Products & Services · Weighted average discount rate
Term and Whole Life Insurance — Weighted average discount rate
Ameriprise Financial Term and Whole Life Insurance — Weighted average discount rate increased by 5.7% to 5.6% in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 1.8%, from 5.5% to 5.6%. Over 2 years (FY 2023 to FY 2025), Term and Whole Life Insurance — Weighted average discount rate shows relatively stable performance with a -0.7% CAGR.
Analysis
StatementSegment
CategoryRisk
SignalContext dependent
VolatilityModerate
First reportedQ4 2021
Last reportedQ1 2026
How to read this metric
A lower discount rate generally increases the reported liability, potentially pressuring earnings, while a higher rate reduces the liability.
Detailed definition
This is the interest rate used to discount future expected cash flows (premiums and benefits) to their present value. It...
Peer comparison
Standard actuarial assumption used across the insurance industry for liability valuation.
Metric ID:
amp_segment_term_and_whole_life_insurance_weighted_average_discount_rateHistorical Data
15 periods
| Q4 '21 | 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 | 2.8% | 5.5% | 5.1% | 5.4% | 6.1% | 5.1% | 5.3% | 5.6% | 4.9% | 5.6% | 5.5% | 5.4% | 5.2% | 5.3% | 5.6% |
| QoQ Change | — | +96.4% | -7.3% | +5.9% | +13.0% | -16.4% | +3.9% | +5.7% | -12.5% | +14.3% | -1.8% | -1.8% | -3.7% | +1.9% | +5.7% |
| YoY Change | — | +96.4% | — | — | — | -7.3% | +3.9% | +3.7% | -19.7% | +9.8% | +3.8% | -3.6% | +6.1% | -5.4% | +1.8% |
Range2.8% – 6.1%
CAGR+21.9%
Avg YoY Growth+8.2%
Median YoY Growth+3.7%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is Ameriprise Financial's term and whole life insurance — weighted average discount rate?
- Ameriprise Financial (AMP) reported term and whole life insurance — weighted average discount rate of 5.6% in Q1 2026.
- How has Ameriprise Financial's term and whole life insurance — weighted average discount rate changed year-over-year?
- Ameriprise Financial's term and whole life insurance — weighted average discount rate increased by 1.8% year-over-year, from 5.5% to 5.6%.
- What is the long-term trend for Ameriprise Financial's term and whole life insurance — weighted average discount rate?
- Over 2 years (2023 to 2025), Ameriprise Financial's term and whole life insurance — weighted average discount rate has grown at a -0.7% compound annual growth rate (CAGR), from 21.7% to 21.4%.
- What does term and whole life insurance — weighted average discount rate mean?
- The interest rate used to calculate the current value of future insurance payments.