Universal Life — Policyholder Account Balance Guaranteed Minimum Credit Rating
Principal Financial Group Universal Life — Policyholder Account Balance Guaranteed Minimum Credit Rating remained flat by 0.0% to $0.04 in Q1 2026 compared to the prior quarter. Year-over-year, this metric was flat by 0.0%, from $0.04 to $0.04. 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 higher rate increases the company's liability and interest expense burden, while a lower rate reduces the cost of capital for the insurer.
Detailed definition
Represents the floor interest rate contractually guaranteed to policyholders on their universal life account balances. T...
Peer comparison
Commonly disclosed by life insurers as 'minimum crediting rate' or 'guaranteed interest floor' in product disclosures.
pfg_segment_universal_life_policyholder_account_balance_guaranteed_minimum_credit_ratingHistorical 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 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 |
| 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 Principal Financial Group's universal life — policyholder account balance guaranteed minimum credit rating?
- Principal Financial Group (PFG) reported universal life — policyholder account balance guaranteed minimum credit rating of $0.04 in Q1 2026.
- How has Principal Financial Group's universal life — policyholder account balance guaranteed minimum credit rating changed year-over-year?
- Principal Financial Group's universal life — policyholder account balance guaranteed minimum credit rating decreased by 0.0% year-over-year, from $0.04 to $0.04.
- What is the long-term trend for Principal Financial Group's universal life — policyholder account balance guaranteed minimum credit rating?
- Over 2 years (2023 to 2025), Principal Financial Group's universal life — policyholder account balance guaranteed minimum credit rating has grown at a 0.0% compound annual growth rate (CAGR), from $0.16 to $0.16.
- What does universal life — policyholder account balance guaranteed minimum credit rating mean?
- The minimum interest rate the company is contractually obligated to pay on policyholder account balances.