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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: Aug 23, 2016

Leading industry research firms released second-quarter 2016 annuity sales data not long ago, and results for variable annuities were down substantially over last year, while some fixed annuity product types did fairly well...


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

Based on our review of results of publicly-traded insurers we watch regularly, variable annuity sales fell for most, with at least one bright spot. Thus we are unsure whether the recent downward movement in industry sales continued or whether there was a respite...


Posted By: Steven D. McDonnell Posted On: Jun 06, 2016

In this report we’ll touch on the kind of tweaks and adjustments insurers have been making to their variable annuity products lately. Most of the changes follow patterns we have seen around the industry the past few years...


Posted By: Steven D. McDonnell Posted On: May 16, 2016

We just finished conducting our review of first quarter results of publicly-traded insurers we monitor regularly, and for all of them, variable annuity sales fell, thus we suspect the industry experienced a similar result...


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

As is our custom, we reviewed fourth quarter results of publicly-traded insurers we monitor regularly, and found it hard to come up with a strong indication as to where the industry finished for that period. A few companies had at least modest sales increases while others were not so fortunate...


Posted By: Steven D. McDonnell Posted On: Dec 01, 2015

Industry research firms began reporting third quarter sales not long ago, and the numbers confirmed our earlier suspicions, that variable annuity sales would fell in the quarter, while total industry output was sustained through a strong showing from fixed-index annuities...


Posted By: Steven D. McDonnell Posted On: Nov 09, 2015

We just completed our third quarter review of variable annuity business results of selected stock-traded insurers and found that for all of them, sales fell sequentially during that time period. Market volatility was the most-often cited reason by companies for their sales declines; we think seasonality played a role as well...


Posted By: Steven D. McDonnell Posted On: Sep 14, 2015

In this report we will catch up with recent variable annuity product filings submitted to the SEC, among them a contract from Ameritas registered last week that contains a new guaranteed lifetime withdrawal benefit...


Posted By: Steven D. McDonnell Posted On: Aug 10, 2015

Overall, we’re of the opinion that second quarter earnings for stock-traded insurers we watch regularly were pretty strong, and for all of them, variable annuity sales went up sequentially, thus we suspect the industry experienced a similar uptick...


Posted By: Steven D. McDonnell Posted On: May 11, 2015

Last week we finished reviewing first quarter results for stock-traded insurers we monitor regularly, and for most of them, variable annuity sales were lethargic, thus we expect the industry experienced similar results...


Posted By: Steven D. McDonnell Posted On: Apr 21, 2015

Last week we attended the annual LIMRA/LOMA/Society of Actuaries Retirement Industry Conference held in Washington, D.C., and in this commentary, as we have done in the past, we won’t try to completely recap the event, rather we’ll discuss thoughts and impressions we came away with from the three days...


Posted By: Steven D. McDonnell Posted On: Mar 09, 2015

We reviewed fourth quarter and full-year 2014 annuity industry sales and they came out pretty much as we expected they would – variable annuity production was down but fixed annuities, led by those of the indexed variety, were up. In this commentary we’ll reflect on the sales numbers and what they might mean for the industry going forward...


Posted By: Steven D. McDonnell Posted On: Feb 17, 2015

As is our practice each quarter, we reviewed earnings results for selected stock-traded insurers we track regularly, and came to the conclusion that for most of them, variable annuity operations performed more or less in line with expectations, but with a few hiccups here and there...


Posted By: Steven D. McDonnell Posted On: Jan 12, 2015

Last week we noted how Transamerica filed to remove optional guaranteed death and living benefits from one of its variable annuity contracts – something we found quite intriguing – and in this report we will follow up with more details on the matter, and discuss a few other industry happenings...


Posted By: Steven D. McDonnell Posted On: Jan 05, 2015

In this commentary we will get caught up with recent variable annuity filings – a good number of them involving de-risking – that we think provide great examples of how industry trends and themes that played out last year will be continuing into 2015...


Posted By: Steven D. McDonnell Posted On: Dec 30, 2014

Each year we devote the last commentary of December to taking a quick look back at the past year in the variable annuity business, and we’ll do so again this time, and also make some observations on trends in other annuity forms...


Posted By: Steven D. McDonnell Posted On: Sep 15, 2014

The start of the fall season is close upon us, as is the end of the third quarter, so in this commentary we’ll provide some quick thoughts about where we think variable annuity industry sales stand now, and where they might be headed...


Posted By: Steven D. McDonnell Posted On: Sep 08, 2014

In this report we’ll get caught up with product filings from late August – of particular note is that the batch included a number of investment-only variable annuities (IOVAs), providing further evidence that the trend of industry players moving toward those products is truly taking hold...


Posted By: Steven D. McDonnell Posted On: Aug 11, 2014

During the second quarter publicly-traded insurers we monitor regularly experienced increased profitability within their variable annuity operations, however sales for most were somewhat lackluster, as has been the case of late...


Posted By: Steven D. McDonnell Posted On: Jun 23, 2014

Since the start of the year we have been steadily tracking modifications to variable annuity products and in this commentary we’ll share what we think are prevailing trends from around the industry...


Posted By: Steven D. McDonnell Posted On: May 19, 2014

In the first quarter of this year variable annuity sales fell, on a sequential basis, for every member of our group of publicly-traded insurers we watch regularly, which makes us pretty sure that the industry experienced a similar result...


Posted By: Steven D. McDonnell Posted On: Mar 31, 2014

In this commentary we’ll discuss recent trends in variable annuity guaranteed lifetime withdrawal benefits (GLWBs), which are still a main driver of industry sales even though most major players have cut back on the generosity of their riders in recent years...


Posted By: Steven D. McDonnell Posted On: Mar 24, 2014

Not long ago leading research firms LIMRA and Morningstar released final annuity industry sales data for 2013 – after quite a long wait – and in this commentary we’ll give a few thoughts on the numbers and what they might portend for the future...


Posted By: Steven D. McDonnell Posted On: Feb 24, 2014

We reviewed fourth quarter earnings results for selected publicly-traded insurers we track regularly and came to the conclusion that variable annuity industry deposits dropped for the quarter and the year as a whole. We think the very precipitous sales declines of a number of companies offset growth reported by a few...


Posted By: Steven D. McDonnell Posted On: Feb 03, 2014

Fourth quarter earnings season for publicly-traded annuity insurers is close upon us, and we expect that most companies will report fairly decent earnings performance for the time period, given that the stock market finished on a strong note. As for annuity sales – that will be an entirely different story...


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