Cincinnati Financial CINF Universal Life — Life policy and investment contract reserves

Similar metrics at other companies

CRBGLife Insurance — Liability for universal life policies

$4.19B+2.3%

CRBGUniversal Life — Future policy benefits for life and accident and health insurance contracts

$4.24B+2.3%

CRBGCorporate & Other — Liability for universal life policies

$54M0.0%

CRBGGroup Retirement — Liability for universal life policies

$0—

LNCUL and Other — Liability for Future Policy Benefit, after Reinsurance

$12.73B+11.8%

CBUniversal Life — Policyholder Account Balance, excluding Unearned Revenue Liability

$1.83B+1.0%

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:LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense.

The official record: Cincinnati Financial’s 10-K, filed February 23, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Cincinnati Financial's universal life — life policy and investment contract reserves?: Cincinnati Financial (CINF) reported universal life — life policy and investment contract reserves of $589M in Q4 2025.
What does universal life — life policy and investment contract reserves mean?: This represents the total estimated liability for future policy benefits and investment contracts within the Universal Life segment. It reflects the actuarial present value of future obligations to policyholders, adjusted for expected premiums and investment returns. This reserve is critical for assessing the long-term solvency and capital adequacy of the life insurance product line.