Living benefits

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.

List of Articles

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Posted By: Steven D. McDonnell Posted On: Aug 26, 2020

This report contains our customary review of second quarter annuity results for selected stock-traded insurers. With few exceptions the news was bad, as most companies – especially those who specialize in fixed-index annuities (FIAs) – reported sharp drops in sales...


Posted By: Steven D. McDonnell Posted On: Aug 05, 2020

It wasn’t that long ago that we provided an update on filings of new variable annuity contracts and guaranteed lifetime withdrawal benefits (GLWBs). Well, since then even more have entered the pipeline making it necessary for us to get our readers up to speed again...


Posted By: Steven D. McDonnell Posted On: Jul 15, 2020

This commentary will touch on recent activity along the variable annuity product pipeline – which admittedly has been relatively modest this year – as we have developments to share regarding new contracts and guaranteed living benefits...


Posted By: Steven D. McDonnell Posted On: Jun 24, 2020

Although our country is still faced with very challenging times and the financial markets have been volatile, that does not mean that variable annuity product activity has come to a standstill. Not by any means – and we will provide some perspective in these pages...


Posted By: Steven D. McDonnell Posted On: Jun 15, 2020

In this report we’ll cover notable developments of recent weeks that occurred on the variable annuity scene: rate sheet updates from two major insurers, both of which took effect today, and a new benefit buyback offer scheduled to start in September...


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

Despite the market turmoil and social upheaval, we have no shortage of things to cover this week regarding the annuity scene: lately there have been a number of new variable annuity registrations, new guaranteed benefit filings and index options added to fixed-index annuities (FIAs)...


Posted By: Steven D. McDonnell Posted On: May 29, 2020

First quarter variable annuity sales for most stock-traded insurers we track regularly improved compared to the prior year, once again due to lower interest rates making the product look better than fixed and indexed annuities. Effects from the COVID-19 crisis were just beginning to be felt in the quarter – they will show up to a greater extent in


Posted By: Steven D. McDonnell Posted On: May 08, 2020

The month of May is a time when insurers file annual updates to their variable annuity and fund prospectuses, and, admittedly, many filings have been coming through of late – more than enough to keep us occupied...


Posted By: Steven D. McDonnell Posted On: Apr 27, 2020

As first-quarter earnings season will be in full swing next month we’ll offer up a few thoughts on Equitable, the insurer who spun off from parent AXA via initial public offering in May of 2018. We’re certainly overdue in doing so – this year we will add it to the list of companies whose earnings calls we follow each quarter...


Posted By: Steven D. McDonnell Posted On: Apr 20, 2020

Thanks to the COVID-19 crisis we’ve had ample time to hunker down and monitor the variable annuity filing pipeline and in this report we’ll discuss some interesting developments we found, ranging from new registrations, notable amendments and benefit rate sheet updates...


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

Given the turmoil in the financial markets it’s only natural to think that variable annuity insurers would start to de-risk in earnest, and they have been – we have seen numerous products cutbacks come through recently which we’ll discuss in this report...


Posted By: Steven D. McDonnell Posted On: Mar 25, 2020

Recently U.K.-based Prudential plc disclosed plans to spin off its Jackson National unit, a move we think will have many ramifications for the U.S. annuity industry. In this report we’ll attempt to put this matter into perspective with events of the past few years...


Posted By: Steven D. McDonnell Posted On: Mar 16, 2020

February is usually when many new variable portfolios are registered in preparation for the May prospectus update season and such was again the case this year. During the month we also noticed quite a few interesting changes being made to investment platforms...


Posted By: Steven D. McDonnell Posted On: Mar 10, 2020

In this report we’ll provide thoughts on a new variable annuity guaranteed lifetime withdrawal benefit (GLWB) scheduled to launch during the May prospectus update season, and notable changes to existing riders we discovered in benefit rate sheets...


Posted By: Steven D. McDonnell Posted On: Mar 05, 2020

Variable annuity sales for most of the stock-traded insurers we track regularly improved in the fourth quarter of last year, in line with how the industry as a whole performed...


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 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 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 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: 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 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...


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