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Cincinnati Financial CINF Life Insurance Segment — Insurance losses and contract holders' benefits

Other segment segments

Commercial Insurance
$847M+15.2%
Personal Insurance
$607M-28.3%
Excess and Surplus Lines Insurance
$110M+11.1%

Similar metrics at other companies

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SNFCALife Insurance — Segment Net Income Loss
$5.94M-4.6%
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CBSegment Life — Segment Underwriting Income Loss and Net Investment Income Loss
$316M+8.6%
Corebridge Financial logo
CRBGLife Insurance — Benefits
$736.5M-2.1%
Kemper logo
KMPRLife Insurance — Benefits, Losses and Expenses
$131.8M+0.2%
BH
BHInsurance Segment — Insurance losses
$9.96M-17.1%
Primerica logo
PRITerm Life Insurance Segment Revenues — Benefits Losses And Expenses
$309.77M-0.4%

Other financials

Income statement

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Revenue$2.9B+11.6%
Net income$274.0M+404%
EPS (diluted)$1.75+407%

Balance sheet

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Cash & equivalents$1.2B+19.8%
Total debt$791.0M+0.1%
Total equity$15.7B+14.6%
Total assets$41.2B+10.6%

Cash flow

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Operating cash flow$656.0M+112%
CapEx$2.0M-33.3%
Free cash flow$654.0M+113%

Valuation

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Market cap$28.64B+30.4%
Enterprise value$28.22B+29.7%
P/E10.4×-1.7×
P/S2.2×+0.3×

Profitability

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Net margin21.3%+8.1pp
FCF margin26.6%+3.0pp

Returns & leverage

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Return on equity18.7%+7.8pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Cincinnati Financial in its filing.

Tagged under the XBRL concept us-gaap:PolicyholderBenefitsAndClaimsIncurredNet.

The official record: Cincinnati Financial’s 10-Q, filed April 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Cincinnati Financial's life insurance segment — insurance losses and contract holders' benefits?
Cincinnati Financial (CINF) reported life insurance segment — insurance losses and contract holders' benefits of $84M in Q1 2026.
How has Cincinnati Financial's life insurance segment — insurance losses and contract holders' benefits changed year-over-year?
Cincinnati Financial's life insurance segment — insurance losses and contract holders' benefits increased by 3.7% year-over-year, from $81M to $84M.
What is the long-term trend for Cincinnati Financial's life insurance segment — insurance losses and contract holders' benefits?
Over 4 years (2021 to 2025), Cincinnati Financial's life insurance segment — insurance losses and contract holders' benefits has grown at a -0.6% compound annual growth rate (CAGR), from $313M to $305M.
What does life insurance segment — insurance losses and contract holders' benefits mean?
This represents the net cost of insurance claims and policyholder benefits incurred by the segment after accounting for reinsurance recoveries. It is the primary measure of the segment's underwriting cost and is a critical component in determining the segment's overall profitability. This metric reflects the company's actual net retention of insurance risk.