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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: 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: 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: 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 11, 2017

Now that we are well into the second week of the New Year, we must say we haven’t seen any particularly notable variable annuity product concepts get introduced yet, and we think the lack of activity is reflective of the industry’s lingering uncertainty regarding its prospects...


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: 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: 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: Jul 18, 2016

This report will cover variable fund filings from June that we found notable. During the month a significant amount of activity we saw involved changes to sub-advisors and fees...


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: 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: Mar 08, 2016

In this commentary we’ll discuss some variable annuity product filings with the SEC from recent weeks that we found interesting, some of which, we’ll admit, have elements we are not yet totally clear on...


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: Dec 08, 2015

In this report we’ll discuss deferred income annuities (DIAs), products that, in our view, were built to provide less risky forms of guaranteed income as compared to living benefits, and to answer longstanding objections to traditional income annuities, such as lack of flexibility and liquidity...


Posted By: Steven D. McDonnell Posted On: Sep 29, 2015

It seems like the year is going by very fast – the third quarter is winding down already and yet, in our view, it’s hard to forecast how the variable annuity business will finish up – moreover, we are seeing emerging issues that will be of importance to the business well into the future...


Posted By: Steven D. McDonnell Posted On: Aug 25, 2015

This commentary will be a brief reflection on recent developments regarding the income-taking aspects of annuities that we think our subscribers should monitor – as it’s not clear to us yet how much of an impact they will have on the industry...


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: May 04, 2015

In this report we’ll run through an assortment of variable annuity product developments that are either taking place now, during the May prospectus update season, or will take effect later in the year. In our view this season is shaping up to be much less hectic than in the past, which makes sense, as the industry is in a transition period...


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 30, 2015

The first quarter will conclude tomorrow and it’s our view that variable annuity business sales probably did not pick up very much, if at all, during that time period...


Posted By: Steven D. McDonnell Posted On: Mar 16, 2015

This February we saw a fairly large number of new variable insurance funds get registered with the SEC, which is typical for the time of year, as insurers prepare to update their products in May. In these pages we’ll cover the new arrivals and other developments we found interesting over the course of the month...


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: 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...


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