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Cincinnati Financial CINF Whole Life Insurance — Interest accretion rate

Other product segments

Term Life Insurance
5.3%+1.5%

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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 whole life insurance — interest accretion rate?
Cincinnati Financial (CINF) reported whole life insurance — interest accretion rate of 5.9% in Q1 2026.
How has Cincinnati Financial's whole life insurance — interest accretion rate changed year-over-year?
Cincinnati Financial's whole life insurance — interest accretion rate decreased by 0.3% year-over-year, from 5.9% to 5.9%.
What is the long-term trend for Cincinnati Financial's whole life insurance — interest accretion rate?
Over 3 years (2022 to 2025), Cincinnati Financial's whole life insurance — interest accretion rate has grown at a -0.6% compound annual growth rate (CAGR), from 23.9% to 23.4%.
What does whole life insurance — interest accretion rate mean?
This is the effective interest rate used to calculate the accretion of insurance liabilities over time. It reflects the company's internal assumptions regarding the time value of money and the expected yield on assets backing these liabilities. It is a critical actuarial assumption that impacts the reported profitability of the segment.