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  • New presidents named at Life Happens, MDRT

    {September 20th, 2018} by Insurance Forums Staff

    A couple of high-profile life insurance industry organizations recently announced new presidents – with one long-time exec adding to her role and another beginning his one-year term. Here’s the rundown on both developments: Faisa Stafford promoted to president of Life Happens Life Happens recently announced the promotion of Faisa Stafford, shown at left, to president […]

    Life insurance disruptors planning to make news at InsureTech Connect

    {September 20th, 2018} by Brian Anderson

    Ladder, Haven Life and Atidot are among the life insurance companies planning to announce their latest innovations during the third annual InsureTech Connect (ITC) conference in Las Vegas on Oct. 2-3. The event, which will be held at the MGM Grand Las Vegas Hotel and Casino, will bring together more than 6,000 attendees and 250 […]

    Clerk-Specialist: Iowa Insurance Division

    {September 20th, 2018} by Iowa Insurance Division

    Clerk-Specialist Salary $32,406.40 – $47,590.40 Annually Location Des Moines – 50313 – Polk County, IA Job Type Full-time Agency 216 Iowa Department of Commerce Insurance Division Job Number 19-00430 Closing 9/23/2018 11:59 PM Central LinkedIn Tag #LI-DNP Point of Contact Andria Seip at andria.seip@iid.iowa.gov DESCRIPTION BENEFITS QUESTIONS Job Description The Iowa Insurance Division (IID) is […]

    Universal life insurance lawsuits underscore product risk

    {September 20th, 2018} by Greg Iacurci

    Lawsuits filed against insurers in recent years for their practices around universal life insurance policies highlight the risks these products can pose for unwary financial advisers and clients. Click HERE to read the full story via InvestmentNews; registration required.

    Life Insurance: The Unsung Hero

    {September 19th, 2018} by Matthew Purington

      Life insurance is the foundation of any sturdy financial plan. Before you can help your customers start tackling other goals, you should assure their loved ones are protected against the devastating costs associated with a sudden death. And while the death benefit is the most important feature of life insurance, a policy can offer […]

    Allianz Life Introduces New Excess Return Indexes

    {September 19th, 2018} by Allianz Life Insurance Company of North America

    MINNEAPOLIS, Minnesota, Sept. 18 — Allianz Life, a provider of retirement solutions, including fixed and variable annuities and life insurance for individuals, issued the following news release: To help offer clients the opportunity for a level of stability in rates and flexibility amid market volatility and changing short-term interest rates, Allianz Life Insurance Company of North America (Allianz Life(R)) […]

    Many Parents Who Want to Buy Life Insurance Freeze Up: SBLI

    {September 18th, 2018} by Allison Bell

    Many parents who want to buy life insurance, and probably could afford to pay for life insurance, fail to do so because they get stuck. Analysts at Savings Bank Mutual Life Insurance Company of Massachusetts (SBLI) talk about the life insurance shopper deer-in-the-headlights problem in a look at data from the company’s SBLI Self-Awareness Quiz. […]

    The Spanish Flu Centennial —1918 Flu Pandemic Hit Insurers Hard

    {September 18th, 2018} by Allison Bell

    Here is an article about the 1918 Spanish Flu pandemic that appeared on March 31, 1997, in an ALM print publication, the Centennial Issue of National Underwriter. “Almost all agents have had startling experiences during the last few months of soliciting people for insurance who in a few days were stricken with the ‘flu’ and […]

    The Spanish Flu Centennial — How the 1918 Flu Pandemic Affected Prudential Agents

    {September 18th, 2018} by Allison Bell

    Life insurance agents can help their customers in many ways. One thing they can do is protect a customer’s loved ones against some of the financial impact from the customer’s sudden death. Here’s how that worked during the peak of the 1918 Spanish Flu pandemic, which began attracting attention as Americans were celebrating the end […]

    A.M. Best Comments on Credit Ratings of Western & Southern Financial Group, Inc. Following Proposed Acquisition of Gerber Life Insurance Company

    {September 18th, 2018} by A.M. Best

    OLDWICK, N.J.–(BUSINESS WIRE)–A.M. Best has commented that the Long-Term Issuer Credit Rating (Long-Term ICR) of “a” of Western & Southern Financial Group, Inc. (WSFG) (Cincinnati, OH) is unchanged following the Sept. 17, 2018, announcement that WSFG has entered into an exclusive agreement under which it will acquire Gerber Life Insurance Company (White Plains, NY). The Long-Term […]

    We Need Help Growing Life Insurance Distribution: REPRINT #LIAM2018

    {September 18th, 2018} by Sheryl J. Moore

    Originally posted February 5, 2011 by Sheryl J. Moore Most of you know that I am passionate about indexed life insurance and indexed annuities. However, I am passionate about insurance products in general. In fact, one of the things that I am MOST passionate about is growing our distribution! Not so long ago, life insurance […]

    Educating consumers about financial services products: REPRINT #LIAM2018

    {September 18th, 2018} by Sheryl J. Moore

      Originally posted April 6th, 2011 by Sheryl J. Moore I wrote the following article so that your clients could have an important high-level overview of financial services. It was prompted by an exchange that I had with a fellow member of my credit union’s board of directors. I hope that this helps you, your business, […]

    A.M. Best Places Credit Ratings of Gerber Life Insurance Company Under Review With Positive Implications

    {September 18th, 2018} by A.M. Best

    OLDWICK, N.J.–(BUSINESS WIRE)–A.M. Best has placed under review with positive implications the Financial Strength Rating (FSR) of A (Excellent) and the Long-Term Issuer Credit Rating (Long-Term ICR) of “a” of Gerber Life Insurance Company (Gerber Life) (White Plains, NY), following an announcement of its sale to Western & Southern Financial Group, Inc. (WSFG). Gerber Life is […]

    Millennials & Financial Literacy

    {September 18th, 2018} by TIAA Institute

    NEW YORK, Sept. 12, 2018 /PRNewswire/ — A new report, released today by the TIAA Institute and the Global Financial Literacy Excellence Center (GFLEC) at the George Washington University School of Business, found there is a financial literacy gap among millennials. The report also found that while most millennials use their smartphones to manage their […]

    Women And Hispanics Among Those Most Worried About Financial Future

    {September 18th, 2018} by Cyril Tuohy

    Women, millennials, Hispanics and caregivers are most worried about their financial future, a new survey has found. Across all the demographic segments, the most important financial goal was to have enough savings to last through retirement. That was followed by having enough to pay for future health care expenses and keeping up with current expenses, […]

    Faisa Stafford Named President of Life Happens

    {September 18th, 2018} by Life Happens

    ARLINGTON, Va., Sept. 12, 2018 /PRNewswire/ — The nonprofit Life Happens is pleased to announce the promotion of Faisa Stafford to president of the organization, effective Jan. 1, 2019. Stafford, the current COO and CFO, will continue putting her talents to work by leading the only not-for-profit organization in the insurance industry that is dedicated to educating Americans about the […]

    Conning–Growing Affluent Market Opportunity for Life Insurers

    {September 18th, 2018} by Conning

    HARTFORD, Conn., Sept. 17, 2018 /PRNewswire/ — The recent very high rate of growth of the Affluent Market is a significant opportunity for life insurers, according to a new study by Conning. “Affluent households—those with more than $100,000 income—grew by 30 percent between 2012 and 2016,” said Mary Pat Campbell, a Vice President, Insurance Research at Conning. “While still the […]

    Life Insurance Activity Static In August

    {September 18th, 2018} by MIB Life Index

    Braintree, MA — U.S. life insurance application activity held its own in the dog days of summer, flat at -0.1% year-over-year, according to the MIB Life Index. Once again application activity ages 60+ outshined all other age groups—positive for four consecutive months and showing lesser declines in months where losses occurred. August results left the composite […]

    One-Third of Americans Don’t Have an Accurate Perception of Their Finances

    {September 18th, 2018} by Prudential Financial Wellness Census

    September 17, 2018 — NEWARK, N.J.–(BUSINESS WIRE)–One-third of Americans do not have an accurate handle on the state of their own finances, thinking they are either better or worse off than they actually are, finds new research released by Prudential Financial, Inc. (NYSE: PRU). The company’s first-ever Financial Wellness Census™ also reveals a nation almost evenly […]

    Nestle to sell Gerber Life Insurance unit for $1.55 billion

    {September 18th, 2018} by Soundarya J in Bengaluru; Editing by Anil D'Silva and Maju Samuel

    (Reuters) – Nestle (NESN.S) said on Monday it would sell its Gerber Life Insurance unit to Western and Southern Financial Group for $1.55 billion in cash, helping the company to focus on its core food and beverage and consumer health businesses. Nestle, which has been seeing slowing sales due to broader consumer shift toward healthy […]

    Western & Southern Agrees to Acquire Gerber Life From Nestlé

    {September 18th, 2018} by Allison Bell

    Western & Southern Financial Group has agreed to a $1.55 billion deal with Nestlé S.A. that could bring ownership of Gerber Life Insurance Company back to the United States for the first time since 1994. Western & Southern says the deal would include a long-term license to use Gerber Life intellectual property in connection with financial […]

    Prudential Names Lowrey Next CEO, and Falzon Vice Chair

    {September 18th, 2018} by Allison Bell

    The board of Prudential Financial Inc. has picked the head of its non-U.S. operations, rather than a manager of the U.S. operations, to be the company’s next leader. The company says Charles Lowrey will take over from John Strangfeld as the company’s chief executive officer Dec. 1, and as the company’s next chairman April 5, […]

    30 Life and Health Professionals Under 30: Part 1

    {September 18th, 2018} by Allison Bell

    We’re back with a new version of our annual “30 Under 30″ feature. In the past, we relied mainly on a nomination campaign to round up the 30 Under 30 candidates. This year, we tried a new approach: looking on our own for people under 30 who have been working as life agents, health agents, […]

    Why Annuity Guarantee Issuers Might Leak. Some

    {September 18th, 2018} by Allison Bell

    Economists are still trying to understand how, and why, issuers of life and annuity benefits guarantees might break in a crisis. Gabriel Chodorow-Reich, an economist at Harvard, and two colleagues, talk about life insurer failure problems in a new working paper posted earlier this month behind a paywall, on the website of the National Bureau […]

    Penn Mutual Life Insurance Company And M Financial Group Announce New Strategic Relationship

    {September 18th, 2018} by M Financial Group

    HORSHAM, Pa.–(BUSINESS WIRE)–The Penn Mutual Life Insurance Company (Penn Mutual) and M Financial Group (M Financial), a collaborative network of independent firms headquartered in Portland, Oregon, are pleased to announce a new specialty carrier relationship that will make Penn Mutual the primary provider of whole life insurance for M Financial. M Financial is one of […]

    Iowa Top Workplaces

    {September 18th, 2018} by The Des Moines Register

    The Des Moines Register has recognized 150 Companies and Organizations in Iowa as Top Workplaces for 2018. These companies have been recognized based solely on surveys about the workplace completed by their employees. Companies must have 35 or more employees to participate.  Congratulations to the Iowa companies in the Financial Services & Insurance Sector! Click […]

    AXA Equitable Life Names Aaron Sarfatti Chief Risk Officer

    {September 18th, 2018} by AXA Equitable Holdings, Inc.

    NEW YORK–(BUSINESS WIRE)–AXA Equitable Life, a unit of AXA Equitable Holdings, Inc. (NYSE: EQH), a leading financial services company, today announced the promotion of Aaron Sarfatti to Chief Risk Officer, effective October 1, 2018. He succeeds Jurgen Schwering, who after four years as Chief Risk Officer of AXA Equitable Life, has announced his intention to pursue new opportunities […]

    Danica Patrick has learned life lessons in the fast lane

    {September 18th, 2018} by Chris Taylor

    NEW YORK (Reuters) – If you ever wonder what it’s like to be a woman in a man’s world, just consult the planet’s leading authority on the matter: Danica Patrick. Racecar driving is a famously male-dominated arena, but that did not seem to unnerve Patrick as she developed into a champion racer and the most […]

    Jackson To Offer Annuities On Envestnet Insurance Exchange

    {September 18th, 2018} by Jackson National Life Insurance Company

    LANSING, Mich.–(BUSINESS WIRE)–Jackson National Life Insurance Company® (Jackson®) today announced that it will offer its complete product suite of advisory annuities on the Envestnet Insurance Exchange, including Perspective Advisory II, Elite Access Advisory and MarketProtector Advisory. The new collaboration brings together a leading provider of annuities in the U.S. with a leading provider of intelligent systems […]

    AIG Announces Reduced Rates for Select-a-Term Life Insurance

    {September 18th, 2018} by AIG

    Press Release AIG 175 Water Street New York, NY 10038 www.aig.com   Contact: Brent Connett (Media), 713-831-6414;brent.connett@aig.com   AIG Announces Reduced Rates for Select-a-Term Life Insurance During Life Insurance Awareness Month, protection gets even more affordable                 HOUSTON – September 18, 2018 – American International Group, Inc. (NYSE: AIG), a leader in the term life […]

    SEC advice rule contains a huge hole

    {September 18th, 2018} by Mark Schoeff Jr.

    The SEC’s new advice reform package contains a huge hole. While some brokers will be forbidden to use the title financial adviser or advisor, another few hundred thousand will still be able to do so.  Click HERE to read the full story via InvestmentNews; registration required.

    Fixed annuities are on a tear

    {September 18th, 2018} by Greg Iacurci

    Fixed annuities have been on a tear this year, with sales seeing double-digit growth across several product categories amid rising interest rates and easing regulatory pressure. Click HERE to read the full story via InvestmentNews; registration required.     At the close of 2015, right around the time the Fed began its shift from rock-bottom […]

    Once Upon a Time, 10 People Retired…

    {September 18th, 2018} by Allison Bell

    Jackson National Life Insurance Company is trying to use the power of storytelling to help prospects understand what retirement might be like, and why they have to plan for retirement. The Lansing, Michigan-based company has worked with Fred Siegel, a photographer, to create “Second Stories.” “Second Stories” is a photo essay about how 10 retired […]

    Group Blasts SEC’s Proposed Whistleblower Changes

    {September 18th, 2018} by Elizabeth Festa

    A major whistleblower advocacy group urged the Securities and Exchange Commission Monday to extend public comment period on the agency’s planned changes to its whistleblower program so that it can glean more information on what the group says are “radically anti-whistleblower” positions in the SEC’s plan that mirror U.S. Chamber of Commerce views. The comment period […]

    Lincoln Financial Group’s Lucy Gase Receives 2018 “Women Worth Watching” Award from Profiles in Diversity Journal

    {September 18th, 2018} by Lincoln Financial Group

    RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial Group (NYSE: LNC) announced today that Lucy Gase, recently named senior vice president, head of Administrative Services and Strategic Support Services, has been recognized by Profiles in Diversity Journal as one of their 2018 “Women Worth Watching.” The prestigious award is given annually to women who exemplify leadership, achievement and innovation. Gase was […]

    Athene Launches New “Game Changers” Campaign for Fall 2018

    {September 17th, 2018} by Athene Holding Ltd.

    PEMBROKE, Bermuda–(BUSINESS WIRE)–Sep 17, 2018–Athene Holding Ltd. (“Athene”) (NYSE: ATH), a leading provider of retirement savings products, announced its fall 2018 brand campaign today. “At Athene, we are ‘Driven to Do More’ in all aspects of our work, and this campaign reflects our commitment to that ethos,” said Rodney Branch, Chief Marketing Officer of Athene. […]

    Will Other Smaller VA Sellers Follow Ohio National?

    {September 17th, 2018} by Cyril Tuohy

    In the end, Ohio National just wasn’t big enough to prevail in the new variable annuity world, one that requires size and scale if VA books are to remain profitable. After years of shrinking sales, interest rates that are still low and intentional “derisking,” which has dulled the sheen of a once popular product, the […]

    That Very Bad Monday At Lehman Brothers

    {September 15th, 2018} by Cyril Tuohy

    Renilde Zug left her investment bank in Manhattan for a three-month paid maternity leave on June 27, 2008. Her firm was Lehman Brothers. Her return date was Sept. 15. That was the morning Lehman filed for the largest bankruptcy in Wall Street history, becoming one of the biggest institutions lost in the financial crisis that […]

    15 Most Competitive World Financial Hubs

    {September 14th, 2018} by Michael Fischer

    London got bumped out of the top spot on the 24th Global Financial Centers Index, published Wednesday by Z/Yen Partners and the China Development Institute, think tanks based in London and Shenzhen. London had reigned over the index since 2015, but uncertainty about the future shape of Brexit likely contributed to its come-down. Click HERE to read the […]

    Survey: Insurers Need To Get Digital With It

    {September 13th, 2018} by John Hilton

    Nearly one-quarter of respondents to a Deloitte Insights study would buy life insurance through digital channels. Yet, only 11 percent reported doing so. That gap might help explain why life insurance ownership is at a 50-year low. Deloitte surveyed more than 1,600 middle-market consumers on both their attitudes toward life insurance as well as their […]

    Prudential Financial Announces Leadership Succession Plan; CEO to Retire

    {September 13th, 2018} by David Pilla

    NEWARK, N.J. – Charles Lowrey will be the next chief executive officer of Prudential Financial Inc. as the company announced John Strangfeld will retire as CEO on Nov. 30. Lowrey will also become a member of the board of directors effective Dec. 1, Prudential said in a statement. Lowrey is currently executive vice president and […]

    Why Merrill Lynch Still Excludes Commission-Based Annuities from IRA Accounts

    {September 12th, 2018} by Alex Padalka

    Following a recent reversal on its prohibition of commission-based products in individual retirement accounts, Merrill Lynch nonetheless kept commission-based annuities out of IRA options, InvestmentNews writes. While some experts say the complex product necessitates more diligent care, not everyone agrees, according to the publication. Last month the wirehouse reversed its ban on commission-based products in IRAs. The ban had […]

    Merrill Lynch takes two avenues with annuity commissions

    {September 12th, 2018} by Greg Iacurci

    When Merrill Lynch recently decided to reverse its ban on commissions in individual retirement accounts, it did so for all products with one exception: annuities. Click HERE to read the full story via InvestmentNews; registration required.      However, not everyone is convinced by Merrill’s logic. “It doesn’t hold water with me,” said Sheryl Moore, […]

    Death of DOL Fiduciary Rule Is a Boon to Investment Cos.: Study

    {September 12th, 2018} by Melanie Waddell

    Editor’s note: This article first appeared in Human Capital, a newsletter by Washington Bureau Chief Melanie Waddell about the people who shape the financial regulatory space. While the industry is weighing in on — and in many cases still digesting — the Securities and Exchange Commission’s advice standards package, academics are reviewing the upside and […]

    3 Life Awareness Month Infographic Strategies

    {September 12th, 2018} by Allison Bell

    The current Life Insurance Awareness Month (LIAM) campaign creates an interesting natural experiment for agents and brokers: a chance to see how different market players respond, at roughly the same time, to the same marketing challenge. In this case, the challenge is: How to get consumers, employers and society as a whole to think more […]

    Americans Say Life Insurance Discounts Would Motivate Them to Stay Healthy

    {September 12th, 2018} by Global Atlantic Financial Group

    Survey: Majority of consumers likely to maintain weight level and get regular check-ups if offered premium discounts Millennials were more likely than older age groups; Individuals with household incomes of $50,000 per year or more would be more likely than those with lower incomes September 05, 2018 — DES MOINES, Iowa–(BUSINESS WIRE)–Insurance discounts can be a powerful […]

    Index Annuities Poised To Steal The Spotlight From Variable Annuities

    {September 12th, 2018} by Cyril Tuohy

    Sales of fast-growing index annuities could eat into the VA market’s recovery, a Morningstar analyst said recently. Regulatory relief and the Trump administration have provided a welcome tailwind for VA sales, which finally ended their long sales slide with a slight sales uptick in the second quarter. Click HERE to read the full story via […]

    United Life Launches New Product with Guarantees and Living Benefits

    {September 12th, 2018} by United Life Insurance Company

    United Life Insurance Company released a new life insurance product that provides guaranteed benefits, cash values and living benefits once approved. This type of financial planning tool is growing in popularity, as it transforms idle dollars into an increased financial legacy that is paid to beneficiaries on a tax-free basis at the time of the […]

    Life insurance is not for saving: BLOG

    {September 11th, 2018} by Blair duQuesnay

    Stop buying life insurance as a savings strategy. Stop buying it as a tax-deferral vehicle for retirement savings. Stop spending thousands of dollars a month on life insurance premiums, at least until you read the rest of this column. Click HERE to read the full story via InvestmentNews; registration required.

    Variable Annuities Are Neglected Assets

    {September 11th, 2018} by Milind M. Lee

    In the scramble for new business, too many advisors and broker/dealers are ignoring a giant asset right in their backyard: their portfolio of variable annuity (VA) contracts. A successful advisor who made 20 to 30 VA sales over the past decade will have a portfolio of 150 to 300 contracts and could generate $20,000+ a year […]

    The 5 States Where Death Is Most Unfair

    {September 11th, 2018} by Allison Bell

    The federal Centers for Disease Control and Prevention (CDC) has just published a batch of data that will keep annuity actuaries busy for months: estimates of life expectancy for U.S. census tracts. Analysts at the CDC’s National Center for Health Statistics based the report on data collected from 2010 through 2015. The report includes data from […]


    {September 11th, 2018} by NCOIL

    Manasquan, NJ – NCOIL highlights September as Life Insurance Awareness Month. This campaign takes place each September to highlight the importance of life insurance and the role it plays in protecting financial security in the event of a family tragedy.   “As legislators, it is our primary responsibility that we work to protect consumers, and […]

    Ohio National exits annuity market, shifts to exclusive focus on life and disability income lines

    {September 11th, 2018} by Brian Anderson

    Ohio National Financial Services will exclusively focus on growing its life and disability income insurance product lines going forward, deciding to exit the annuity business and significantly reduce its workforce in the process. The decision, announced Sept. 6, follows a comprehensive strategic review of Cincinnati-based Ohio National’s businesses, taking into account the continuously changing regulatory […]

    Lincoln Financial Group Partners with Market Synergy Group to Launch Lincoln Retirement Safeguard

    {September 11th, 2018} by Lincoln Financial Group

    RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial Group (NYSE: LNC) announced today a new partnership with Market Synergy Group – a company that specializes in annuity product design – to launch the Lincoln Retirement SafeguardSM fixed indexed annuity. Lincoln Retirement SafeguardSM is a proprietary solution designed to help consumers protect what they’ve accumulated and grow their income to help satisfy their financial […]

    Ladenburg buys insurance distributor for $7.2M, Securities America adds OSJ

    {September 11th, 2018} by Tobias Salinger

    Ladenburg Thalmann’s annuity distribution unit acquired a new division, best known for fixed-index products and its selling agreements covering 3,000 financial advisors. The firm’s founding family sold its insurance distribution company but held on to its office of supervisory jurisdiction under Ladenburg’s Securities America. The parent firm of five independent broker-dealers agreed to buy certain […]

    September 11 and Life Insurance Awareness Month

    {September 11th, 2018} by Allison Bell

    Today is the 17th anniversary of the terrorist attacks on the World Trade Center in New York, and on the Pentagon in Washington, D.C. It’s also Life Insurance Awareness Month. One way to observe the day is to reflect solemnly on what happened during the attacks, and on ideas to prevent anything like that from […]

    Symetra Completes Reinsurance Transaction with Resolution Re

    {September 11th, 2018} by Symetra Life Insurance Company

    BELLEVUE, Wash.–(BUSINESS WIRE)–Symetra Life Insurance Company announced today that it has entered into a reinsurance agreement with Resolution Re that transfers financial responsibility for all of Symetra’s structured settlement annuity contracts and a smaller block of income annuities to Resolution Re. The reinsured block had $5.7 billion in total statutory reserves at Dec. 31, 2017. […]


    {September 11th, 2018} by Sheryl J. Moore

    The following article is a reprint, originally written July 15, 2013 by Sheryl J. Moore: Throughout the past [20] years of working with universal life (UL) products, one comment in particular has been overheard far too often: “…fund this UL at [X percent] over target.” This comment is especially popular in the indexed life market, […]

    Lincoln Financial Adds Indexed Annuity

    {September 11th, 2018} by Allison Bell

    Lincoln Financial Group has teamed up with Market Synergy Group to introduce a new indexed annuity, the Lincoln Retirement Safeguard contract. Lincoln Financial’s Lincoln National Life Insurance Company unit will write the annuity. Market Synergy — an annuity design firm based in Topeka, Kansas — designed the annuity, and Lincoln Financial will offer the annuity through independent […]

    Should You Go For Riders In Life Insurance?

    {September 11th, 2018} by Justin Weinger

    The benefits of buying a life insurance policy are not unknown. The life insurance policy offers protection to your family when you are not there. There are also many life insurance policies that you can buy for investment purposes along with life cover. A life insurance is a necessity for those who have dependent like old parents, […]

    Surviving 9/11: How advisors have helped clients impacted by tragedy

    {September 11th, 2018} by Amanda Schiavo

    The emotional loss after the unprecedented terror attacks of 9/11, 17 years ago Tuesday, was unlike anything experienced by this generation of Americans. There was an outpouring of financial support after 2,753 people were killed in New York, 184 in Washington and 40 in Pennsylvania, and funds sprang up to help support the victims and […]

    The struggle is real: Why our profession needs next-gen talent now

    {September 10th, 2018} by Ron Carson

    The ground is shifting beneath our feet. The problem is, we look down to see the ground cracking while remaining completely oblivious to what’s overhead: A new atmosphere. A changed environment. An unrecognizable future. Click HERE to read the full story via InvestmentNews; registration required.

    Kitces: Why it pays to specialize

    {September 10th, 2018} by Michael Kitces

    Finding ways to differentiate yourself amid a sea of people who call themselves advisors has never been easy. For newer advisors trying to get noticed within their firms — and get opportunities for client face time — the problem feels particularly acute. That’s why, more than ever, niches and mini-specializations are becoming effective differentiation tools. […]

    The Top 10 Life Insurance YouTube Videos of the Year

    {September 10th, 2018} by Allison Bell

    As of Aug. 17, one YouTube video posted in 2018, Nicky Jam’s X, had already attracted 1.2 billion views. The 10 most-watched YouTube life insurance videos posted within the past year have attracted a combined total of just 64 million views. But life insurers, financial advisory firms, financial services shopping sites are out there fighting the good fight, […]

    AAA: Third of Georgians without life insurance

    {September 9th, 2018} by Albany Herald

    Sept. 08–ATLANTA — Most people do not like to think about their mortality, but in order to have a more secure financial future for their families, having a plan in place for the inevitable is essential. According to a recent AAA Consumer Pulse survey, just under one-third (32 percent) of Georgia residents do not have a life insurance policy. “Life […]

    Ohio National, a big variable annuity provider, exits the annuity business

    {September 8th, 2018} by Greg Iacurci

    Ohio National Financial Services Inc., among the top 20 sellers of variable annuities, is quitting the annuity business and is simultaneously laying off 300 employees, signaling the challenges of the variable annuity market in recent years. Click HERE to read the full story via InvestmentNews; registration required. 

    Life Insurance And The Familial Risk

    {September 8th, 2018} by Unum Group

    CHATTANOOGA, Tenn. (Sept. 4, 2018) — Employee benefits provider Unum (NYSE: UNM) finds that nearly half (45 percent) of 25-34-year-olds reported feeling stressed or worried when thinking about life insurance, compared to just 29 percent of those 35-49. Women were significantly more anxiety-ridden about life insurance, with 37 percent reporting feeling stressed or worried compared […]

    Competitors In Line To Profit From Ohio National Dropping Annuities

    {September 8th, 2018} by Cyril Tuohy

    Several competitors stand to gain from Ohio National’s sudden decision to leave the annuity and retirement plans markets, one analyst said Thursday. The Cincinnati-based company will stop accepting all annuity applications and applications for 401(k) and 403(b) retirement plans beginning Sept. 15. “While we are no longer selling new annuities or retirement plans, we will continue to […]

    NAIC Sets Meeting To Finalize Best Interest Rule For Annuities

    {September 8th, 2018} by John Hilton

    A National Association of Insurance Commissioners’ working group will meet next month in Chicago for two days in hopes of finalizing a best-interest standard for annuity sales. The Annuity Suitability Working Group plans a repeat of its May 31-June 1 meeting in Kansas City, this time Oct. 22-23 in the windy city. Meeting for a […]

    Ladenburg Adds Kestler Annuity Business

    {September 7th, 2018} by Janet Levaux

    Ladenburg Thalmann — which owns Securities America and four other independent advisor broker-dealers — says its annuity unit has acquired assets and the brand of Kestler Financial Group’s insurance distribution business. The firm expects the deal to benefit both Ladenburg Thalmann Annuity Insurance Services and sister firm Highland C apital Brokerage. Kestler has selling agreements […]

    A-CAP and Saybrus Partners Launch New Thematic Indexed Annuity Based on the Goldman Sachs Motif Aging of America Dynamic Balance Index

    {September 7th, 2018} by A-CAP and Saybrus Partners

    NEW YORK–(BUSINESS WIRE)–A-CAP and Saybrus Partners today announced the launch of Retirement Plus Multiplier Annuity, a single premium fixed indexed annuity. The annuity is the latest addition to a wide breadth of products issued by two of A-CAP’s insurance subsidiaries, Sentinel Security Life Insurance Company and Atlantic Coast Life Insurance Company. The product is available […]

    Prudential launches consumer-direct insurance, investing service

    {September 6th, 2018} by Reuters Contributor

    September 6, 2018 Prudential Financial Inc is going straight to consumers with its insurance and investment products for the first time in its 143-year history, a move that follows rivals and startups which are already well established in the field. The direct-to-consumer service marks a sea change for Newark, New Jersey-based Prudential, the largest U.S. […]

    Debt, Life Insurance And The Age/Gender Gap

    {September 6th, 2018} by Unum Group

    September 04, 2018 — CHATTANOOGA, Tenn. (Sept. 4, 2018) — Employee benefits provider Unum (NYSE: UNM) finds that nearly half (45 percent) of 25-34-year-olds reported feeling stressed or worried when thinking about life insurance, compared to just 29 percent of those 35-49. Women were significantly more anxiety-ridden about life insurance, with 37 percent reporting feeling […]

    Ohio National makes huge strategy shift, cuts hundreds of jobs

    {September 6th, 2018} by Steve Watkins

    Ohio National Financial Services is making one of the biggest strategic shifts in its history to focus on its strongest areas of life and disability income insurance while dropping new business in other segments and cutting hundreds of jobs. Montgomery-based Ohio National is in turn opting to quit taking applications for annuities or new retirement […]

    Ohio National announces plan to exclusively focus on life and disability income insurance businesses to drive long-term growth

    {September 6th, 2018} by The Ohio National

    Cincinnati — Decision follows comprehensive strategic review of changing market conditions, growth opportunities and competitive strengths Will no longer issue annuities or offer new retirement plans, while continuing to service and support existing clients in both businesses Increased organizational agility and laser-focused business mix enables greater long-term financial flexibility to invest in growth opportunities Ohio […]


    {September 6th, 2018} by Ladenburg Thalmann Financial Services Inc

    Acquisition Reinforces LTAIS’ Efforts to Align Annuity Solutions with Independent Firms and Advisors Across the Country   Birmingham, AL – September 5, 2018 – Ladenburg Thalmann Financial Services Inc. (NYSE American: LTS, LTSL, LTS PrA, LTSF, LTSK) (“Ladenburg”), a publicly-traded, diversified financial services company, announced today that its Ladenburg Thalmann Annuity Insurance Services LLC (“LTAIS”) […]

    One Type of Individual Life Policy Escaped the Spring Sales Blahs

    {September 6th, 2018} by Allison Bell

    Insurers have reported dull U.S. individual life sales in the second quarter, but sales of indexed universal life (IUL) policies sparkled. Insurers have also reported solid growth in the number of variable universal life (VUL) policies sold, but the average amount of annualized premiums per new VUL policy sold fell about 5%. LIMRA has published one […]

    The 3 Major Changes In Trump’s Retirement Executive Order

    {September 6th, 2018} by Matt Carey

    Saving for and spending in retirement is difficult and not every employee has access through their employer. But it might be about to get just a little bit easier and access may expand. Last Friday, President Trump signed an executive order that spurs the Department of Labor and the Department of Treasury to push forward several bipartisan […]

    LIAM 2018: #TakeThePledge and more resources to promote awareness

    {September 6th, 2018} by Brian Anderson

    Industry nonprofit Life Happens, the official sponsor of Life Insurance Awareness Month, is asking people to #TakeThePledge this September to put loved ones first on life’s journey. The journey to financial fitness means different things to different people. And that’s the way it should be, Life Happens says. But it can also seem overwhelming, looking down the […]

    State Raising Awareness of Unclaimed Life Insurance Money in Tennessee

    {September 6th, 2018} by Jason Lamb

    NASHVILLE, Tenn. – Could you be owed your part of more than $7 million in Tennessee? It’s money that’s there for the taking, meant to help family members move on after a loved ones death, but in many cases it just sits there — forgotten.  Click HERE to read the full story via NewsChannel5

    Montgomery’s Ohio National cuts 300 jobs in strategy shift

    {September 5th, 2018} by Dan Monk

    MONTGOMERY, Ohio – Ohio National Financial Services Inc. is eliminating 300 jobs as it exits the annuity and retirement business. Starting Sept. 15, the company said it will focus on life and disability insurance, after a strategic review determined those product lines offered better growth prospects for the company going forward. In addition to focusing on its […]

    SEC Is Back at Full Strength With Five Members

    {September 5th, 2018} by Dave Michaels

    WASHINGTON—The Senate confirmed Elad Roisman to join the Securities and Exchange Commission, giving the regulator a fifth and final member as it prepares to impose restrictions on stockbroker advice while loosening the reins on some public companies. Mr. Roisman, 37 years old, will join the SEC after working for several years on the Senate Banking […]


    {September 5th, 2018} by Wink's RockStars

    Wink’s LifeSpecs analysis tool provides an up-to-date view of the of the indexed universal life, indexed whole life, traditional universal life, traditional whole life, and interest-sensitive whole life being launched and retired on a monthly basis so you can quickly view trends in product development. LifeSpecs’ What’s New section will default to the last three […]


    {September 5th, 2018} by Wink's RockStars

    Wink’s AnnuitySpecs analysis provides an up-to-date view of the of the traditional fixed, multi‐year guaranteed, indexed, structured, and variable annuities being launched and retired on a monthly basis so you can quickly view trends in product development. The AnnuitySpecs display will default to the last three months and one can view historical data in quarterly […]

    I Give a Damn About Life Insurance – You Should Too! REPRINT FOR LIAM 2018

    {September 5th, 2018} by Sheryl J. Moore

    Starting out in the insurance industry 20 years ago, there was one thing that I learned quickly and that was life insurance was a necessity. Life insurance guards against the risk of dying unexpectedly. And let’s face it – we’re all going to die. For that reason alone, I thought that I should purchase life […]

    Danica Patrick Returns as Life Insurance Awareness Month Spokesperson

    {September 4th, 2018} by Allison Bell

    Danica Patrick — the most successful female driver in the history of racing — is returning this month as the spokesperson for the Life Insurance Awareness Month campaign. Life Happens will be offering awareness campaign materials featuring Patrick on its website through the end of the year, as it promotes a new “financial journey” theme. Patrick […]

    LIAM 2018: New survey finds most life insurance owners are optimists

    {September 4th, 2018} by Brian Anderson

    New consumer research insights from American International Group, Inc. (AIG) released in late August reveal that 56% of life insurance owners are optimists, while only 48% of people who don’t have life insurance are optimists. AIG also found that only 53% of U.S. consumers ages 21-64 own life insurance. For purposes of the research, optimists […]

    2Q Indexed Life Sales Rocket To Near Record Highs

    {September 4th, 2018} by INN Exclusives

    “This was the second-highest quarter ever for indexed life insurance sales,” said Sheryl J. Moore, president and CEO of both Moore Market Intelligence and Wink, Inc. “If you thought the close of last year’s sales were impressive, you need to see the products that are being sold today— they are definitely going to drive us […]

    Nationwide® No-Lapse Guarantee Universal Life (UL) II Now Provides Optional Return of Premium

    {September 4th, 2018} by Nationwide

    COLUMBUS, Ohio –Advisors looking for flexible life insurance products that offer clients affordable, guaranteed protection that can be customized to meet their specific needs now have more options. Nationwide announced today that Nationwide® No-Lapse Guarantee Universal Life (UL) II, a universal life product, now provides an optional return of premium feature that allows clients an […]

    Demand for life insurance outpaces supply

    {September 4th, 2018} by Scott Wooldridge

    A new survey finds that employees are interested in buying life insurance as a voluntary benefit, but many don’t—because their employers don’t offer it. The survey, conducted online by The Harris Poll on behalf of insurance group OneAmerica, polled more than 2,000 U.S. adults 18 years or older, among whom more than 1,000 are employed […]

    How to Help Prospects ‘Get’ Life Insurance

    {September 4th, 2018} by Jerry Cohen

    Here’s an article to help you get in the right frame of mind for Life Insurance Awareness Month. For many people who write life insurance, the task is not that easy. The way I see it, we’re up against at least four big obstacles: People would prefer not to think about their own demise. They […]

    Marvin Feldman Needs You: Life Insurance Awareness Month

    {September 4th, 2018} by Allison Bell

    Marvin Feldman, president of Life Happens, is back with the 16th annual Life Insurance Awareness Month campaign, and he needs your help. Interest rates may be rising but are still low. Pressure on life insures is high. And tens of millions of Americans still need help with getting their finances in order, including help with […]

    Trump Executive Order Leaves Life Insurers Hungry for More

    {September 4th, 2018} by Allison Bell

    Life insurers are welcoming President Donald Trump’s new retirement security executive order — and hoping Congress will follow up by passing S. 2526, the Retirement Enhancement and Savings Act (RESA) bill. S. 2526 includes a fiduciary safe harbor provision that could help life insurers increase sales of savings annuitization products to retirement plan participants. Susan Greenwell, a […]

    Global Atlantic Updates Its Indexed Annuities

    {September 4th, 2018} by Allison Bell

    Global Atlantic Financial Group Ltd. says it has updated its indexed annuity products. The company writes the annuities through its Forethought Life Insurance Company subsidiary. Click HERE to read the original story via ThinkAdvisor. One change could help a holder with health problems pull income from an annuity more easily, Global Atlantic says. Global Atlantic […]

    Getting the Good Leads can be Harder for Women FAs … Here’s Why

    {September 4th, 2018} by Garrett Keyes

    Discrimination against minority advisors — whether by race, gender or any other delineation — can take a variety of forms, many lawyers argue. But while certain discriminatory actions may be perfectly obvious, some are harder to identify than others, says at least one advocate of equal protections for all advisors. Plaintiff lawyer Lawrence Schaefer of Schaefer Halleen specializes in […]

    Ken Fisher, famous annuity hater, invested in annuity companies

    {September 4th, 2018} by Greg Iacurci

    Mr. Fisher’s company formerly held tens of millions of dollars in the stock of major companies selling indexed and variable annuities   Ken Fisher, founder and executive chairman of Fisher Investments, has been an ardent critic of annuities for years.  Click HERE to read the full story via InvestmentNews; registration required.    “Does he really […]

    Global Atlantic Helps Combat Growing Retirement Challenges with Revamped Annuity Suite

    {September 4th, 2018} by Global Atlantic Financial Group

    INDIANAPOLIS–(BUSINESS WIRE)–Global Atlantic Financial Group has overhauled its entire suite of fixed index annuities, enhancing both income and death benefit options for those planning for retirement. Options offer guaranteed growth of benefits and are immune to market volatility. “Our new annuity products offer benefits that support our continued focus on strategies to help customers save for […]

    Become a part of the WEFI family!

    {September 2nd, 2018} by Leticia Santiago

    Simi Valley, California — Life & Annuity Masters (LAAM), a national insurance marketing organization, has launched the organization Women Empowering Financial Independence (WEFI). WEFI, a nationwide, woman-owned and operated organization based in Simi Valley, California, is dedicated exclusively to helping women succeed in the insurance and financial services industry. Reinventing the way, the insurance and […]

    Big I New York Has ‘Concerns’ With State’s Best Interest Reg

    {September 1st, 2018} by The Business Journal, Central New York

    The group that describes itself as the state’s largest insurance-producer trade association says it stih has “concerns” about the state’s final regulation of a standard for those selling life insurance and annuity products in New York. DeWitt-based Big I New York on July 19 reacted to the New York State Department of Financial Services (DFS) […]

    The Retirement Planning Challenges In Age-Gap Relationships

    {September 1st, 2018} by Forbes Contributor

    Bogie and Bacall, Michael Douglas and Catherine Zeta-Jones, Robin Wright and Clement Giraudet – A list actors with one other thing in common: they are all in age-gap marriages. In fact, Zeta-Jones set Instagram trending recently with a picture of the moment she met her husband Michael Douglas at the Deauville Film Festival. In the […]

    Broker-Dealer Runners Up Talk Future Developments

    {August 31st, 2018} by Ginger Szala

    The eight runners up in the 2018 Investment Advisor Broker-Dealer of the Year awards are being honored for their overall excellence in serving their advisors, who rated them extremely high in the latest poll, which had over 1,400 participants. The BDs being recognized this year as runners up are: Lion Street Financial, Peak Brokerage, The Investment Center, […]

    Pacific Life Eyes Higher Productivity With Advisor Alerts

    {August 31st, 2018} by Cyril Tuohy

    For Pacific Life advisors, communication with clients about their annuity contracts has moved from days to minutes. A new service by Pacific Life’s Retirement Solutions Division will alert advisors to customer account activity – new contract issuance, additional investments, distributions, contract information changes and claims – within 15 minutes via text or email, the company […]

    A.M. Best Affirms Credit Ratings of Sagicor Financial Corporation Ltd and Rated Subs; Upgrades ICR of Sagicor Life Jamaica Ltd

    {August 31st, 2018} by A.M. Best

    Oldwick – A.M. Best has affirmed the Financial Strength Rating (FSR) of A- (Excellent) and the Long-Term Issuer Credit Rating (Long-Term ICR) of “a-” of the following subsidiaries of Sagicor Financial Corporation Limited (SFC) (Bermuda): Sagicor Life Inc. (St. Michael, Barbados) and Sagicor Life Insurance Company (Austin, TX). Concurrently, A.M. Best has affirmed the Long-Term ICR of […]

    Merrill Lynch Does About-Face on Commission Ban

    {August 31st, 2018} by Alex Padalka

    Less than two years after Merrill Lynch decided to ban commission-based individual retirement accounts — and less than two months after the official death of the Department of Labor’s fiduciary rule, which had been the impetus for the ban — the wirehouse has reversed course, FA-IQ sister publication FundFire reports. Starting Oct. 1, Merrill Lynch’s advisors will be able […]

    Chubb Limited: Educating Consumers During Life Insurance Awareness Month

    {August 31st, 2018} by Combined Insurance

    CHICAGO, Aug. 31, 2018/PRNewswire / — September is Life Insurance Awareness Month-a month designated to helping consumers understand the importance of life insurance, coordinated by the non-profit organization Life Happens. Combined Insurance, a leading provider of individual supplemental accident, disability, health and life insurance products and a Chubb company, joins these efforts to help educate consumers at all stages […]

    Life Distribution Has to Change: William Shelow Life Insurance Awareness Month

    {August 31st, 2018} by Allison Bell

    Life Insurance Awareness Month starts Sept. 1, and William Shelow is heading into that month with a feeling that the life industry needs to do more to get people covered. “We’ve had declining policy counts for a number of years,” Shelow said in a recent interview. “We know there’s a huge coverage gap there.” Shelow […]

    Life insurance policy locator helps Arkansans find $3.69 million, official says

    {August 30th, 2018} by Arkansas Insurance

    LITTLE ROCK – Arkansas Insurance Commissioner Allen Kerr announced that $3.69 million has been found for Arkansans using the Life Insurance Policy Locator, a program of the Arkansas Insurance Department (AID) and the National Association of Insurance Commissioners (NAIC.) “Thanks to our partnership with the NAIC on developing the Life Insurance Policy Locator, the Arkansas […]

    InsurTech Week 2018 Accelerates Engagement Between Invited Startups and GIA Network

    {August 30th, 2018} by The Global Insurance Accelerator

    For immediate release  For more information:  Jennifer Overhulse  Phone: (859) 803-6597  Email: jen@stnickmedia.com  InsurTech Week 2018 Accelerates Engagement Between Invited Startups and GIA Network DES MOINES, IA, August 30, 2018 – The Global Insurance Accelerator (GIA), the world’s first InsurTech accelerator focused solely on innovation for the insurance industry, is pleased to announce the agenda for InsurTech Week 2018, […]

    Fiduciary rule worth more dead than alive – Carosa

    {August 30th, 2018} by Christopher Carosa

    You can’t win, Darth. If you strike me down, I shall become more powerful than you can possibly imagine.” Could it be that the DOL’s now-vacated fiduciary rule is the Obi-Wan Kenobi of the great battle for the fiduciary standard? And, if so, who earns the role of Darth Vader? One thing is clear, like Obi-Wan Kenobi […]

    The 2018 Women in Insurance Leadership

    {August 29th, 2018} by Nathan Golia

    For more than a decade, Digital Insurance has recognized the most dynamic, innovative female leaders in the insurance industry, across all lines of business. This year’s class is no different. Awards will be presented during our 10th annual Women in Insurance Leadership conference, which is Oct. 29 and 30 in Chicago. (Click here to register). Also, longer […]

    Time to challenge the status quo in insurance

    {August 29th, 2018} by Bethan Moorcraft

    Challenging the status quo in insurance is like ‘turning a giant ship’ – it requires patience, skill, and determination.  It means stepping outside of your comfort zone and being prepared to go against the tide. Flyreel cofounder and COO Laurie Kuhn has been an agent of change her whole life. She recently joined the insurance industry from a […]

    Venerable Names Vice President of Procurement and Facilities

    {August 29th, 2018} by Venerable

    DES MOINES, Iowa, Aug. 28, 2018 /PRNewswire/ — Venerable today announced the appointment of Jamie Ness as Vice President of Procurement and Facilities. Reporting to Ken Brown, Chief Operations Officer, Ness will oversee all Procurement and Facilities activities for the organization. Ness has extensive experience in the procurement and financial services space. Prior to joining Venerable, she led procurement efforts […]

    Global Indexed and Whole Juvenile Life Insurance Market by Type, Stage, End-User

    {August 29th, 2018} by MarketResearchNest.com

    MarketResearchNest.com adds “Global Indexed and Whole Juvenile Life Insurance Market Size, Status and Forecast 2018-2025” new report to its research database. The report spread across 100 pages with multiple tables and figures in it. This report focuses on the global Indexed and Whole Juvenile Life Insurance status, future forecast, growth opportunity, key market and key players. The […]

    54% of Americans Own a Life Insurance Policy, But One-Third Not Exactly Sure How It Works

    {August 29th, 2018} by LendEDU

    August 28, 2018 — No one expects or desires an apartment fire, but renters insurance is nice to have at such a moment. Car crashes are quite unpleasant, but if you happen to be involved in one, having collision coverage as part of your auto insurance policy is useful. But when it comes to life’s big inevitable […]

    Industry Expert: It’s Time Advisors Took a Look at Insurance Products

    {August 29th, 2018} by Rich Blake

    Since the dawn of the Caveman commercials, the experience of purchasing care insurance has been recast as pretty much painless.  Although relatively more complicated and potentially more sticker-shock inducing, buying health insurance is not exactly impossible to navigate once you get the basics down. Indeed, Obamacare was created not only to make healthcare coverage more […]

    Myth: Life insurance is not taxable

    {August 29th, 2018} by Lee Conrad

      Myth: Life insurance is not taxable Although proceeds from life insurance are not subject to income tax, the IRS will impose estate tax when the policy owners die and the assets are transferred to the beneficiaries, writes an expert on Kiplinger. To avoid this, clients should consider an irrevocable life insurance trust and name it as the […]

    The Way Forward in Lifetime Income Options

    {August 29th, 2018} by Melanie Waddell

    At a mid-August meeting of the Labor Department’s ERISA Advisory Council, industry officals met in Washington to discuss how to boost plan sponsors’ use of lifetime income options in retirement plans. Fred Reish, partner at Drinker Biddle & Reath, recommended in his testimony that the Advisory Council “focus on enabling a wide range of solutions […]

    Reinsurers Have Traded $60 Billion in Longevity Risk: Rating Agency

    {August 29th, 2018} by Allison Bell

    The world’s life reinsurers have already traded large amounts of lifespan uncertainty risk through “longevity swaps,’ and the size of the longevity swaps market is likely to continue to grow. A team at S&P Global led by Sebastian Dany talks about the rise of longevity swaps in a new review of the world’s life reinsurance […]

    AnnuitySpecs Awesomeness

    {August 29th, 2018} by Wink's RockStars

    Can you believe it has almost been two months since we introduced the new AnnuitySpecs site?! One month after launch we had already made additional awesome updates to the site and will have even more coming in September. First, let’s recap this month’s updates.   At launch, we underestimated how much the insurance realm loves Internet […]

    Lincoln Steers Annuity Distribution Into IMO Channel With New Deal

    {August 28th, 2018} by Cyril Tuohy

    A distribution deal between Lincoln Financial and a Georgia-based independent marketing organization (IMO) to exclusively market a new index annuity is the latest sign of the insurer’s push into the channel. Click HERE to read the full story via INN; subscription required. …………………………………………………………………………………………………. As of the fourth quarter last year, 31.7 percent of all index […]

    Wink, Inc. Releases Second Quarter, 2018 Life Sales Results

    {August 28th, 2018} by Press Release

    — FOR IMMEDIATE DISTRIBUTION — NEWS RELEASE   INDEXED LIFE SALES AT NEAR-RECORD LEVELS Wink, Inc. Releases Second Quarter, 2018 Life Sales Results   Des Moines, Iowa. August 28, 2018– Wink, Inc. released second quarter, 2018 life sales results in its 84th edition of Wink’s Sales & Market Report. Wink’s Sales & Market Report, the […]


    {August 28th, 2018} by Sheryl J. Moore

    Indexed Life Sales for the second quarter of 2018 were $552 million, compared with sales of $485 million for the second quarter of 2017. Second quarter indexed life sales were up nearly 14% when compared with the previous quarter, and up nearly 14% as compared to the same period last year as well. Total 2Q2018 […]

    Best’s Special Report: Preliminary First-Half 2018 Results Show 13% Net Income Drop for U.S. Life/Annuity Industr

    {August 28th, 2018} by A.M. Best

    OLDWICK, N.J.–(BUSINESS WIRE)–Net income in the U.S. life/annuity industry dropped nearly 13% in first-half 2018, which along with an increase in stockholder dividend payments, drove industry capital and surplus down by 1.8% compared with the prior year end. This financial review is detailed in a new Best’s Special Report, titled, “A.M. Best First Look—First Half 2018 […]

    Pacific Life Insurance Company Offers New Specialized Service for Death Claim Beneficiaries

    {August 28th, 2018} by Pacific Life Insurance Company

    NEWPORT BEACH, Calif.–(BUSINESS WIRE)–Beneficiaries of annuity policies often face a myriad of complex financial decisions. In order to best assist and support beneficiaries during this challenging time, the Retirement Solutions Division at Pacific Life has launched a newly created specialized service, called Beneficiary Services, that aims to help beneficiaries during their time of grief, educate […]

    AIG Finds that 56 Percent of Life Insurance Owners are Optimists

    {August 28th, 2018} by American International Group, Inc.

    HOUSTON–(BUSINESS WIRE)–New consumer research insights from American International Group, Inc. (NYSE: AIG) reveal that 56 percent of life insurance owners are optimists, while only 48 percent of people who don’t have life insurance are optimists. AIG also found that only 53 percent of U.S. consumers ages 21-64 own life insurance. For purposes of the research, […]

    A secondary market for life insurance using blockchain

    {August 28th, 2018} by Nicky Morris

    Many policyholders are unaware that they can sell their life policies. Depending on location, secondary markets currently are at best opaque and obscure and at worst non-existent. Singapore-based startup fidentiaX plans to change that. The demand Seniors often wish to exit their life insurance commitments for various reasons. They may need the money for care or medical […]

    Industry Expert Publishes White Paper Highlighting Effective Retirement Asset Protection Using Great American Life’s Fee-Based Annuity

    {August 28th, 2018} by Great American Insurance Group

    CINCINNATI–(BUSINESS WIRE)–Great American Life’s Index Protector 7SM was the first fee-based fixed-indexed annuity to hit the market in 2016. And now, it’s getting the attention of industry expert Dr. Wade Pfau, Ph.D., CFA and professor of retirement income. Dr. Pfau recently published a white paper that explores the risks of traditional fixed-income investments and sheds light […]

    The Way Forward in Lifetime Income Options

    {August 28th, 2018} by Melanie Waddell

    At a mid-August meeting of the Labor Department’s ERISA Advisory Council, industry officals met in Washington to discuss how to boost plan sponsors’ use of lifetime income options in retirement plans. Fred Reish, partner at Drinker Biddle & Reath, recommended in his testimony that the Advisory Council “focus on enabling a wide range of solutions […]

    Do Titles Matter?

    {August 28th, 2018} by Melanie Waddell

    The Securities and Exchange Commission’s three-pronged advice standards proposal has thrown the debate over titles — specifically “adviser” versus “advisor” and who should be allowed to use the terms — back into the spotlight. Advisor Ken Fisher of Fisher Investments put renewed vigor into the debate by opining in his comment letter to the SEC […]

    SEC Orders Transamerica Affiliates to Repay $97M Over Rookie’s Faulty Quant Models

    {August 28th, 2018} by Melanie Waddell

    Four Transamerica affiliates were ordered by the Securities and Exchange Commission Monday to refund $97 million to misled retail investors over faulty investment models created by an inexperienced junior analyst. According to the SEC’s order, investors put billions of dollars into mutual funds and variable annuity strategies using the faulty models developed by investment advisor […]

    Transamerica entities to pay $97 million to investors over model portfolio snafus

    {August 28th, 2018} by Bruce Kelly

    Four Transamerica Corp. related businesses were ordered to pay $97.6 million in penalties and disgorgement to retail investors on Monday by the Securities and Exchange Commission for misconduct related to faulty investment models. Click HERE to read the full story via InvestmentNews; registration required. 

    Less than $5,000 for retirement: Why so many people can’t save

    {August 28th, 2018} by Kathleen Elkins

    The vast majority of Americans, 78 percent, say they’re “extremely” or “somewhat” concerned about not having enough money for retirement, according to Northwestern Mutual’s 2018 Planning & Progress Study. And for good reason: A shocking 21 percent of Americans have nothing at all saved for the future and another 10 percent have less than $5,000 tucked […]

    Allianz Unit Analyst Worries About the End of Easy Money

    {August 28th, 2018} by Andreea Papuc and Ruth Carson

    Pacific Investment Management Co. sees a 70% chance the world economy will enter a recession over the next five years as the current ultra-loose monetary approach in the United States and Europe ends. Marc Seidner, chief investment officer of non-traditional strategies at Pimco — an Allianz asset-management unit — warned investors should expect increased volatility […]

    Lincoln Financial Group Makes It Easier for Customers to Apply for Lincoln MoneyGuard II

    {August 28th, 2018} by Lincoln Financial Group

    RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial Group (NYSE: LNC) has announced a more streamlined and customizable application process for its Lincoln MoneyGuard® II policies. The enhancements make it simpler and faster for customers to get the important protections of MoneyGuard, a flexible universal life insurance solution offering multiple benefits that can be utilized based on a client’s needs, including a death […]

    Meet Des Moines’ newest annuity company

    {August 28th, 2018} by Joe Gardyasz

    Venerable Holdings Inc. isn’t your typical insurance startup.  The newly formed annuity company, which formally launched on June 1, has leapt out of the gate with about $30 billion in annuity assets under management, over 600,000 policyholders and approximately 240 employees, half of whom are already working in downtown Des Moines.  A consortium of private […]

    The rise of the female financial adviser

    {August 28th, 2018} by Joni Youngwirth

    Our industry has long lamented the small percentage of female advisers. Indeed, the data show that only around 17% of all advisers are women. But has the time (finally!) come for the rise of the female financial adviser? Click HERE to read the full story via InvestmentNews; registration required. 

    Great-West Life Makes $164 Million Secured Loan

    {August 28th, 2018} by Lisa Brown

    Real estate is a kissing cousin of the life insurance and annuity sectors. Life insurers invest some of their general account cash in real estate, mortgages and mortgage-backed securities. Customers use the income from permanent life and annuity products to pay for housing. Here’s the second of five GlobeSt.com articles about intersections between your universe and […]

    Ric Edelman: Retirement Crisis Is 14 Years Away

    {August 28th, 2018} by Melanie Waddell

    Editor’s note: This article first appeared in Human Capital, a newsletter by Washington Bureau Chief Melanie Waddell about the people who shape the financial regulatory space. Welcome back to Human Capital, where we spotlight the movers and shakers influencing policies and regulations in the financial services realm. I’m Melanie Waddell in Washington. This week, I followed famed advisor Ric […]

    Impact of Interest Rates on Life Insurance Products

    {August 28th, 2018} by Marko Djuranovic and Eric Naison-Phillips

    In the aftermath of the financial crisis in 2008, interest rates steadily decreased and hovered around historical lows.  Given that the general account investment portfolios of life insurance companies are predominantly invested in fixed income instruments, the resulting downward yield pressure has caused insurers to increase the pricing of guaranteed products or exit the guaranteed […]

    12 Best & Worst Broker-Dealers: Q2 Earnings, 2018

    {August 28th, 2018} by Janet Levaux

    Most sectors of the U.S. economy had a stellar second quarter, with about 80% of S&P 500 companies reporting positive earnings surprises. Plus, the earnings surprises averaged 25%, the second-highest level since the third quarter of 2010, according to FactSet, which recently shared data on firms reporting second-quarter earnings through Aug. 10. In addition, there […]

    SEC orders asset manager to pay $97m over ‘faulty’ models

    {August 28th, 2018} by Ian Wenik

    The SEC found that errors in models underlying 15 Transamerica products were not disclosed to investors. The Securities and Exchange Commission (SEC) has ordered Transamerica Asset Management (TAM) and three affiliated entities to pay $97.6 million to investors over errors in asset allocation models used in a number of funds offered by the firm from […]

    InvestmentNews Diversity & Inclusion Awards: Diversity Champion

    {August 28th, 2018} by Vanessa Drucker

    BLACKROCK Asset manager Employees:14,000 AUM:$6.3 trillion BlackRock recruits diverse talent via Find your Future Forums for college students, as well as scholarship programs. The firm’s incoming graduate class of 2018 (its global analyst program) is 56% female, and the most diverse to date. “At BlackRock, we believe diverse teams produce the best solutions to the complex issues […]

    InvestmentNews Diversity & Inclusion Awards: Lifetime Achievement

    {August 28th, 2018} by Evan Cooper

    LECOUNT R. DAVIS Founder Association of African American Financial Advisors Maybe it was his religious upbringing, or maybe it was the example set by a tax preparer in Mr. Davis’ boyhood neighborhood in Washington, D.C., who provided the community with free, impartial money-related advice. Whatever or whoever it was that shaped his thinking, LeCount R. Davis […]

    How a Financial Services Distributor Sees the New Life Accounting Rules

    {August 26th, 2018} by Allison Bell

    U.S. life insurance distributors are starting to wonder what the new Financial Accounting Standards Board rules for long-duration insurance contracts will mean for the life and annuity products on their shelves. Larry Rybka, president of ValMark Financial Group, is one of executives watching the new FASB rules closely to see how the rules affect the supply […]

    How a Financial Services Distributor Sees the New Life Accounting Rules

    {August 26th, 2018} by Allison Bell

    U.S. life insurance distributors are starting to wonder what the new Financial Accounting Standards Board rules for long-duration insurance contracts will mean for the life and annuity products on their shelves. Larry Rybka, president of ValMark Financial Group, is one of executives watching the new FASB rules closely to see how the rules affect the supply […]

    Have You Planned Your Life Insurance Awareness Month Tweets?

    {August 26th, 2018} by Allison Bell

    Life Happens wants insurers and financial professionals to sign up for Life Happens Pro accounts to support the campaign, and to get access to official social media promotional materials for the Life Insurance Awareness Month campaign for 2018, which starts Sept. 1. Some Twitter users are already starting to build awareness for the awareness campaign. Here’s a sampling […]

    Fixed-index annuity sales hit a record amid industry turnaround

    {August 25th, 2018} by Tobias Salinger

    Fixed-index annuities are driving a turnaround in industrywide sales of the insurance products, thanks to the demise of the fiduciary rule and rising interest rates. Click HERE to read the full story via FinancialPlanning.  ………………………………………………………………………………….. Wink, a market research firm which also reports quarterly sales metrics, tracked a 20% upsurge year-over-year in sales of all […]

    Should You Rely on Annuities When You Retire?

    {August 25th, 2018} by Due

    If you’re thinking about retirement, you might seriously consider annuities. These financial products can be considered an investment, though they work much differently than an investment in stocks, bonds, or other asset classes. They aren’t right for every retiree, but they do have some distinct advantages that could give you an important place in your […]

    Extending your life insurance coverage

    {August 25th, 2018} by Kimberly Lankford

    Ideally, you buy life insurance when your kids are young or you’ve purchased your first home, and you need the coverage only for about 20 years. By the time your policy nears the end of its term, your kids are on their own, your house is mostly paid off, and you’ve accumulated enough money in […]

    The Foreign Nationals Life Market Is Getting Bigger

    {August 24th, 2018} by Allan D. Gersten

    There’s a huge change in the market for U.S.-based life insurance products to foreign nationals. In the past, that was a narrow marketplace. With little or no interest among life insurance carriers, much of the non-U.S. resident business was left to offshore-based insurance carriers. Click HERE to view the original story via ThinkAdvisor. Now, with […]