Variable 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: Jan 05, 2017

In this report we’ll run through variable annuity product filings from the end of 2016 we found noteworthy, as most contained new contracts, features or changes that should launch fairly soon – if they haven’t already...


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 29, 2016

In covering the variable annuity business, oftentimes, due to the amount of product filing activity insurers engage in, our reports almost “write themselves” in that we have much to discuss. During slower periods like these, we tend to comment on broader themes that may be of relevance now, or should be monitored in the future...


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 25, 2016

Over the past few weeks there’s not been a great deal of filing activity around the variable annuity business, however yesterday there was a notable development: a new benefit buyback program from Voya Insurance and Annuity Company, which we’ll cover in this report, along with some other things...


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: Oct 11, 2016

This will be a brief commentary to get caught up with new variable annuity contracts and guaranteed lifetime withdrawal benefits (GLWBs) filed with the SEC this year, as some new ones have entered the pipeline of late...


Posted By: Steven D. McDonnell Posted On: Oct 03, 2016

In this report we’ll discuss the filing by AXA Equitable of a new option that’s being extended to owners of vintage variable annuity guaranteed benefits. Unlike past offers from the company, which enticed clients to cash out of their benefits altogether, this one will encourage them to switch from one benefit to another...


Posted By: Steven D. McDonnell Posted On: Sep 27, 2016

This commentary will cover trends in variable managed-volatility portfolios through the first half of 2016, citing data we compiled from trust semi-annual reports filed with the SEC...


Posted By: Steven D. McDonnell Posted On: Sep 13, 2016

In this commentary we’ll discuss current conditions in the variable annuity business, such as which products are selling the best, and touch on details from recent product filings...


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: 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: Aug 02, 2016

While the number of guaranteed minimum income benefits (GMIBs) has dropped dramatically from years past, a few still remain for sale, and in this report we will discuss them, and share thoughts on how they are still relevant to the industry...


Posted By: Steven D. McDonnell Posted On: Jul 25, 2016

Second quarter earnings season is now underway and insurers will be reporting their results, thus we are starting to formulate our own thoughts on where variable annuity sales might have moved during that time period. In this commentary we’ll also get into some interesting product filings of late...


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: Jun 28, 2016

This will be a rather brief commentary because variable annuity filing activity remains slow around the industry, which is not unusual for this time of year. We will touch on probably the most notable development of recent weeks: Voya’s refiling of an annuitization offer that will be extended to holders of vintage guaranteed minimum income benefits


Posted By: Steven D. McDonnell Posted On: Jun 21, 2016

Over the past couple of weeks we have seen a few interesting new variable annuity contracts and riders come through the pipeline – some of which will be launching soon – and in this report we’ll discuss them...


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 23, 2016

Variable annuity industry sales in the first quarter finished how we expected they would – down considerably on both a sequential and year-over-year basis. In this report we’ll take a quick look at the numbers and put them in perspective with what’s been happening on the product front...


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: May 10, 2016

In our view, variable annuity product filing activity is still rather slow compared to prior years, so for that reason we’ll devote this report to touching on just a few developments, some which we have already covered...


Posted By: Steven D. McDonnell Posted On: May 03, 2016

Lately we haven’t seen too many variable annuity insurers make their living benefits more generous, but American General introduced a new lifetime withdrawal benefit yesterday which is now one of the few in the industry that features daily ratcheting of the client’s account value into the benefit base...


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