Fee-based annuities

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 05, 2018

Making good on its announcement of late last year, Lincoln National recently registered its first structured variable annuity with the SEC. The contract should debut sometime this year...


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 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: 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 02, 2017

Third quarter earnings season is now underway, and we are highly interested in what conference calls might reveal about the variable annuity business. We’re suspecting that sales levels might have started improve at least a bit due to the delay in full implementation of the Department of Labor’s fiduciary standard...


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 04, 2017

In this report we’ll discuss which kinds of variable annuities are selling best so far this year, and we’ll cover a few new registrations that were filed recently which we think reflect the kinds of products insurers are most likely to come out with over the near term...


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 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: 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 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 17, 2017

In first quarter earnings calls of stock-traded insurers we watch regularly, a common theme was discussed on pretty much all of them: issues in dealing with the Department of Labor’s fiduciary rule which put a damper on annuity sales...


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 25, 2017

In this report we’ll get caught up with new variable annuity contracts and guaranteed lifetime withdrawal benefits (GLWBs) filed with the SEC so far this year. In our view, industry filing activity in 2017 has been rather slow compared to years past, although this is not surprising to us given the secular de-risking period we are in...


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

Not long ago industry research firms released full-year 2016 variable annuity sales data, thus in this report we’ll give our thoughts on what the numbers revealed, and discuss some themes from last year might remain relevant moving forward...


Posted By: Steven D. McDonnell Posted On: Dec 07, 2016

This report will provide a quick update on amendments to new variable annuity contracts registered earlier in the year – most of them designed for fee-based advisors – which should launch fairly soon...


Posted By: Steven D. McDonnell Posted On: Oct 17, 2016

In this report we’ll cover a batch of new fee-based variable annuity contract registrations that came through last week, as well as other noteworthy amendments to products and benefits...


Posted By: Steven D. McDonnell Posted On: Aug 30, 2016

A number of interesting new contracts and optional guaranteed benefits were filed with the SEC recently, leading us to believe the industry is sprucing up its products in sort of a “back to school” mode for the fall...


Posted By: Steven D. McDonnell Posted On: Jul 11, 2016

In this report we’ll comment on a new variable annuity filed by Jackson National – another that will be marketed to fee-based advisors – plus we’ll touch on product filing activity we found interesting from recent weeks...


Posted By: Steven D. McDonnell Posted On: Apr 05, 2016

This week we’ll discuss a new variable annuity filed by Jackson National designed to be sold through fee-based advisors, which may be an indication that new Department of Labor fiduciary rules – set to come out very soon – will prompt insurers to offer more such contracts in the future...


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