Universal Life — Policyholder Funds With Guaranteed Minimum Crediting Rate
Principal Financial Group Universal Life — Policyholder Funds With Guaranteed Minimum Crediting Rate decreased by 0.6% to $5.74B in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 2.5%, from $5.89B to $5.74B. Over 2 years (FY 2023 to FY 2025), Universal Life — Policyholder Funds With Guaranteed Minimum Crediting Rate shows relatively stable performance with a -2.2% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
An increase indicates higher exposure to interest rate risk and potential margin compression if market yields fall below the guarantee.
Detailed definition
The total value of policyholder account balances that are subject to a contractually defined minimum interest crediting...
Peer comparison
Similar to 'interest-sensitive liabilities' or 'guaranteed account value' reported by peer life insurance companies.
pfg_segment_universal_life_policyholder_funds_with_guaranteed_minimum_crediting_rateHistorical 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 | $6.21B | $6.16B | $6.11B | $6.08B | $6.07B | $6.03B | $5.99B | $5.96B | $5.93B | $5.89B | $5.84B | $5.82B | $5.78B | $5.74B |
| QoQ Change | — | -0.8% | -0.9% | -0.4% | -0.2% | -0.6% | -0.6% | -0.6% | -0.6% | -0.5% | -0.8% | -0.3% | -0.8% | -0.6% |
| YoY Change | — | — | — | — | -2.4% | -2.1% | -1.9% | -2.0% | -2.4% | -2.3% | -2.5% | -2.3% | -2.5% | -2.5% |
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Frequently Asked Questions
- What is Principal Financial Group's universal life — policyholder funds with guaranteed minimum crediting rate?
- Principal Financial Group (PFG) reported universal life — policyholder funds with guaranteed minimum crediting rate of $5.74B in Q1 2026.
- How has Principal Financial Group's universal life — policyholder funds with guaranteed minimum crediting rate changed year-over-year?
- Principal Financial Group's universal life — policyholder funds with guaranteed minimum crediting rate decreased by 2.5% year-over-year, from $5.89B to $5.74B.
- What is the long-term trend for Principal Financial Group's universal life — policyholder funds with guaranteed minimum crediting rate?
- Over 2 years (2023 to 2025), Principal Financial Group's universal life — policyholder funds with guaranteed minimum crediting rate has grown at a -2.2% compound annual growth rate (CAGR), from $24.42B to $23.34B.
- What does universal life — policyholder funds with guaranteed minimum crediting rate mean?
- The total amount of customer funds that have a guaranteed minimum interest rate.