asked Questions

What is Cincinnati Financial's universal life — net amount at risk?: Cincinnati Financial (CINF) reported universal life — net amount at risk of $3.64B in Q1 2026.
How has Cincinnati Financial's universal life — net amount at risk changed year-over-year?: Cincinnati Financial's universal life — net amount at risk decreased by 4.2% year-over-year, from $3.80B to $3.64B.
What is the long-term trend for Cincinnati Financial's universal life — net amount at risk?: Over 3 years (2022 to 2025), Cincinnati Financial's universal life — net amount at risk has grown at a -3.2% compound annual growth rate (CAGR), from $16.50B to $14.95B.
What does universal life — net amount at risk mean?: The portion of the death benefit that the company is responsible for paying beyond the policyholder's own account balance.