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Research & Reports

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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Concerning Directions in the Annuity Business in Late 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...

Concerning VA Industry Sales and Product Moves for the Rest of 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…  

Earnings Held Up for Insurers in Q3 – But VA Sales? Not So Much

It seems to us that most variable annuity insurers fared well this third quarter from an earnings standpoint, helped by a rise in the stock market. However VA sales were down for the group of...

Principal Financial to Offer a GLWB Exchange Program – Not a Buyback

It’s our opinion that vintage variable annuity benefits remain problematic for quite a few insurers, and we expect more de-risking measures to be taken over time.  Last week Principal Financial filed a program that will...

Jackson National Moves to Limit 1035s Over the Remainder of This Year

Last Tuesday Jackson National sent a letter to financial advisors announcing the temporary suspension of 1035 exchanges and qualified transfers of assets into three variable annuity contract suites effective October 25. In this commentary we’ll...

Summer Moves on the VA Scene – a Mix of Innovation and De-Risking

This summer has been slow in terms of variable annuity product filings – as usually is the case for the time of year – however we have seen enough interesting things come through to give...

Update on Hartford’s Initiative: Some of Our Suspicions Have Been Confirmed

In our last few commentaries we’ve shared our suspicion that, based on language in some recent SEC filings, four state insurance departments might not allow some or all of Hartford’s planned sub-account restrictions on certain...

More Summer Product Initiatives Are Arising on the Variable Annuity Scene

In this commentary we will return to a few storylines from around the variable annuity business that we have been tracking of late, and weigh in on new ones that we have seen emerge…

An Update on Variable Annuity Contract and GLWB Filings in 2013

We have been sifting through recent filings of variable annuity contracts and lifetime withdrawal benefits and, while we haven’t been seeing quite as much activity in the pipeline as in past years, we did catch...