Asset allocation

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 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 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 08, 2018

This commentary contains our regular coverage of noteworthy variable insurance fund filings from the prior month. We saw no new registrations in December, and most filing activity centered around changes to existing funds...


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

During November the rate of variable fund filing tends to slow down, and such was the case this year. We noticed no new registrations and only a moderate amount of other activity...


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 07, 2017

Variable fund filing activity has started to pick up this summer: in this report we’ll cover a number of interesting new portfolios that were registered in July, as well as investment platform adjustments...


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

Just when we thought product development pipeline activity had gotten as slow as it could possibly get, we noticed interesting filings last week of new variable and structured annuities, which should launch sometime this year...


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

This will be a longer-than-usual fund report because during June we saw a surge in filing activity, including quite a few new portfolio registrations. There was also no shortage of changes of various types...


Posted By: Steven D. McDonnell Posted On: Jul 10, 2017

The focus of this report will be on variable annuity guaranteed benefit buyouts from Voya Financial and Zurich American Life that have either already launched or will be coming out soon – and both resemble similar programs the insurers extended to clients earlier...


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

As we opined in our last commentary, activity along the variable annuity product pipeline continues to be rather slow, thus we don’t have a great deal of new developments to cover. Our intention with this report is to get caught up with competitive conditions, from a product perspective, as they stand currently...


Posted By: Steven D. McDonnell Posted On: Jun 20, 2017

Activity has been a bit slow along the variable annuity product pipeline of late – which is typical of this time of year – however we do have a few notable filings to report on, and will also offer up some thoughts on related industry themes...


Posted By: Steven D. McDonnell Posted On: May 23, 2017

It’s about time we checked in on the variable annuity product pipeline because we noticed a good mix of interesting filings come through over the past few months, most of them debuting during the May prospectus update season...


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

This report contains our regular coverage of noteworthy variable fund filings from the prior month. We saw no new fund registrations come through in April, as was the case in March – and we attribute that to the generally slower conditions along the product pipeline, and that insurers probably already had their investment platform plans completed..


Posted By: Steven D. McDonnell Posted On: May 03, 2017

Last week we attended the annual LIMRA/LOMA/SOA Retirement Industry Conference, held in Orlando, Florida, and in this report we’ll share some thoughts on a topic that was much discussed throughout the event – the Department of Labor’s fiduciary standard...


Posted By: Steven D. McDonnell Posted On: Apr 18, 2017

This report covers notable variable fund developments from the last month, a time in which we saw no new registrations, but a good amount of filings that made changes to investment platforms...


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

This report contains our customary coverage of noteworthy variable fund filings from the prior month. During February we noticed a number of new registrations, including some that will pursue alternative investment and managed-volatility strategies, which have been used with increasing frequency in the industry of late...


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

Due to this being a somewhat slow period in the variable annuity product pipeline, in this report we’ll delve a little further into a new guaranteed lifetime withdrawal benefit from Lincoln National scheduled to launch in May. We already mentioned it in these pages, but a recent filing added new details...


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

In this report we’ll get caught up with notable annuity product filings filed with the SEC from February and early March, including new contracts and benefits as well as modifications to existing ones...


Posted By: Steven D. McDonnell Posted On: Feb 27, 2017

After reviewing the results of selected publicly-traded insurers from their fourth quarter earnings calls and financial statements, we expect that the variable annuity industry as a whole reflected the experience of these companies, namely lower sales for Q4 and the year...


Posted By: Steven D. McDonnell Posted On: Jan 18, 2017

With this report we’ll wrap up our coverage of notable variable insurance fund filings from last year. During December there were a number of interesting new registrations, including some managed-volatility portfolios...


Posted By: Steven D. McDonnell Posted On: Dec 15, 2016

This report contains our regular coverage of notable variable insurance fund filings from the prior month. During November we saw a number of new registrations and other interesting things, including multiple proposed fund mergers and a few liquidations...


Posted By: Steven D. McDonnell Posted On: Nov 29, 2016

In covering the variable annuity business, oftentimes, due to the amount of product filing activity insurers engage in, our reports almost “write themselves” in that we have much to discuss. During slower periods like these, we tend to comment on broader themes that may be of relevance now, or should be monitored in the future...


Posted By: Steven D. McDonnell Posted On: Nov 22, 2016

In this report we’ll cover noteworthy variable insurance fund filings from October, including a few new registrations...


Posted By: Steven D. McDonnell Posted On: Nov 08, 2016

In this commentary we’ll discuss new variable annuity concepts Lincoln National filed recently that we found interesting, and catch up with other recent developments, some related to products in the pipeline we have written about earlier, which may debut by the end of this year...


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