IOVAs

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.

List of Articles


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: 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: 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: 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 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 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: Feb 01, 2016

In this report we’ll reflect on variable annuity product activity that occurred during 2015, and suggest whether or not similar patterns might continue into this year – and beyond...


Posted By: Steven D. McDonnell Posted On: Jun 23, 2015

In this commentary we’ll get caught up with new variable annuity contracts registered with the SEC this year, some of which will be launching fairly soon. Not surprisingly, a good number of these products are investment-oriented variable annuities (IOVAs), reflecting the ongoing de-risking trend...


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

We’ve been expecting that insurers will start doing things to make investment-oriented variable annuities (IOVAs) more compelling, and we got some evidence of that recently from AXA, which filed an updated contract that includes a new death benefit and other interesting features...


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 25, 2014

In July we saw an increase in variable insurance fund filing activity and some interesting new registrations, which we’ll cover in this commentary. We’ll also attempt to put some filing trends in perspective, particularly those related to investment-only variable annuities (IOVAs)...


Posted By: Steven D. McDonnell Posted On: Aug 18, 2014

For a while now we had a suspicion MetLife would come out with an investment-only variable annuity, since so many of its peers have done so. As it turns out the insurer filed one not long ago, and we’ll discuss the product in this commentary...


Posted By: Steven D. McDonnell Posted On: Apr 21, 2014

Lately we’ve fielded an increased number of questions about investment-only variable annuities (IOVAs) so in this commentary we will weigh in further about them. We expect more IOVAs to be filed over the near term and we’re curious as to how insurers might experiment with their designs in order to stand out from competitors...


Posted By: Steven D. McDonnell Posted On: Apr 07, 2014

It’s been sort of slow going in the variable annuity product pipeline of late, however last week we saw a few interesting developments come through from Jackson National and Prudential: the former will be trimming benefits – and other things – while the latter added some touches to a new investment-only VA it has in the works...


Posted By: Steven D. McDonnell Posted On: Jan 13, 2014

As the year began, we were confident more investment-only variable annuities were on the drawing board and we were curious as to how insurers might tinker with the concept. It just so happens that some recent filings reveal where the IOVA may be headed...