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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: Jun 29, 2017

As we opined in our last commentary, activity along the variable annuity product pipeline continues to be rather slow, thus we don’t have a great deal of new developments to cover. Our intention with this report is to get caught up with competitive conditions, from a product perspective, as they stand currently...


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: 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 07, 2016

This report will provide a quick update on amendments to new variable annuity contracts registered earlier in the year – most of them designed for fee-based advisors – which should launch fairly soon...


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: 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: 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: 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: Oct 06, 2015

In this commentary we’ll cover a topic we haven’t visited for a while: structured annuities, as a few new ones were filed with the SEC recently, some of them updates to existing contracts. We’ll also touch on other noteworthy product developments...


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 31, 2015

This commentary will be a short reflection on how a distribution arm of Voya Financial has curtailed the sale of certain variable annuity share classes with guaranteed benefits, at the insistence of regulators. It’s our suspicion that other firms will probably have to follow suit, and such moves might have an impact industry sales...


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: 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: 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: Feb 02, 2015

For the most part, variable annuity insurers have been scaling back on the generosity of their guaranteed benefits, but there are a few out there who are not afraid to offer rather aggressive features, and one of them is Forethought Life. In this commentary we’ll discuss some new things things the insurer filed recently...


Posted By: Steven D. McDonnell Posted On: Jan 26, 2015

If anyone had doubts that Jackson National wants to maintain its leadership position in variable annuity sales, those would have to be dispelled by the company’s filing last week of new guaranteed minimum death benefits that will certainly enhance its product offerings and contribute to continued strong sales...


Posted By: Steven D. McDonnell Posted On: Jan 19, 2015

This past December we saw no new registrations of variable insurance funds, but that isn’t out of the ordinary because filing activity usually slows down late in the year. In any event, plenty of other fund-related developments came through during the month to make matters interesting...


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 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: Nov 03, 2014

In recent weeks the variable annuity product pipeline hasn’t exactly been buzzing with activity, but we have seen a few tweaks and rider updates – most, but not all, involving de-risking – and we’ll discuss them 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: 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...


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