Life Insurance — Net liability for future policy benefits
Chubb Life Insurance — Net liability for future policy benefits decreased by 0.2% to $14.37B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 10.9%, from $12.96B to $14.37B. Over 2 years (FY 2023 to FY 2025), Life Insurance — Net liability for future policy benefits shows an upward trend with a 19.1% CAGR.
Analysis
How to read this metric
An increase suggests a growing book of business or a change in actuarial assumptions requiring higher reserves, while a decrease may indicate a shrinking portfolio or improved mortality experience.
Detailed definition
The estimated present value of future obligations to policyholders, net of expected future premiums. This reflects the l...
Peer comparison
Standard liability metric across life insurance companies, often referred to as 'Policy Reserves' or 'Future Policy Benefits'.
cb_segment_life_insurance_net_liability_for_future_policy_benefitsHistorical Data
| Q4 '21 | 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $6.07B | $8.46B | $8.70B | $8.85B | $10.80B | $11.43B | $11.88B | $11.87B | $12.99B | $12.96B | $13.35B | $14.34B | $14.40B | $14.37B |
| QoQ Change | — | +39.3% | +2.9% | +1.6% | +22.1% | +5.8% | +3.9% | -0.0% | +9.5% | -0.3% | +3.0% | +7.4% | +0.4% | -0.2% |
| YoY Change | — | +39.3% | — | — | — | +35.1% | +36.4% | +34.2% | +20.3% | +13.4% | +12.4% | +20.8% | +10.8% | +10.9% |
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Frequently Asked Questions
- What is Chubb's life insurance — net liability for future policy benefits?
- Chubb (CB) reported life insurance — net liability for future policy benefits of $14.37B in Q4 2025.
- How has Chubb's life insurance — net liability for future policy benefits changed year-over-year?
- Chubb's life insurance — net liability for future policy benefits increased by 10.9% year-over-year, from $12.96B to $14.37B.
- What is the long-term trend for Chubb's life insurance — net liability for future policy benefits?
- Over 2 years (2023 to 2025), Chubb's life insurance — net liability for future policy benefits has grown at a 19.1% compound annual growth rate (CAGR), from $39.78B to $56.46B.
- What does life insurance — net liability for future policy benefits mean?
- The total estimated amount the company expects to pay out for future life insurance claims, adjusted for expected future premium income.