Products & Services · Policyholder Account Balance, Net Amount at Risk
Universal Life — Policyholder Account Balance, Net Amount at Risk
Chubb Universal Life — Policyholder Account Balance, Net Amount at Risk decreased by 3.1% to $11.12B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 10.1%, from $12.37B to $11.12B. Over 3 years (FY 2022 to FY 2025), Universal Life — Policyholder Account Balance, Net Amount at Risk shows an upward trend with a 3.3% 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 reportedQ4 2025
How to read this metric
An increase in net amount at risk suggests higher potential mortality exposure for the insurer.
Detailed definition
This represents the difference between the death benefit payable and the current policyholder account balance. It quanti...
Peer comparison
Standard risk exposure metric for universal life and variable life insurance products.
Metric ID:
cb_segment_universal_life_policyholder_account_balance_net_amount_at_riskHistorical Data
17 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $10.75B | $10.26B | $10.04B | $10.12B | $11.47B | $9.93B | $10.41B | $10.49B | $11.83B | $12.01B | $11.99B | $12.65B | $12.37B | $12.08B | $11.57B | $11.47B | $11.12B |
| QoQ Change | — | -4.6% | -2.1% | +0.7% | +13.4% | -13.4% | +4.7% | +0.8% | +12.7% | +1.6% | -0.2% | +5.5% | -2.2% | -2.3% | -4.2% | -0.8% | -3.1% |
| YoY Change | — | — | — | — | +6.7% | -3.2% | +3.6% | +3.7% | +3.1% | +20.9% | +15.2% | +20.5% | +4.6% | +0.5% | -3.5% | -9.3% | -10.1% |
Range$9.93B – $12.65B
CAGR+0.8%
Avg YoY Growth+4.1%
Median YoY Growth+3.6%
Current Streak5 quarters decline
Similar Metrics at Other Companies
Frequently Asked Questions
- What is Chubb's universal life — policyholder account balance, net amount at risk?
- Chubb (CB) reported universal life — policyholder account balance, net amount at risk of $11.12B in Q4 2025.
- How has Chubb's universal life — policyholder account balance, net amount at risk changed year-over-year?
- Chubb's universal life — policyholder account balance, net amount at risk decreased by 10.1% year-over-year, from $12.37B to $11.12B.
- What is the long-term trend for Chubb's universal life — policyholder account balance, net amount at risk?
- Over 3 years (2022 to 2025), Chubb's universal life — policyholder account balance, net amount at risk has grown at a 3.3% compound annual growth rate (CAGR), from $41.89B to $46.24B.
- What does universal life — policyholder account balance, net amount at risk mean?
- The net amount the insurer would have to pay if all insureds died today, above their account balances.