Universal Life — Policyholder Account Balance, Guaranteed Minimum Credit Rating
The Hartford Financial Services Group Universal Life — Policyholder Account Balance, Guaranteed Minimum Credit Rating 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 — Policyholder Account Balance, Guaranteed Minimum Credit Rating 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 lower guaranteed minimum reduces the insurer's downside risk during low-interest-rate environments, while a higher minimum increases long-term liability risk.
Detailed definition
The minimum interest rate that the insurer is contractually obligated to credit to policyholder accounts, regardless of...
Peer comparison
Commonly referred to as 'Guaranteed Minimum Crediting Rate' in life insurance product disclosures.
hig_segment_universal_life_policyholder_account_balance_guaranteed_minimum_credit_ratingHistorical Data
| 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 |
| 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% |
| YoY Change | — | — | — | — | +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 The Hartford Financial Services Group's universal life — policyholder account balance, guaranteed minimum credit rating?
- The Hartford Financial Services Group (HIG) reported universal life — policyholder account balance, guaranteed minimum credit rating of $0.05 in Q1 2026.
- How has The Hartford Financial Services Group's universal life — policyholder account balance, guaranteed minimum credit rating changed year-over-year?
- The Hartford Financial Services Group's universal life — policyholder account balance, guaranteed minimum credit rating decreased by 0.0% year-over-year, from $0.05 to $0.05.
- What is the long-term trend for The Hartford Financial Services Group's universal life — policyholder account balance, guaranteed minimum credit rating?
- Over 2 years (2023 to 2025), The Hartford Financial Services Group's universal life — policyholder account balance, guaranteed minimum credit rating has grown at a 0.0% compound annual growth rate (CAGR), from $0.20 to $0.20.
- What does universal life — policyholder account balance, guaranteed minimum credit rating mean?
- The lowest interest rate the insurer is legally required to pay on policyholder accounts.