Chubb 2025 Wealth Survey: The Resilient Mindset

Rhea-AI Summary

Chubb (NYSE:CB) released its 2025 wealth survey, "The Resilient Mindset," of 1,000 affluent North Americans (July–Sept 2025) highlighting optimism amid protection gaps.

Key findings: 79% expect economic growth; cybersecurity ranks top risk though only 41% carry standalone cyber insurance; 74% lack an estate plan and ~50% lack a will. Collectibles trends: 44% plan to expand collections, 68% intend to bequeath items, while many prefer self-directed collecting. Flooding, extreme weather, and marine liability are major concerns; many are increasing home resilience and insurance.

Positive

• 79% expect economic growth over next 12 months
• 44% plan to expand luxury collections
• 86% are strengthening home resilience (improvements)
• 83% increasing insurance for weather risks

Negative

• 74% of respondents have no estate plan
• Nearly half lack a will
• 77% acquiring valuables do not intend to insure them
• Only 41% carry standalone cyber insurance

News Market Reaction

+0.19%

1 alert

+0.19% News Effect

On the day this news was published, CB gained 0.19%, reflecting a mild positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Expect economic growth: 79% See more wealth opportunities: 67% Standalone cyber policy: 41% +5 more

8 metrics

Expect economic growth 79% Affluent respondents expecting economy to grow over next 12 months

See more wealth opportunities 67% Respondents saying there are more opportunities to build wealth now

Standalone cyber policy 41% Affluent respondents with standalone cyber insurance

Plan to bequeath collections 68% Respondents planning to pass collections to heirs

Domestic travel plans 93% Respondents planning spending on domestic travel

International travel plans 81% Respondents planning spending on international travel

Uninsured new valuables 77% Those planning to acquire valuables who do not intend to insure them

Home resilience upgrades 86% Respondents making home improvements for extreme weather resilience

Market Reality Check

Price: $303.49 Vol: Volume 2,349,539 vs 20-da...

normal vol

$303.49 Last Close

Volume Volume 2,349,539 vs 20-day average 1,699,807 (relative volume 1.38). normal

Technical Price $305.98 is above 200-day MA $283.9 and within -0.3% of 52-week high.

Peers on Argus

CB was down 1.55% while key peers like PGR (+3.09%), HIG (+3.33%), ALL (+2.27%),...

CB was down 1.55% while key peers like PGR (+3.09%), HIG (+3.33%), ALL (+2.27%), TRV (+1.21%), and MKL (+1.34%) were up, pointing to stock‑specific pressure rather than a sector move.

Historical Context

5 past events · Latest: Dec 03 (Neutral)

5 events

Date	Event	Sentiment	Move	Catalyst
Dec 03	Wealth survey release	Neutral	+0.2%	Publication of 2025 wealth survey highlighting risks and protection gaps.
Nov 20	Dividend declaration	Neutral	+0.8%	Board declared quarterly cash dividend of $0.97 per share.
Nov 18	Executive appointment	Neutral	+0.3%	Named new COO for North America Field Operations to oversee distribution.
Nov 10	IR leadership hire	Neutral	+1.4%	Announced new Senior VP for Investor Relations with market experience.
Nov 04	Executive retirement	Neutral	+2.7%	Announced retirement of senior North America Insurance executive.

Recent Company History

Recent CB news over the last month focused on corporate and governance updates. On Nov 4, Chubb announced a senior executive retirement with leadership continuity plans. Subsequent releases on Nov 10 and Nov 18 detailed key appointments in investor relations and North America field operations. On Nov 20, the board declared a quarterly dividend of $0.97 per share. The current wealth survey on Dec 3 continues this pattern of informational, franchise-focused communication rather than balance-sheet events.

Market Pulse Summary

This announcement highlights risk perceptions among affluent North Americans, with strong focus on c...

Analysis

This announcement highlights risk perceptions among affluent North Americans, with strong focus on cybersecurity, estate planning gaps, collectibles, and climate-related property threats. For Chubb, these findings intersect directly with personal risk, cyber, marine, and property insurance offerings. Recent company news has centered on leadership appointments and dividends, suggesting a period of franchise and governance stability. Investors may watch how Chubb’s product mix and advisory capabilities align with the survey’s emphasis on protection gaps and resilience planning.

Key Terms

cybersecurity, cyberbullying, identity theft, estate plan, +4 more

8 terms

cybersecurity technical

"Cybersecurity ranks as the number one risk, with cyberbullying and identity theft..."

Cybersecurity involves protecting computers, networks, and digital information from theft, damage, or unauthorized access. It is essential for safeguarding sensitive data and maintaining trust in digital systems, which matters to investors because strong cybersecurity reduces the risk of costly breaches and disruptions that can impact a company’s performance and reputation. Think of it as locking and safeguarding valuable information much like securing a safe to prevent theft.

cyberbullying technical

"Cybersecurity is named the top issue... with cyberbullying and identity theft..."

Cyberbullying is the repeated use of electronic communication—messages, social media posts, images or videos—to harass, threaten, or humiliate someone. Investors care because outbreaks of online abuse can damage a company’s brand, drive away customers or users, trigger legal or regulatory action, and require costly fixes or policy changes; think of it like a reputational fire that can spread quickly and hit revenue and valuation.

identity theft technical

"Cybersecurity is named the top issue... with cyberbullying and identity theft..."

Identity theft is when someone steals another person’s personal details—such as name, Social Security number, bank account or login credentials—and uses them to impersonate that person to access money, credit, or services. For investors this matters because it can lead to direct financial losses, regulatory penalties, lawsuits, and damaged customer trust that can reduce revenue and stock value, much like a break‑in that shakes confidence in a business.

estate plan financial

"Nearly half of affluent respondents say they don't have a will, and 74% don't have an estate plan..."

An estate plan is a practical roadmap that explains how a person's money, investments, property and important decisions should be handled during their lifetime and passed on after they die. For investors it matters because a clear plan helps preserve the value of assets, reduce taxes and avoid delays or disputes—like labeling and organizing the contents of a safe so heirs can access and use what you intended without costly confusion.

excess liability insurance financial

"81% do not carry excess liability insurance and 78% of those who do..."

Extra liability insurance is a policy that provides additional financial protection once a company’s primary insurance limits are exhausted, like an umbrella that opens when a smaller raincoat can’t stop the downpour. It matters to investors because it limits the chance that a single large lawsuit or claim will force a company to pay out of cash or take a big hit to earnings and the balance sheet, thereby reducing downside risk and helping stabilize valuation.

Form 144 regulatory

"A holder of CB common stock has filed a Form 144 notice to sell 4,357 shares..."

Form 144 is a document that investors must file with the government when they plan to sell a large number of shares of a company's stock. It helps ensure transparency so everyone knows how many shares are being sold and when, which can impact the stock's price.

restricted stock vesting financial

"The shares to be sold were acquired on 05/15/2025 through restricted stock vesting..."

Restricted stock vesting is the timetable and conditions under which shares granted to employees or insiders become fully owned and can be sold, typically requiring continued work or meeting performance goals. It matters to investors because large blocks of shares can become tradable at once, which can change share supply and price, and because vesting aligns insiders’ incentives with the company’s long‑term performance—think of it like a timed unlock that both rewards and locks in key people.

Schedule 13G/A regulatory

"[SCHEDULE 13G/A] Chubb Ltd SEC Filing"

A Schedule 13G/A is an amended public filing with the U.S. securities regulator that updates a previous Schedule 13G, disclosing when an individual or group holds a substantial (typically over 5%) stake in a company and is claiming a passive, non‑controlling intent. Investors monitor these updates because rising or falling holdings can signal changing confidence, potential future moves, or shifts in voting power — like watching a public ledger where large shareholders quietly adjust their positions.

AI-generated analysis. Not financial advice.

Cyberattacks, Generational Wealth Transfer, and Inflation Top Concerns of Affluent North Americans

• Cybersecurity ranks as the number one risk, with cyberbullying and identity theft named biggest concerns
• Nearly half of respondents lack a will, 74% have no estate plan
• Economic confidence fuels surge in luxury travel and collections spending plans; fine art and timepieces most coveted; millennials prefer sports memorabilia and luxury handbags

NEW YORK, Dec. 3, 2025 /PRNewswire/ -- Chubb today released the findings of its 2025 wealth survey, "The Resilient Mindset: Turning Risk Awareness into Advantage," revealing optimism tempered by critical vulnerabilities among high-net-worth North Americans, most reporting assets over $5 million. As affluent families stand on the brink of the largest generational wealth transfer in history, the report highlights how wealthy North Americans are turning risk awareness into an advantage through strategic planning and partnerships.

Key Findings: Optimism, Uncertainty, Critical Gaps

• High Confidence in Economic Growth
  • 79% believe the economy will grow over the next 12 months, and 67% say there are more opportunities to build wealth now than ever before, but this optimism is tempered by headwinds, including the risk of investment loss, the potential impact of extreme weather events and worries about economic competitiveness.
• Cybersecurity: The Number One Worry
  • Cybersecurity is named the top issue keeping the affluent up at night, with cyberbullying and identity theft as the biggest concerns.
  • Despite the concern, only 41% have a standalone cyber insurance policy.
  • High net worth families may be prime targets of sophisticated cyberattacks with scams from phishing to social engineering continuing to rise.
• Bequeathing a Collection: Doubts and Uncertainties
  • Sixty-eight percent plan to pass collections to heirs; but 36% of them worry about legacy continuation

The Great Generational Wealth Transfer

Chubb's survey spotlights how affluent families are not only navigating risks to wealth but also the emotional complexities and the financial high stakes of passing on their legacies. This generational tension in estate planning is creating a stark divide between intentions and actions.

Nearly half of affluent respondents say they don't have a will, and 74% don't have an estate plan, including many with assets over $25 million. These figures increase with age and assets but remain alarmingly low, leaving fortunes exposed to uncertainty.

• Just over 1 in 10 plan to sell their collections, with 53% citing financial concerns as the main reason.
• 8% plan to donate, but over half remain uncertain about their decisions.

The report pinpoints how the generational wealth transfer is being shaped and complicated by millennials' distinct interests and preferences in valuables, which often diverge from those of their parents. Millennials are twice as likely to spend on sports memorabilia than older collectors and are also the most likely to spend on luxury handbags.

	Total	28-43 (Millennials)	44-59 (Gen X)	60-69 (Boomers II)	70-78 (Boomers I)
Timepieces and watches	17 %	15 %	11 %	19 %	22 %
Fine art	15 %	5 %	15 %	17 %	18 %
Stamps	10 %	5 %	9 %	10 %	14 %
Fine wine and spirits	9 %	6 %	8 %	11 %	11 %
Sports memorabilia	8 %	14 %	7 %	7 %	7 %
Jewelry	7 %	5 %	7 %	6 %	9 %
Automobiles	5 %	6 %	4 %	6 %	7 %
Luxury handbags	5 %	8 %	6 %	7 %	3 %

"We encourage families to initiate candid conversations early on about whether the next generation actually desires the art and what alternatives make sense, such as donating, selling or establishing a foundation," said Laura Doyle, Senior Vice President and Valuable Collections Product Leader, Chubb Personal Risk Services. "Collecting isn't just about acquisitions, it's also about stewardship, succession and foresight. Those who plan early tend to preserve both their art and their family harmony."

Luxury Spending Plans: Travel and Collectibles

High-net-worth individuals and collectors show no signs of curbing their luxury pursuits, with 44% planning to expand their collections, while a mere 9% intend to divest.  Luxury travel is the top spending priority, with more than eight in ten across all age groups gearing up to spend big on domestic and international travel, marking a significant uptick from previous years.

Upcoming Spending Plans

• 93% Domestic travel
• 81% International travel
• 59% Real estate
• 57% Entertainment
• 25% Collections
• 25% Education

Wealth Protection Gaps

Chubb's survey shows that financial success does not guarantee adequate wealth protection.

• 77% of those planning to acquire valuables do not intend to insure them.
• The vast majority of collectors (86%) prefer to do their own research rather than engage an art advisor (32%).
• 81% do not carry excess liability insurance and 78% of those who do, have policies for $3 million or less.

A key takeaway from the survey showed individuals and families who integrate insurance protection and adaptability into their wealth strategies are much better equipped to preserve both their assets and their values.

Extreme Weather: A Threat to Wealth

Extreme weather and climate volatility remain a nearly universal concern for affluent homeowners in the survey.

• 74% say flooding is the greatest extreme weather risk to their wealth.
• A vast majority of collectors believe loss or damage from natural disasters represents the greatest threat to their valuable collections (73%), greater than the risk of loss or damage from fire (69%) or theft (65%).
• Most are adopting a resilient mindset, with 86% making home improvements such as fire-resistant roofing, impact-resistant windows, optimized landscaping for water diversion, and whole-home generators with battery backups.
• 83% are increasing insurance coverage for weather risks they can't control.

Luxury Boating Safety and Liability

While yacht and boat ownership are a top lifestyle priority for affluent families, the report reveals that this passion is often accompanied by significant anxiety.

Nearly all boat owners (94%) are concerned about the qualifications or experience of those operating their vessels, and nearly one-third (32%) admit to being "considerably concerned" about their own ability to ensure that they're piloted safely.

Top Marine Concerns & Risks:

• Mechanical Breakdown: 55%
• Inadequate Insurance Coverage: 48%
• Potential Liability: 46%
• Storm Protection: 43%

"This report exposes a critical liability that too many successful North Americans are still unnecessarily exposed to financial and reputational threats," said Melissa Scheffler, Division President, Chubb North America Personal Risk Services. "Closing this protection gap requires moving beyond simple coverage to a partnership that provides the specialized expertise and foresight necessary for long-term security."

Methodology

The 2025 Chubb Wealth Report is based on research conducted by Beresford Research. Data was gathered from 1,000 respondents across North America between July and September 2025, with participants representing a range of demographics and age groups. All respondents possess investable assets of at least $1,500,000, with the majority of respondents having assets exceeding $5 million.

About Chubb

Chubb is a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. The company is defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb employs approximately 43,000 people worldwide. Additional information can be found at: www.chubb.com.

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SOURCE Chubb

FAQ

What did Chubb's 2025 wealth survey (CB) find about estate planning among high-net-worth North Americans?

The survey found 74% have no estate plan and nearly 50% lack a will, including many with assets over $25 million.

How prevalent is cyber insurance among affluent respondents in Chubb's 2025 survey (CB)?

Only 41% of respondents reported having a standalone cyber insurance policy despite cybersecurity being the top concern.

What percentage of wealthy respondents plan to expand collectibles according to Chubb (CB) 2025 survey?

44% of high-net-worth respondents said they plan to expand their collections.

How does Chubb's 2025 survey (CB) describe affluent homeowners' actions on extreme weather risk?

The survey reports 86% made home improvements (e.g., impact windows, fire-resistant roofing) and 83% increased insurance for weather risks.

What are the top risks to valuable collections in Chubb's 2025 survey (CB)?

Respondents ranked natural disasters/flooding highest (73% for collections; 74% named flooding the greatest extreme weather risk).