Universal Life — Policyholder Account Balance, Policy Charge
Chubb Universal Life — Policyholder Account Balance, Policy Charge decreased by 4.0% to $24.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 36.8%, from $38.00M to $24.00M. Over 4 years (FY 2021 to FY 2025), Universal Life — Policyholder Account Balance, Policy Charge shows a downward trend with a -6.6% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
How to read this metric
Increasing charges relative to the account balance may indicate higher profitability per policy or adjustments in cost structures.
Detailed definition
This represents the fees and charges deducted from policyholder account balances to cover administrative costs, mortalit...
Peer comparison
Comparable to cost of insurance (COI) charges or administrative fee income at peer life insurers.
cb_segment_universal_life_policyholder_account_balance_policy_chargeHistorical Data
| Q2 '21 | Q3 '21 | 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 | $34.50M | $34.50M | $34.50M | $46.00M | $46.00M | $49.00M | $0.00 | $45.00M | $44.00M | $46.00M | $0.00 | $34.00M | $31.00M | $33.00M | $38.00M | $29.00M | $27.00M | $25.00M | $24.00M |
| QoQ Change | — | +0.0% | +0.0% | +33.3% | +0.0% | +6.5% | -100.0% | — | -2.2% | +4.5% | -100.0% | — | -8.8% | +6.5% | +15.2% | -23.7% | -6.9% | -7.4% | -4.0% |
| YoY Change | — | — | — | — | +33.3% | +42.0% | -100.0% | -2.2% | -4.3% | -6.1% | — | -24.4% | -29.5% | -28.3% | — | -14.7% | -12.9% | -24.2% | -36.8% |
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Frequently Asked Questions
- What is Chubb's universal life — policyholder account balance, policy charge?
- Chubb (CB) reported universal life — policyholder account balance, policy charge of $24.00M in Q4 2025.
- How has Chubb's universal life — policyholder account balance, policy charge changed year-over-year?
- Chubb's universal life — policyholder account balance, policy charge decreased by 36.8% year-over-year, from $38.00M to $24.00M.
- What is the long-term trend for Chubb's universal life — policyholder account balance, policy charge?
- Over 4 years (2021 to 2025), Chubb's universal life — policyholder account balance, policy charge has grown at a -6.6% compound annual growth rate (CAGR), from $138.00M to $105.00M.
- What does universal life — policyholder account balance, policy charge mean?
- The total fees deducted from universal life accounts to cover insurance and administrative costs.