Life/Disability — Weighted-average crediting rate
Prudential Financial Life/Disability — Weighted-average crediting rate remained flat by 0.0% to 2.8% in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 4.1%, from 2.9% to 2.8%. Over 3 years (FY 2022 to FY 2025), Life/Disability — Weighted-average crediting rate shows an upward trend with a 5.5% CAGR.
Analysis
How to read this metric
Higher rates increase the attractiveness of products to customers but raise the insurer's interest expense; lower rates improve margins but may increase surrender risk.
Detailed definition
This metric represents the average interest rate credited to policyholder account balances within the life and disabilit...
Peer comparison
Comparable to 'Crediting Rate' or 'Average Interest Credited' reported by life insurers with significant universal life or annuity portfolios.
pru_segment_life_disability_weighted_average_crediting_rateHistorical 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 | 2.5% | 2.3% | 2.4% | 2.4% | 2.5% | 3.1% | 3% | 3% | 3% | 3.1% | 3% | 2.9% | 2.9% | 2.9% | 2.8% | 2.8% | 2.8% | 2.8% |
| QoQ Change | — | -8.0% | +5.2% | +0.4% | +4.1% | +22.1% | -3.2% | -0.7% | -0.3% | +4.1% | -3.9% | -3.4% | +0.7% | +2.1% | -4.4% | -0.4% | +0.7% | +0.0% |
| YoY Change | — | — | — | — | +1.2% | +34.3% | +23.6% | +22.2% | +17.0% | -0.3% | -1.0% | -3.7% | -2.7% | -4.5% | -5.1% | -2.1% | -2.1% | -4.1% |
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Frequently Asked Questions
- What is Prudential Financial's life/disability — weighted-average crediting rate?
- Prudential Financial (PRU) reported life/disability — weighted-average crediting rate of 2.8% in Q1 2026.
- How has Prudential Financial's life/disability — weighted-average crediting rate changed year-over-year?
- Prudential Financial's life/disability — weighted-average crediting rate decreased by 4.1% year-over-year, from 2.9% to 2.8%.
- What is the long-term trend for Prudential Financial's life/disability — weighted-average crediting rate?
- Over 3 years (2022 to 2025), Prudential Financial's life/disability — weighted-average crediting rate has grown at a 5.5% compound annual growth rate (CAGR), from 9.7% to 11.4%.
- What does life/disability — weighted-average crediting rate mean?
- The average interest rate applied to the funds held in policyholder accounts.