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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: Feb 20, 2020

This report contains our closing thoughts on variable annuity product filings from 2019, a period that, in our view, was lively in terms of competition among insurers, who engaged in further innovation among emerging product types...


Posted By: Steven D. McDonnell Posted On: Feb 06, 2020

This will be a brief report covering new variable annuities registered with the SEC lately – which we think provide an early indication as to what kind of products will be popular in 2020...


Posted By: Steven D. McDonnell Posted On: Jan 28, 2020

This report is our last installment of our monthly coverage of notable variable insurance fund filings from 2019. In December we didn’t see many new fund registrations, but there was no shortage of changes and adjustments to investment platforms...


Posted By: Steven D. McDonnell Posted On: Jan 23, 2020

In this report we’ll get caught up with noteworthy variable annuity product developments from late last year and discuss a new guaranteed lifetime withdrawal benefit (GLWB) filed not long ago...


Posted By: Steven D. McDonnell Posted On: Jan 04, 2020

Since we started publishing The Soleares Report, at the end of each year have provided a review – like this one – of how the variable annuity industry fared based on currently-available data, which is intended to help our readers reflect on the recent past and prepare for internal planning meetings...


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

This report contains our customary coverage of notable variable insurance fund filings from the prior month. During November we saw one new registration, while the most common changes were sub-advisory replacements, mergers and liquidations, as well as adjustments to fund fees...


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

In this report we’ll get up to date on variable and structured annuity benefits whose elements are set periodically by rate sheet – a risk mitigation approach that has gotten increased usage in recent years...


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

Throughout this year we have covered filings related to structured annuities – a product type that has gotten much sales traction of late – and lately we began to feel that a more substantial update was in order, thus we are providing one in this report...


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

To follow up on our last report, while the variable annuity business performed well in the third quarter, the same can’t be said for the total U.S. individual annuity market, which, according to LIMRA, saw deposits dip to their lowest quarterly level since the year-earlier period...


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

As per usual, we reviewed third quarter variable annuity results for a few selected stock-traded insurers and found that most had pretty strong performance, especially on a sequential basis – reflecting how industry sales were their highest in years, according to LIMRA...


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

In this report we’ll get caught up with some variable annuity product filings submitted to the SEC from October through the middle of this month. It was an interesting mix, including new contracts and riders as well as interesting changes and adjustments...


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

In this commentary we’ll get caught up with two months’ worth of noteworthy variable insurance fund filing activity. During that time there were quite a few interesting developments, and new registrations...


Posted By: Steven D. McDonnell Posted On: Oct 30, 2019

In this report we’ll provide an update on new variable annuity guaranteed lifetime withdrawal benefits (GLWBs) filed with the SEC this year, as we’ve seen a few come through recently – some on new contracts we covered in our last commentary...


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...


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