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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: Mar 13, 2019

In recent weeks we’ve seen some interesting new contracts get filed with the SEC, which we’ll discuss in this commentary. They include a new structured annuity from Nationwide and next-generation variable annuities from AXA Financial. We’ll also cover highlights from other noteworthy filings...


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

In this commentary we’ll have much to cover, as a large number of interesting variable annuity filings came through in recent weeks and they ran the gamut: from new contracts and riders to changes in pricing and product provisions to an update to a benefit buyback program...


Posted By: Steven D. McDonnell Posted On: Dec 31, 2018

If we were to characterize the year 2018 for the variable annuity business based on what we know thus far, we would call it a time of renewal, as sales started to recover, an improvement that has helped brighten prospects for the annuity industry as a whole...


Posted By: Steven D. McDonnell Posted On: Dec 11, 2018

In our view as we enter the heart of the holiday season, things are looking up for the variable annuity business: sales are recovering and insurers are building out their product offerings again. In this report we’ll share some thoughts on the current state of affairs and touch on recent product developments...


Posted By: Steven D. McDonnell Posted On: Oct 30, 2018

In this report we’ll cover a batch of notable variable annuity product filings from this month which includes a benefit buyback offer, a contract exchange offer, new contract registrations, multiple fee changes and other adjustments...


Posted By: Steven D. McDonnell Posted On: Aug 28, 2018

Variable annuity sales for most stock-traded insurers we follow regularly showed improvement in the second quarter, which no doubt contributed to the industry’s quarter-over-quarter rise. This report will be our customary quarterly rundown of what we gleaned from insurers’ earnings reports...


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

Second-quarter earnings season for stock-traded insurers is now underway and we are looking forward to hearing how variable annuity sales fared for companies we watch regularly. We suspect that more than a few carriers experienced at least modest improvement...


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

Variable annuity industry sales were better than expected in the first quarter of this year and we suspect that if conditions continue to improve over the rest of 2018, insurers will feel more comfortable to come out with interesting new product ideas...


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: 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: 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 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 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: 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: 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: 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: Dec 29, 2016

As we have done since first publishing The Soleares Report, we are devoting this last issue of December to a quick look back on the year that was in the variable annuity industry. Our view is that 2016 was a difficult time for the business on multiple levels, and our feeling is that the challenges will continue into the New Year...


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: Nov 15, 2016

In this commentary we’ll offer up our usual thoughts from insurers’ quarterly earnings calls. This time we came away with the a feeling we’ve had for some time now: that companies are more or less accepting that variable industry sales are in retraction for the foreseeable future...


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...


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...


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