Universal Life — Policyholder Account Balance, Net Amount at Risk
The Hartford Financial Services Group Universal Life — Policyholder Account Balance, Net Amount at Risk decreased by 2.3% to $733.00M in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 9.4%, from $809.00M to $733.00M. Over 3 years (FY 2022 to FY 2025), Universal Life — Policyholder Account Balance, Net Amount at Risk shows a downward trend with a -8.5% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
An increase in net amount at risk generally increases the insurer's exposure to mortality fluctuations and potential claims volatility.
Detailed definition
The difference between the total death benefit payable and the current policyholder account value. This represents the i...
Peer comparison
Standard actuarial metric for life insurance, often referred to as 'Net Amount at Risk' (NAR).
hig_segment_universal_life_policyholder_account_balance_net_amount_at_riskHistorical Data
| Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | 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 | $1.09B | $1.05B | $1.03B | $1.01B | $987.00M | $966.00M | $950.00M | $928.00M | $917.00M | $897.00M | $870.00M | $852.00M | $824.00M | $809.00M | $791.00M | $775.00M | $750.00M | $733.00M |
| QoQ Change | — | -3.3% | -1.7% | -2.1% | -2.3% | -2.1% | -1.7% | -2.3% | -1.2% | -2.2% | -3.0% | -2.1% | -3.3% | -1.8% | -2.2% | -2.0% | -3.2% | -2.3% |
| YoY Change | — | — | — | — | -9.1% | -8.0% | -7.9% | -8.1% | -7.1% | -7.1% | -8.4% | -8.2% | -10.1% | -9.8% | -9.1% | -9.0% | -9.0% | -9.4% |
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Frequently Asked Questions
- What is The Hartford Financial Services Group's universal life — policyholder account balance, net amount at risk?
- The Hartford Financial Services Group (HIG) reported universal life — policyholder account balance, net amount at risk of $733.00M in Q1 2026.
- How has The Hartford Financial Services Group's universal life — policyholder account balance, net amount at risk changed year-over-year?
- The Hartford Financial Services Group's universal life — policyholder account balance, net amount at risk decreased by 9.4% year-over-year, from $809.00M to $733.00M.
- What is the long-term trend for The Hartford Financial Services Group's universal life — policyholder account balance, net amount at risk?
- Over 3 years (2022 to 2025), The Hartford Financial Services Group's universal life — policyholder account balance, net amount at risk has grown at a -8.5% compound annual growth rate (CAGR), from $4.08B to $3.13B.
- What does universal life — policyholder account balance, net amount at risk mean?
- The net amount the insurer would have to pay if all policyholders died today, after accounting for their existing account balances.