Products & Services · Weighted average crediting rate
Universal life — Weighted average crediting rate
Cincinnati Financial Universal life — Weighted average crediting rate remained flat by 0.0% to 4.4% in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 0.5%, from 4.4% to 4.4%. Over 3 years (FY 2022 to FY 2025), Universal life — Weighted average crediting rate shows relatively stable performance with a 1.3% CAGR.
Analysis
StatementSegment
CategoryProfitability
SignalContext dependent
VolatilityStable
First reportedQ4 2021
Last reportedQ1 2026
Rolls up toPolicyholder account balances
How to read this metric
A competitive rate helps growth, but if it exceeds the investment yield, it compresses the interest margin.
Detailed definition
This represents the average interest rate applied to the account balances of universal life policies, weighted by the si...
Peer comparison
Standard 'Crediting Rate' or 'Portfolio Yield' metric used in life insurance and annuity analysis.
Metric ID:
cinf_segment_universal_life_weighted_average_crediting_rateHistorical Data
18 periods
| Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | 4.3% | 4.3% | 4.3% | 4.2% | 4.3% | 4.3% | 4.3% | 4.3% | 4.3% | 4.3% | 4.3% | 4.4% | 4.4% | 4.4% | 4.4% | 4.4% | 4.4% | 4.4% |
| QoQ Change | — | +0.0% | +0.0% | -0.2% | +0.7% | -0.2% | +0.7% | +0.0% | +0.2% | +0.7% | +0.0% | +0.7% | +0.7% | +0.2% | +0.7% | +0.0% | -0.2% | +0.0% |
| YoY Change | — | — | — | — | +0.5% | +0.2% | +0.9% | +1.2% | +0.7% | +1.6% | +0.9% | +1.6% | +2.1% | +1.6% | +2.3% | +1.6% | +0.7% | +0.5% |
Range4.2% – 4.4%
CAGR+0.9%
Avg YoY Growth+1.2%
Median YoY Growth+1.1%
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Frequently Asked Questions
- What is Cincinnati Financial's universal life — weighted average crediting rate?
- Cincinnati Financial (CINF) reported universal life — weighted average crediting rate of 4.4% in Q1 2026.
- How has Cincinnati Financial's universal life — weighted average crediting rate changed year-over-year?
- Cincinnati Financial's universal life — weighted average crediting rate increased by 0.5% year-over-year, from 4.4% to 4.4%.
- What is the long-term trend for Cincinnati Financial's universal life — weighted average crediting rate?
- Over 3 years (2022 to 2025), Cincinnati Financial's universal life — weighted average crediting rate has grown at a 1.3% compound annual growth rate (CAGR), from 17.0% to 17.7%.
- What does universal life — weighted average crediting rate mean?
- The average interest rate the company pays on universal life insurance account balances.