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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: 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...


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

Historically February is when many new variable funds are filed in preparation for the May prospectus update season when such funds will be added to variable contracts. That pattern was very much in effect this year; in addition, we saw numerous adjustments and changes...


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

While most stock-traded insurers we follow regularly reported declines in variable annuity deposits in the fourth quarter, most had improved results year over year, which is what we had been expecting given the demise of the Department of Labor’s fiduciary standard and a feeling of renewed optimism around the industry...


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

In this commentary we’ll have much to cover, as a large number of interesting variable annuity filings came through in recent weeks and they ran the gamut: from new contracts and riders to changes in pricing and product provisions to an update to a benefit buyback program...


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

In our view, the month of January was a rather busy one in terms of variable insurance fund filings, highlights of which we’ll cover in this commentary. In addition to multiple new registrations we saw many changes to fund platforms...


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

This will be a brief follow-up to our last commentary in which we’ll discuss variable annuity guaranteed living benefits (GLBs) that incorporate rate sheets which allow insurers to change benefit elements periodically for new sales...


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

This week we’ll discuss new variable annuities registered recently by Ameriprise Financial all of which include updates to existing guaranteed living benefits that, for the first time, will have features that may be set by the company periodically via rate sheet...


Posted By: Steven D. McDonnell Posted On: Jan 14, 2019

This commentary contains our customary review of variable fund-related filings from the prior month. In December we saw a smattering of new registrations plus numerous investment platform changes, including sub-advisory replacements and proposed mergers...


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

In this report we’ll cover several new variable annuities filed late last year by Jackson National which are updates to existing products; all of them will include new guaranteed death and living benefits and various other modifications. They are scheduled to launch this spring...


Posted By: Steven D. McDonnell Posted On: Dec 31, 2018

If we were to characterize the year 2018 for the variable annuity business based on what we know thus far, we would call it a time of renewal, as sales started to recover, an improvement that has helped brighten prospects for the annuity industry as a whole...


Posted By: Steven D. McDonnell Posted On: Dec 18, 2018

This commentary contains our customary review of variable fund-related filings from the prior month and a quarterly update on trends in variable managed-volatility portfolios with data through the third quarter...


Posted By: Steven D. McDonnell Posted On: Dec 11, 2018

In our view as we enter the heart of the holiday season, things are looking up for the variable annuity business: sales are recovering and insurers are building out their product offerings again. In this report we’ll share some thoughts on the current state of affairs and touch on recent product developments...


Posted By: Steven D. McDonnell Posted On: Dec 04, 2018

Based on our review of selected public insurers’ third quarter results, and recently-released data from industry research firms, we think the variable annuity business experienced positive uplift in the quarter, which we think will carry through the rest of this year...


Posted By: Steven D. McDonnell Posted On: Nov 27, 2018

In this commentary we’ll cover noteworthy variable fund filings from last month, a time when we saw multiple registrations of new funds of funds (F-of-Fs), some that will invest in underlying exchange-traded funds (ETFs), others that will seek to manage for volatility. We saw a large number of fund changes...


Posted By: Steven D. McDonnell Posted On: Nov 12, 2018

As third quarter earnings season is well underway, in this commentary we’ll provide a few forward-looking thoughts on how the variable annuity industry may have performed during that time period – we’ll follow up with actual sales numbers later when we compile them. In addition we’ll cover some noteworthy product filings from recent weeks...


Posted By: Steven D. McDonnell Posted On: Oct 30, 2018

In this report we’ll cover a batch of notable variable annuity product filings from this month which includes a benefit buyback offer, a contract exchange offer, new contract registrations, multiple fee changes and other adjustments...


Posted By: Steven D. McDonnell Posted On: Oct 12, 2018

In this commentary we’ll provide our usual review of fund-related filings from last month as well as an update on trends in variable managed-volatility portfolios through the first half of the year...


Posted By: Steven D. McDonnell Posted On: Oct 02, 2018

In recent weeks we’ve been noticing some interesting variable annuity product filings come through – most of them involving changes to existing contracts and benefits – and in this report we’ll report on them...


Posted By: Steven D. McDonnell Posted On: Sep 25, 2018

It’s been a few weeks since Ohio National announced it will be exiting the industry, even so we thought we should offer up a little historical perspective and thoughts about what the departure might mean for other players...


Posted By: Steven D. McDonnell Posted On: Sep 17, 2018

August was another lively month for variable fund-related filings as there were a few new registrations, some new classes, and a host of interesting changes...


Posted By: Steven D. McDonnell Posted On: Sep 10, 2018

In this report we’ll get caught up with noteworthy filings from last month, a time when a “bumper crop” of new variable and structured annuities was registered with the SEC. There were also some interesting tweaks and modifications to existing products and riders...


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