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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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A Variety of Tweaks to Contracts, Riders are Coming Through in May Updates

Over the past few weeks we have been occupied with sifting through annual variable annuity prospectus updates, and within some filings we saw adjustments to in-force contracts and benefits that we think provide evidence that...

Insurers are Reshaping Annuities to Offer Unique Income-Focused Guarantees

The annuity industry is now in a period where it is seeking to develop new product types, using the lessons learned during the heady days of the variable annuity arms race. It is abundantly clear...

Jackson National Jumps to Top of VA Industry Sales Standings for 4Q12

From some of our sources we heard that Morningstar was to report final fourth-quarter 2012 variable annuity sales data today, and, if early indications prove correct, we think Jackson National took the No. 1 spot...

“What’s Working?” – Thoughts On the Industry As it Awaits Q4 Sales Data

In this report we’ll try to break from our usual preoccupation with product nuances to raise questions as to where the variable annuity business is headed. It’s clear that most insurers are moving beyond offering...

Thanks to De-Risking, Sales Were Down for Leading VA Insurers in Q4

By the end of last week we finished reviewing the fourth-quarter earnings reports of selected publicly-traded insurers we watch regularly, and we came away with the suspicion that variable annuity industry sales were probably down...

As Market Leaders Make De-Risking Moves, Other VA Players Follow Suit

Around the variable annuity business, the past few weeks have been characterized by a pattern of activity that goes like this: first, rumors start circulating about a given company making a de-risking change, only for...

Insurers Are Creating More Optionality Within Their VA Contracts, Riders

Due to the constant stream of product changes occurring around the industry, variable annuity insurers are finding they must make adjustments much quicker than ever before, in order to respond to market conditions and moves...

Thinking About Retrenchment – and Related Themes Affecting the VA Market

Variable annuity product filing has been a bit slow of late, so in this commentary we will take a step back and reflect on the subject of retrenchment within the industry, how most insurers are...

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...