Universal Life Insurance — Weighted average discount rate
Ameriprise Financial Universal Life Insurance — Weighted average discount rate remained flat by 0.0% to 3.1% in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 3.1%, from 3.2% to 3.1%. Over 2 years (FY 2023 to FY 2025), Universal Life Insurance — Weighted average discount rate shows relatively stable performance with a -0.8% CAGR.
Analysis
How to read this metric
A higher discount rate reduces the present value of future liabilities, potentially increasing reported equity, while a lower rate increases the required reserve amount.
Detailed definition
This represents the interest rate used to present value the future liabilities associated with universal life insurance...
Peer comparison
Peers in the life insurance sector use similar actuarial discounting methods, though rates vary based on specific portfolio asset allocations and regulatory environments.
amp_segment_universal_life_insurance_weighted_average_discount_rateHistorical Data
| 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 | 3.2% | 3.2% | 3.2% | 3.2% | 3.2% | 3.2% | 3.2% | 3.2% | 3.2% | 3.2% | 3.2% | 3.1% | 3.1% | 3.1% |
| QoQ Change | — | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | -3.1% | +0.0% | +0.0% |
| YoY Change | — | — | — | — | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | -3.1% | -3.1% | -3.1% |
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Frequently Asked Questions
- What is Ameriprise Financial's universal life insurance — weighted average discount rate?
- Ameriprise Financial (AMP) reported universal life insurance — weighted average discount rate of 3.1% in Q1 2026.
- How has Ameriprise Financial's universal life insurance — weighted average discount rate changed year-over-year?
- Ameriprise Financial's universal life insurance — weighted average discount rate decreased by 3.1% year-over-year, from 3.2% to 3.1%.
- What is the long-term trend for Ameriprise Financial's universal life insurance — weighted average discount rate?
- Over 2 years (2023 to 2025), Ameriprise Financial's universal life insurance — weighted average discount rate has grown at a -0.8% compound annual growth rate (CAGR), from 12.8% to 12.6%.
- What does universal life insurance — weighted average discount rate mean?
- The interest rate used to calculate the current value of future insurance policy payouts.