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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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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...

Regarding Interest Rate Risk – and How VA Insurers are Managing It

Although the industry is shifting slowly away from risky guarantees, variable annuity insurers are still finding they need to offer fairly strong benefits in order to bring in meaningful sales. What these companies are doing...

At Summer’s End – VA Insurers Were Making Further Product Adjustments

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...

Some Thoughts About the Future of VAs – and Annuities in General

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...

Earnings Review: VA Industry Sales Probably Declined in 2Q13

After reviewing second quarter results of stock-traded insurers we monitor regularly, it’s our suspicion that variable annuity industry sales dropped during that time period, which would not be surprising given all the product de-risking that...

Reviewing Variable Insurance Fund Filings from July, 2013

In July there was a pickup in filing activity related to variable insurance portfolios, with a number of interesting registrations, including two brand-new fund trusts. A good number of the new registrations are scheduled to...

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...

Reviewing Variable Insurance Fund Filings from June, 2013

Usually in June we see a slowdown in variable insurance fund filings, but this year we thought there was a good bit of activity, which we’ll discuss in this commentary…

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...