Universal life insurance — Range of Guaranteed Minimum Crediting Rates
Ameriprise Financial Universal life insurance — Range of Guaranteed Minimum Crediting Rates remained flat by 0.0% to $0.05 in Q1 2026 compared to the prior quarter. Year-over-year, this metric was flat by 0.0%, from $0.05 to $0.05. Over 2 years (FY 2023 to FY 2025), Universal life insurance — Range of Guaranteed Minimum Crediting Rates shows relatively stable performance with a 0.0% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
A higher range indicates greater potential liability for the insurer if market rates fall below these floors, while a lower range reduces the company's interest rate risk exposure.
Detailed definition
This metric represents the contractual floor for interest rates credited to non-indexed universal life insurance policyh...
Peer comparison
Peers in the life insurance sector disclose these rates to demonstrate their sensitivity to interest rate cycles and the adequacy of their product pricing relative to market benchmarks.
amp_segment_universal_life_insurance_range_of_guaranteed_minimum_crediting_ratesHistorical 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 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 |
| QoQ Change | — | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% |
| YoY Change | — | — | — | — | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% | +0.0% |
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Frequently Asked Questions
- What is Ameriprise Financial's universal life insurance — range of guaranteed minimum crediting rates?
- Ameriprise Financial (AMP) reported universal life insurance — range of guaranteed minimum crediting rates of $0.05 in Q1 2026.
- How has Ameriprise Financial's universal life insurance — range of guaranteed minimum crediting rates changed year-over-year?
- Ameriprise Financial's universal life insurance — range of guaranteed minimum crediting rates decreased by 0.0% year-over-year, from $0.05 to $0.05.
- What is the long-term trend for Ameriprise Financial's universal life insurance — range of guaranteed minimum crediting rates?
- Over 2 years (2023 to 2025), Ameriprise Financial's universal life insurance — range of guaranteed minimum crediting rates has grown at a 0.0% compound annual growth rate (CAGR), from $0.20 to $0.20.
- What does universal life insurance — range of guaranteed minimum crediting rates mean?
- The lowest interest rate the company is legally required to pay on universal life insurance accounts.