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Cincinnati Financial CINF Term Life Insurance — Interest accretion rate

Other product segments

Whole Life Insurance
5.9%-0.3%

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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:LiabilityForFuturePolicyBenefitWeightedAverageInterestAccretionRate.

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 — interest accretion rate?
Cincinnati Financial (CINF) reported term life insurance — interest accretion rate of 5.3% in Q1 2026.
How has Cincinnati Financial's term life insurance — interest accretion rate changed year-over-year?
Cincinnati Financial's term life insurance — interest accretion rate increased by 1.5% year-over-year, from 5.2% to 5.3%.
What is the long-term trend for Cincinnati Financial's term life insurance — interest accretion rate?
Over 3 years (2022 to 2025), Cincinnati Financial's term life insurance — interest accretion rate has grown at a -0.2% compound annual growth rate (CAGR), from 21.1% to 21%.
What does term life insurance — interest accretion rate mean?
This rate represents the effective interest rate used to calculate the accretion of insurance liabilities over a specific period. It reflects the company's internal cost of capital or the yield expectations embedded in the actuarial models for long-term reserves. It is a key driver of the non-cash interest expense recognized in the income statement.