Research & Reports
VA Insurers Are Picking Up Where They Left Off – With More Product Changes
As we get fully into 2013 we’re noticing that a few variable annuity insurers are getting right back into the swing of things, by touching up their product offerings and coming out with new designs…
A Season of Change: VA Sales Fall as Insurers Cut Back on Their Products
The year 2012 was a time when insurers made reductions to their variable annuity products: these moves included the trimming of guarantees, fee increases, closures of contracts and riders, installation of tighter investment restrictions, cuts...
MetLife’s New Index Annuity – An Example of Reverse Engineering
Last week we shared a rumor that a few insurers were planning to come out with renditions of AXA Equitable’s Structured Capital Strategies, a hybrid index/variable annuity, and said we had not seen a filing...
Industry VA Sales Look Steady for Q3 – But Earnings Results Were Mixed
After reviewing the variable annuity business results of the group of stock-traded insurers we track regularly, we’re figuring that third quarter industry sales were flat to slightly up sequentially, and probably got a little lift...
Regarding Risk – and How VA Insurers’ Methods Are Evolving to Manage It
This year has been one of rapid change, as variable annuity insurers of all sizes have sought to reduce their product-related risks in one form or another, and we’re sure that anyone looking at all...
VA Insurers Attempt to Design Attractive – But Manageable – Guarantees
A dilemma for insurers working in the variable annuity space these days is how to offer guarantees without taking on undue amounts of risk. To our minds this consideration is a priority for the industry,...
Newer Annuity Types That Are Emerging During this Period of De-Risking
For the most part, variable annuity insurers are moving away from selling risky benefits, but we think that the process of de-risking will take time, because industry sales are still largely driven by the richest...
In Anticipation – of Further Product Changes on the Variable Annuity Scene
Lately, most variable annuity insurers have been engaging in de-risking measures of one form or another, however right now we’d describe most of these movements as fine tuning of product rather than drastic reductions. That...
VA Insurers’ Summer Projects – From De-risking to New Product Concepts
The summer is usually a slow period for the variable annuity business, with sales dropping off, at least by a small margin. This year, however, it seems that activity has been picking up, most of...
