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Cincinnati Financial CINF Term Life Insurance — Current discount rate

Other product segments

Whole Life Insurance
5.8%+2.6%

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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:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.

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 term life insurance — current discount rate?
Cincinnati Financial (CINF) reported term life insurance — current discount rate of 5.1% in Q1 2026.
How has Cincinnati Financial's term life insurance — current discount rate changed year-over-year?
Cincinnati Financial's term life insurance — current discount rate increased by 3.0% year-over-year, from 5% to 5.1%.
What is the long-term trend for Cincinnati Financial's term life insurance — current discount rate?
Over 3 years (2022 to 2025), Cincinnati Financial's term life insurance — current discount rate has grown at a 2.8% compound annual growth rate (CAGR), from 18% to 19.6%.
What does term life insurance — current discount rate mean?
The current discount rate is the interest rate used to determine the present value of future insurance cash flows, such as premiums and benefit payments. It is highly sensitive to prevailing market interest rates and the duration of the insurance liabilities. This rate is fundamental to the valuation of the company's insurance assets and liabilities.