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Cincinnati Financial CINF Term Life Insurance — Net life policy reserves

Other product segments

Universal life
$590M+0.5%
Deferred Fixed Annuity
$546M-6.2%
Whole Life Insurance
$420M+1.9%
Structured Settlement Annuity
$110M-5.2%
Long-Duration Insurance, Other
$109M+0.9%

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HMNTerm Life — Net liability for future policy benefits
$143.2M+3.5%
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CBSegment Life — Net liability for future policy benefits
$14.76B+10.5%
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CNALife & Group — Net Case Reserves
$506M-1.6%
Globe Life logo
GLLife — Liability for Future Policy Benefit, after Reinsurance
$15.02B+1.2%
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GLLife — Net liability for future policy benefits at original discount rates
$14.2B+4.2%
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KMPRLife and Health — Insurance Reserves
$3.24B+0.3%

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:LiabilityForFuturePolicyBenefits.

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 — net life policy reserves?
Cincinnati Financial (CINF) reported term life insurance — net life policy reserves of $1.09B in Q1 2026.
How has Cincinnati Financial's term life insurance — net life policy reserves changed year-over-year?
Cincinnati Financial's term life insurance — net life policy reserves increased by 2.3% year-over-year, from $1.06B to $1.09B.
What is the long-term trend for Cincinnati Financial's term life insurance — net life policy reserves?
Over 3 years (2022 to 2025), Cincinnati Financial's term life insurance — net life policy reserves has grown at a 3.0% compound annual growth rate (CAGR), from $3.96B to $4.33B.
What does term life insurance — net life policy reserves mean?
Represents the total estimated liability for future life insurance policy benefits, net of reinsurance. This figure reflects the actuarial present value of future obligations to policyholders, adjusted for expected premiums and investment returns. It is a critical measure of the company's long-term solvency and commitment to meeting future claims in the life insurance segment.