Deferred income 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.

List of Articles

1 | 2 |
Next | Last

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: 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 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: Jan 04, 2016

Just as we were getting back into the swing of things after the holidays, there was a sharp decline in the stock market, which prompted us to think of what the implications could be for the industry. In this brief commentary we’ll discuss some thoughts that came to mind...


Posted By: Steven D. McDonnell Posted On: Dec 28, 2015

Each year we provide, with our last issue of December, a quick rundown of how the variable annuity business performed so far, from our perspective, and a few forward-looking thoughts for the New Year. We like to think this report helps subscribing companies with the industry evaluations they make annually...


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: 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: 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 09, 2015

Last week a few insurers registered new variable annuity contracts that won’t launch until several months from now – and some of their key elements not yet fully fleshed out – so in this commentary we’ll discuss those products and also cover a few other pending changes...


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: Dec 08, 2014

In this commentary we’ll provide more of our observations on annuity sales in the third quarter, and consider the competitive landscape as we enter the holiday season...


Posted By: Steven D. McDonnell Posted On: Dec 02, 2014

Activity along the variable annuity product pipeline has been somewhat slow of late, reflecting the fact that most insurers are retooling their offerings – and yet recently we’ve noticed a company, MetLife, file new guaranteed benefits, which we’ll discuss in this commentary...


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

In this report we’ll pick up from last week’s coverage of variable product filings from recent weeks, and this time we’ll touch on a new contract coming from Prudential Financial intended for employer-sponsored retirement plans...


Posted By: Steven D. McDonnell Posted On: Oct 06, 2014

In this report we’ll discuss variable annuity filing activity from the past few weeks. Of particular note was the registration of new contracts from Lincoln National, aimed at IRA rollover money, which will include a lifetime withdrawal benefit and just one sub-account – a volatility-control fund...


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

In recent weeks we’ve seen a reduction in variable annuity product flings, which is typical for this time of year. This slower pace gives us the opportunity this week to reflect on currents of activity in the industry...


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

Late last week Principal Financial registered a new variable annuity containing a deferred income annuity (DIA) sleeve, and because of that development we thought we’d take the opportunity to consider the progress of such features around the business...


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: 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: 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...


Posted By: Steven D. McDonnell Posted On: Dec 30, 2013

Throughout most of 2013, variable annuity sales took a downward trajectory, due mostly to the de-risking undertaken by insurers, mirroring moves they had executed the year before. While net flows into VAs slowed, fixed and indexed annuity sales grew, sustaining total annuity industry output...


Posted By: Steven D. McDonnell Posted On: Dec 09, 2013

It’s our opinion that the annuity business in the U.S. is showing signs of becoming more balanced in terms of its product offerings and sales practices. Some of this process of change is happening partly out of necessity, and through recent innovations that appear to be taking hold...


Posted By: Steven D. McDonnell Posted On: Nov 18, 2013

In this commentary we’ll share our views on competitive conditions in the variable annuity space, and discuss emerging products that may influence sales over the remainder of this year, and beyond...


Posted By: Steven D. McDonnell Posted On: Sep 04, 2013

Over the last few weeks of this summer we noticed an interesting mixture of variable annuity product movements, a good number scheduled to take effect during the fall, which we’ll cover in this commentary. We are now entering a time of year where there tends to be a pickup in industry activity before things slow down for the holidays...


Posted By: Steven D. McDonnell Posted On: Aug 28, 2013

Now that summer is winding down, we’ll take the opportunity to offer up a short reflection on where the variable annuity business stands right now and where it may be headed. We believe that the industry is evolving slowly, and out of necessity – that it must change in order to remain viable in the years to come...


1 | 2 |
Next | Last