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Ameriprise Financial AMP Universal Life Insurance — Weighted average discount rate

Other product segments

Variable Universal Life Insurance
7.1%0.0%
Other Life Insurance
3.9%-2.5%

Similar metrics at other companies

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CRBGUniversal Life — Weighted-average interest rate, current discount rate
8.1%-0.2pp
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PRUGuaranteed Universal Life — Weighted-average interest rate (at original discount rate)
3.3%0.0pp
Brighthouse Financial logo
BHFUniversal Life Insurance — Weighted-average crediting rate (2)
0.6%-0.4pp
F&G Annuities & Life logo
FGUniversal life — Weighted-average crediting rate
7.1%+0.6pp
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FNFUniversal Life — Weighted-average crediting rate
7.1%+0.6pp
MetLife logo
METUniversal and Variable Universal Life — Weighted-average annual crediting rate
3.1%+0.2pp

Other financials

Income statement

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Revenue$4.8B+10.5%
Net income$915.0M+56.9%
EPS (diluted)$9.68+66.0%

Balance sheet

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Cash & equivalents$9.4B+4.8%
Total debt$276.0M-14.3%
Total equity$6.2B+14.5%
Total assets$184.45B+3.0%

Cash flow

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Operating cash flow$459.0M-72.8%
CapEx$29.0M-19.4%
Free cash flow$430.0M-73.9%

Valuation

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Market cap$40.75B-16.1%
P/E10.5×-5.8×
P/S2.2×-0.6×

Profitability

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Net margin20.6%+3.4pp
FCF margin36.7%-1.6pp

Returns & leverage

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Return on equity66.9%+8.8pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Ameriprise Financial in its filing.

Tagged under the XBRL concept us-gaap:AdditionalLiabilityLongDurationInsuranceCurrentWeightedAverageDiscountRate.

The official record: Ameriprise Financial’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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?
This represents the interest rate used to present value the future liabilities associated with universal life insurance policies. It reflects the company's actuarial assumptions regarding the expected investment returns on assets backing these long-term obligations. Changes in this rate directly impact the valuation of insurance reserves on the balance sheet.