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Cincinnati Financial CINF Whole Life Insurance — Net life policy reserves

Other product segments

Term Life Insurance
$1.09B+2.3%
Universal life
$590M+0.5%
Deferred Fixed Annuity
$546M-6.2%
Structured Settlement Annuity
$110M-5.2%
Long-Duration Insurance, Other
$109M+0.9%

Similar metrics at other companies

Horace Mann Educators logo
HMNWhole Life — Net liability for future policy benefits
$274.4M-1.9%
Kemper logo
KMPRLife Insurance — Insurance Reserves
$3.29B+2.7%
Kemper logo
KMPRLife and Health — Insurance Reserves
$3.24B+0.3%
Ameriprise Financial logo
AMPTerm and Whole Life Insurance — Reserve for future policy benefits
$561M-6.3%
Horace Mann Educators logo
HMNWhole Life — Liability for Future Policy Benefit, Expected Net Premium, before Reinsurance, after Discount Rate Change
$222.2M-3.8%
Horace Mann Educators logo
HMNWhole life — Liability for Future Policy Benefit, before Reinsurance
$274.4M-1.9%

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

See full
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 whole life insurance — net life policy reserves?
Cincinnati Financial (CINF) reported whole life insurance — net life policy reserves of $420M in Q1 2026.
How has Cincinnati Financial's whole life insurance — net life policy reserves changed year-over-year?
Cincinnati Financial's whole life insurance — net life policy reserves increased by 1.9% year-over-year, from $412M to $420M.
What is the long-term trend for Cincinnati Financial's whole life insurance — net life policy reserves?
Over 3 years (2022 to 2025), Cincinnati Financial's whole life insurance — net life policy reserves has grown at a -1.3% compound annual growth rate (CAGR), from $1.75B to $1.68B.
What does whole life insurance — net life policy reserves mean?
Represents the total estimated liability for future policy benefits within the whole life insurance segment. This reserve accounts for the present value of future benefit payments minus the present value of future net premiums expected to be collected. It is a critical measure of the company's long-term solvency and obligation to policyholders.