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Soleares Research, LLC is a market research and consulting firm servicing the annuity and life insurance businesses. We provide, through our website, periodic articles that cover important industry trends; we also offer clients phone or on-site consultations, executive briefings and presentations. We pride ourselves on first-class customer service and responsiveness to our clients. We aim to be an indispensable resource to the marketplace.

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Posted By: Steven D. McDonnell Posted On: Oct 09, 2019

Last month we saw a “bumper crop” of new registrations submitted to the SEC, a group that included multiple variable annuities and a new structured product. We’ll discuss them in this commentary...


Posted By: Steven D. McDonnell Posted On: Sep 26, 2019

In this report we’ll get caught up with our coverage of variable insurance managed-volatility portfolios, as we have just finished compiling data through the first half of this year...


Posted By: Steven D. McDonnell Posted On: Sep 18, 2019

During the month of August, we didn’t see a great deal of variable fund filing activity. One new registration came through, but the most prevalent occurrences were changes to sub-advisors, portfolio fees and expenses...


Posted By: Steven D. McDonnell Posted On: Sep 11, 2019

Since interest rates have been dropping of late, variable annuity carriers have started adjusting their guaranteed living benefit (GLB) rider elements via rate sheet, and in this report, we’ll cover some of those moves and other product developments...


Posted By: Steven D. McDonnell Posted On: Aug 29, 2019

Not long ago we saw a variable annuity filed by Protective Life which contained a new guaranteed lifetime withdrawal benefit (GLWB) whose elements will be subject to change via rate sheet – a first for the company. In this commentary we’ll discuss this development...


Posted By: Steven D. McDonnell Posted On: Aug 23, 2019

In this commentary we’ll get caught up with recent developments in structured annuities – there was a new registration and the launch of one that had been in the pipeline – and we’ll also cover some variable annuity filings...


Posted By: Steven D. McDonnell Posted On: Aug 16, 2019

Late yesterday we concluded our review of results of selected stock-traded insurers and our main takeaway is that some of them experienced growth in their variable annuity businesses in the second quarter, although we are reluctant to think that sales for the industry appreciated...


Posted By: Steven D. McDonnell Posted On: Aug 08, 2019

In our view, July was a very busy month in terms of variable insurance fund filing activity, a time in which we saw a number of interesting developments that we’ll share in this commentary...


Posted By: Steven D. McDonnell Posted On: Aug 02, 2019

This year we’ve seen a number of variable annuity guaranteed benefit buyback offers, and in this report we’ll cover one filed not long ago by John Hancock. It is tentatively scheduled to commence in the fall...


Posted By: Steven D. McDonnell Posted On: Jul 26, 2019

In this report we’ll discuss industry trends in election rates of guaranteed living benefits (GLBs), citing data from LIMRA, and make a correction to our coverage last week of a new lifetime withdrawal benefit from Nationwide that is currently in the filing stage...


Posted By: Steven D. McDonnell Posted On: Jul 19, 2019

In this commentary we’ll review a new variable annuity guaranteed lifetime withdrawal benefit (GLWB) filed recently by Nationwide, and touch on some recent trends in rider rate sheets, which seem to point to a de-risking trend on the part of insurers...


Posted By: Steven D. McDonnell Posted On: Jul 11, 2019

This will be a fairly long commentary because variable insurance fund filing activity picked up nicely last month – among notable developments was the filing of a newly-formed trust containing a large number of fund registrations. Along with this report we’ll be updating our coverage of managed-volatility portfolios...


Posted By: Steven D. McDonnell Posted On: Jun 27, 2019

This week we’ll once again weigh in on patterns we’re seeing in variable annuity product development, which will serve as an accompaniment to our updates of Featured Research tables covering new contracts and guaranteed lifetime withdrawal benefits (GLWB)s that have been filed with the SEC so far this year...


Posted By: Steven D. McDonnell Posted On: Jun 21, 2019

In this report we’ll get caught up with recent developments along the variable annuity product pipeline and touch on pre-effective amendments to new contracts that have launched or will soon, as well as some new guaranteed living benefits...


Posted By: Steven D. McDonnell Posted On: Jun 13, 2019

This commentary will be our customary look back at noteworthy variable insurance fund filings from the prior month. In May we did not see any new fund registrations, rather we found most activity centered around changes to sub-advisory agreements...


Posted By: Steven D. McDonnell Posted On: Jun 05, 2019

As we were expecting, variable annuity industry sales declined in the first quarter of this year while production of fixed and fixed-index annuities rose, and we suspect those patterns will persist over the rest of 2019, especially if stock market volatility remains intense...


Posted By: Steven D. McDonnell Posted On: May 20, 2019

In this report we’ll discuss a variable annuity guaranteed living benefit (GLB) buyout offer recently filed by Voya Insurance and Annuity Company that is scheduled to commence in the fall. It is the first such program we’ve seen from the insurer in a few years...


Posted By: Steven D. McDonnell Posted On: May 13, 2019

In April we saw an increase in variable insurance portfolio filing activity, with quite a few new registrations and a number of interesting modifications to insurers’ investment platforms...


Posted By: Steven D. McDonnell Posted On: May 07, 2019

Based on our review of results of selected stock-traded insurers, we are of the opinion that, in all likelihood, variable annuity industry sales fell in the first quarter. In the meantime, fixed and fixed index annuities (FIAs) continued to build on their recent upward momentum...


Posted By: Steven D. McDonnell Posted On: Apr 29, 2019

In this report we’ll get caught up with noteworthy variable annuity filings from the month of April. During that time we saw a few new registrations, amendments to contracts currently in the pipeline, and plenty of changes, many of which are scheduled to take effect during the May prospectus update season...


Posted By: Steven D. McDonnell Posted On: Apr 22, 2019

In our view, variable insurance portfolio filing activity was slow during March, thus this commentary will be a brief one compared to past fund reports. During the month we didn’t identify any new registrations, but we did see a good number of sub-advisory changes, and other adjustments...


Posted By: Steven D. McDonnell Posted On: Apr 12, 2019

In this report we’ll comment on new variable annuity guaranteed lifetime withdrawal benefits (GLWBs) filed with the SEC so far this year. While filing activity of such riders has been increasing, it is still well below the levels of years past...


Posted By: Steven D. McDonnell Posted On: Mar 28, 2019

In this report we’ll provide more perspective on the kinds of new variable annuity contracts that are being registered this year with the SEC. A common tendency has been for insurers to “bracket” key elements of contracts and guaranteed benefits, the details of which will be added later, prior to launch...


Posted By: Steven D. McDonnell Posted On: Mar 20, 2019

This report will conclude our tracking of variable insurance managed-volatility portfolios for 2018, referencing data we have gathered from trust annual reports. In addition to trends in fund assets and returns, we will discuss refinements we have made to our data set...


Posted By: Steven D. McDonnell Posted On: Mar 13, 2019

In recent weeks we’ve seen some interesting new contracts get filed with the SEC, which we’ll discuss in this commentary. They include a new structured annuity from Nationwide and next-generation variable annuities from AXA Financial. We’ll also cover highlights from other noteworthy filings...


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