Products & Services · Current discount rate
Whole Life Insurance — Current discount rate
Cincinnati Financial Whole Life Insurance — Current discount rate increased by 3.4% to 5.8% in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 2.6%, from 5.7% to 5.8%. Over 3 years (FY 2022 to FY 2025), Whole Life Insurance — Current discount rate shows an upward trend with a 5.1% CAGR.
Analysis
StatementSegment
CategoryRisk
SignalContext dependent
VolatilityVolatile
First reportedQ1 2022
Last reportedQ1 2026
How to read this metric
A higher discount rate reduces the present value of liabilities, potentially improving reported equity, while a lower rate increases liabilities.
Detailed definition
This represents the current market-based or company-determined interest rate used to discount future cash flows to their...
Peer comparison
Highly comparable across the industry as it is driven by market yield curves.
Metric ID:
cinf_segment_whole_life_insurance_current_discount_rateHistorical Data
17 periods
| 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 | 3.8% | 4.7% | 5.5% | 5.4% | 5.1% | 5.2% | 6% | 5.1% | 5.4% | 5.7% | 5.1% | 5.8% | 5.7% | 5.7% | 5.5% | 5.6% | 5.8% |
| QoQ Change | — | +25.7% | +16.2% | -2.9% | -5.4% | +3.2% | +14.0% | -14.3% | +5.9% | +5.0% | -9.3% | +11.9% | -1.4% | +0.2% | -3.0% | +2.2% | +3.4% |
| YoY Change | — | — | — | — | +34.2% | +10.1% | +8.0% | -4.7% | +6.7% | +8.6% | -13.6% | +12.7% | +5.0% | +0.2% | +7.2% | -2.1% | +2.6% |
Range3.8% – 6%
CAGR+11.5%
Avg YoY Growth+5.8%
Median YoY Growth+6.7%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is Cincinnati Financial's whole life insurance — current discount rate?
- Cincinnati Financial (CINF) reported whole life insurance — current discount rate of 5.8% in Q1 2026.
- How has Cincinnati Financial's whole life insurance — current discount rate changed year-over-year?
- Cincinnati Financial's whole life insurance — current discount rate increased by 2.6% year-over-year, from 5.7% to 5.8%.
- What is the long-term trend for Cincinnati Financial's whole life insurance — current discount rate?
- Over 3 years (2022 to 2025), Cincinnati Financial's whole life insurance — current discount rate has grown at a 5.1% compound annual growth rate (CAGR), from 19.4% to 22.5%.
- What does whole life insurance — current discount rate mean?
- The interest rate used to convert future insurance payments into today's dollar value.