Impaired Risk Underwriting and the Immediate Annuity Market

Ten years ago, seven carriers were active in the SPIA impaired risk market. Now, only one major participant remains. What happened?

What is the Future of Straight Through Processing?

As you read all the latest statistics in life insurance, annuities and long term care insurance from sources like LIMRA1, they all point to four key trends.

Report on Life and Annuity Living Benefit Riders: Considerations for Insurers and Reinsurers

The Reinsurance Section, Product Development Section and the Committee on Life Insurance Research announce the release of a new report that investigates life and annuity living benefit riders and their implications from both a direct writer and a reinsurer perspective

Life & Annuity Symposium Presentations (SOA)

Presentations from the Life & Annuity Symposium held May 4-5, 2015 in New York City are now posted at the SOA website.

The Retirement Challenge (LOMA Resource)

One of the most promising markets in the life insurance and annuity industry is the retirement market. It is top of mind in the C-suite, within government, and among both pre- and current retirees. At the heart of this business opportunity is the question of retirement security. What products and services can insurers offer to help their customers achieve it?

The Top 5 Priorities for Life Insurers in 2015

In coming years, expect to see more simplified and consumer-friendly products, including annuities tailored to young workers looking to build a nest egg. Life insurers’ back-office operations will also be better integrated, availing advisors of more cross-selling opportunities across product lines.

2015 Life Insurance and Annuity Industry Outlook (Deloitte)

In many ways, the life insurance and annuities industry is on more solid footing entering 2015 than it has been for quite some time. Economic growth is improving and the unemployment rate is steadily falling, which should create a more conducive environment for carriers to market their products and services.

But fundamental challenges — some new, some ongoing — are keeping industry executives on their toes.

2015 EY US Life-Annuity Insurance Outlook

Prospects are generally upbeat in 2015 for providers of life insurance and annuities in the US. Insurers can expect to build upon recent improvements in annuity sales, as credit rates continue to increase and customers return to simplified, tax-deferred products. Life insurance sales will benefit from rising levels of consumer confidence and personal wealth, both driven by the ongoing economic recovery and expectations for gradual increases in interest rates.

Modeling of Policyholder Behavior for Life Insurance and Annuity Products A Survey and Literature Review

The Financial Reporting Section and Committee on Life Insurance Research announce the release of a new report examining current practice around the development of policyholder behavior assumptions for life insurance and annuity products.

An Annuity Renaissance

Once scorned by the investing public, annuities of all types are gaining favor with advisors as an important piece in the retirement income puzzle.

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