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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: May 10, 2018

First-quarter variable annuity deposits for most of the stock-traded insurers we monitor regularly were better compared to the prior-year quarter and we expect the industry may have had a similar experience...


Posted By: Steven D. McDonnell Posted On: May 03, 2018

In this report we’ll comment on variable annuity benefit launches that have occurred of late plus touch on adjustments and tweaks insurers have been making during the May prospectus update season...


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

In this report we’ll comment on recent filings of rate sheets for variable annuity benefits, plus cover some other product developments we found noteworthy, including Lincoln National’s disclosure of rider adjustments it will make in May...


Posted By: Steven D. McDonnell Posted On: Apr 16, 2018

Despite last year’s sales drop fixed-index annuities (FIA) have been doing better than variable annuities in recent years thus it’s only natural that some ideas from the former should migrate to the latter. Such was the case with a new VA contract from Midland National that is scheduled to launch this May...


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

This report contains a brief update to our tracking of variable annuity product filing activity – which continues to be relatively slow – and a short summary of an interesting new variable and index-linked life policy, plus notes on new pieces of our Featured Research...


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

Given that not much variable annuity product filing activity has occurred since our last update, this week we will provide a simple reflection on current conditions in the industry...


Posted By: Steven D. McDonnell Posted On: Mar 05, 2018

In this report we’ll get caught up on variable annuity products that were filed from mid-February into early March. Included in this batch were a few enhancements to guaranteed living benefits, making us think that insurers are getting into a more competitive mode in order to increase their sales...


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

As we typically do each earnings season, we reviewed variable annuity business results for a small number of selected stock-traded insurers and for most of them, sales improved in Q4, however we can’t say the same about the industry as a whole...


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

In recent weeks we’ve seen an uptick in product filings coming through around the variable annuity industry, including new contracts, guaranteed benefits and other changes that we’ll cover in this commentary...


Posted By: Steven D. McDonnell Posted On: Jan 29, 2018

With this report we’ll conclude our coverage of variable annuity contracts registered last year and provide some thoughts on current directions in product design...


Posted By: Steven D. McDonnell Posted On: Jan 22, 2018

In this report we’ll cover recent competitive tweaks insurers are making to their annuity product offerings, including new registrations and benefit enhancements, and we’ll also have some follow-up comments regarding last week’s report...


Posted By: Steven D. McDonnell Posted On: Jan 16, 2018

The New Year is now well underway, however we can’t say we’ve seen a great deal of noteworthy variable product filings yet, with the exception of changes Transamerica made to certain guaranteed living benefit rate sheets...


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

In this first commentary of the New Year we’ll discuss some variable annuity product filings submitted to the SEC over the last days of 2017, which, in our view, reflected the kind of contracts and features the industry is most focused on at the moment...


Posted By: Steven D. McDonnell Posted On: Dec 19, 2017

As usual, our last commentary of December is a reflection on how the variable annuity business performed this year, based upon what we know thus far from sales levels and product developments...


Posted By: Steven D. McDonnell Posted On: Dec 05, 2017

Over the past five years we have seen a number of insurers offer incentives to clients to cash out of their variable annuity benefits. Last week Ohio National filed something we hadn’t seen before: a program for clients to trade in their variable annuity with a living benefit for a fixed-index annuity – also with a living benefit.


Posted By: Steven D. McDonnell Posted On: Nov 29, 2017

For a number of reasons there is now much interest around the industry in variable annuities built for sale through fee-based financial advisors; with that fact in mind, in this report we’ll provide some perspective on the subject and thoughts for the future...


Posted By: Steven D. McDonnell Posted On: Nov 17, 2017

After reviewing earnings calls of stock-traded insurance companies we cover regularly, we came away with the impression that for of them, variable annuity results were lackluster, although there were a few instances of modest improvement...


Posted By: Steven D. McDonnell Posted On: Nov 09, 2017

While we have seen a few insurers offer to buyout owners of vintage guaranteed lifetime benefits for risk-reduction purposes, a company that has taken a different approach is Principal Financial. Earlier this week it filed to offer a program that will switch holders of older benefits into newer ones...


Posted By: Steven D. McDonnell Posted On: Oct 24, 2017

This will be a brief report in which we’ll get caught up with the latest in new variable annuity contract filings, and cover a few noteworthy product changes...


Posted By: Steven D. McDonnell Posted On: Oct 12, 2017

While activity along the variable annuity product pipeline has been slower than usual of late, we did manage to find a few interesting developments in recent SEC filings which we’ll cover in this report...


Posted By: Steven D. McDonnell Posted On: Sep 11, 2017

This will be yet another one of our reports covering recent variable annuity product filings we found interesting. Most of them involved alterations to existing contracts and riders; there were also updates to annuities in the pipeline and a new benefit buyback program...


Posted By: Steven D. McDonnell Posted On: Aug 28, 2017

In this report we’ll cover new variable annuity contracts and guaranteed death and living benefits filed with the SEC in August. In most cases the products are next-generations versions of existing ones, with slight modifications or upgrades...


Posted By: Steven D. McDonnell Posted On: Aug 21, 2017

In our following of activity along the variable annuity product filing pipeline of recent weeks, we came to the opinion that things are rather slow going; however we did see multiple benefit rate sheet updates, some which we’ll cover in this report. We’ll also touch on a few product changes...


Posted By: Steven D. McDonnell Posted On: Aug 14, 2017

As we suspected, some stock-traded insurance companies we cover regularly garnered increases in variable annuity sales sequentially, which we attribute partly to seasonality – since the second quarter is usually a strong one for the industry – and partly to the continued strong performance of the stock market...


Posted By: Steven D. McDonnell Posted On: Aug 01, 2017

As second quarter earnings season has gotten underway, in this commentary we’ll provide a few thoughts about how we think the variable annuity industry has been performing. We will make sure to follow up with more perspective once official sales numbers come out...


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