Research & Reports
VA Contract Considerations – And Assorted Notes on Other Matters
We’ve been providing frequent commentary lately about guaranteed living benefits – which we think is warranted since they are so integral to the variable annuity sales story these days – however this week we’ll focus...
Ratcheting Rates – Insurers Develop GLWBs with Adjustable Withdrawals
The stream of variable annuity-related filings moving through the SEC has been speeding up of late, and a common theme we keep noticing is that insurers are building in new forms of flexibility to their...
New Coverage: Summaries of In-Force VA Lifetime Withdrawal Benefits
In this new table we have our summaries of all variable annuity GLWBs we have identified as still being for sale thus far in 2010; over time we will update it to capture changes that...
Variable Annuity Sales from 4Q09 Reveal Uneven Patterns in the Industry
After reviewing fourth quarter variable annuity results of stock-traded companies we regularly monitor, we found a familiar mixed result – a few insurers did well while most others saw deposits decline – reflecting how the...
Insurers Are Filing New VA Benefits Well Before the May Update Season
It’s common practice for variable annuity insurers to use the prospectus update season to bring out new products or enhance existing ones. Usually we don’t see major changes start cropping up until a month or...
“Five at 65” – Enhancements of Variable Annuity Riders Are Picking Up Again
Innovation permeates the very core of the variable annuity business; in fact we’ve come to expect near-constant creativity from actuaries and product development specialists. The rate of movement may have slowed compared with years past,...
Reviewing Variable Insurance Fund Filings from December, 2009
It’s once again time for us to check in on what’s been happening with variable insurance funds, and during December there wasn’t a great deal of filing activity with the SEC, but that’s normal for...
A Bit of a Disconnect? A Near-Term Outlook on VA Industry Results
When fourth quarter variable annuity sales results come out, we’re convinced they will reflect a lack of participation by the industry in the improving equity markets – much as was the case in the prior...
Sorting Through Notable Variable Annuity Product Developments
We continue to see an interesting mix of variable annuity contracts and features coming out, some following the trend towards the simpler and cheaper, others more fully loaded. Regardless of this diversity, we firmly believe...