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  • Ohio National: No Strategy Change With Executive Shuffle

    {November 22nd, 2018} by John Hilton

    Ohio National’s abrupt leadership change will have no impact on the company’s decision to abandon the annuity market, a spokeswoman said. Part of that strategy included the controversial decision to cut trail commissions on select variable annuities. Click HERE to read the full story via INN; subscription required.   ************************************************************** Ohio National has gone “too far down […]

    Broker Lawsuit Against Ohio National Could Be ‘Just The Beginning’

    {November 8th, 2018} by John Hilton

    An LPL Financial broker filed a lawsuit Tuesday, asking an Ohio court for an injunction to prevent Ohio National from eliminating trail commissions on select variable annuity contracts. A lawsuit was expected, and one industry analyst said there will be more. “This is just the beginning,” said Sheryl Moore, president and CEO of Moore Market […]

    Election Day Preview: Insurance Is On The Ballot, Too

    {November 6th, 2018} by John Hilton

    Tuesday’s midterm Election Day is filled with fascinating races coast to coast – from the Florida gubernatorial contest to the Texas Senate race, with control of Congress hanging in the balance. Not as many people are paying attention to the expected turnover among state insurance commissioners. Click HERE to read the full story via INN; […]

    Choosing the right annuity

    {October 30th, 2018} by Sheryl J. Moore

    So, if someone has decided that an annuity is indeed right for them, they typically next need assistance identifying which type of annuity they are going to purchase. But which type of annuity is right for this prospect? There are so many choices… To that end, it is important to consider a fundamental principal of risk: […]

    What is happening to Variable Annuities?

    {October 30th, 2018} by Sheryl J. Moore

    Funny thing happened yesterday… I “met” a guy on the phone, who asked me if I had recently learned about indexed life insurance. Uh, no. I’m actually THE indexed life guru…have been for 19.33 years. I cut my teeth on participating whole life, then moved over to the tough stuff. He remarked, “Oh! I thought you were […]

    ‘Reckless’ Ohio National VA Purge Not A Likely Trend: Analyst

    {October 9th, 2018} by John Hilton

    Broker-dealers are dealing with angry producers while unsure themselves how to respond to Ohio National terminating trail commissions on some of its variable annuities. With Ohio National’s Sept. 28 decision to abandon those VA contracts, the company went where other insurers had not dared to go in an effort to shed costly guarantees. The termination […]

    How Ohio National’s move may lead to ‘unscrupulous’ broker behavior with annuities

    {October 9th, 2018} by Greg Iacurci

    Ohio National Financial Services Inc. recently told broker-dealers it would be terminating trailing commissions on some of its variable annuities, which has led experts to fear that the insurer’s action will cause unscrupulous behavior among brokers. Click HERE to read the full story via InvestmentNews; registration required.   ……………………………………………………………………………………………………………..   “That is what Ohio National […]

    Industry Stunned By Ohio National Decision To End Broker Contracts On VAs

    {October 4th, 2018} by John Hilton

    “Crazy,” “stunning” and “very odd” were just some of the reactions today to news from Ohio National that it will end advisor compensation on existing variable annuity contracts. Many are calling the move a dangerous precedent for an industry that relies on a web of relationships to move products through various distribution channels. “I have […]

    ROBERT “BOB” PHILLIPS, INDUSTRY VETERAN, SELECTED AS NEW EXECUTIVE DIRECTOR OF SAFE

    {September 30th, 2018} by SAFE

                   — FOR IMMEDIATE DISTRIBUTION — NEWS RELEASE    Robert “Bob” Phillips, Industry Veteran, Selected as New Executive Director of SAFE   Des Moines, Iowa. September 26, 2018– The Society for Annuity Facts & Education (SAFE) is proud to announce the appointment of insurance industry veteran, Bob Phillips, to the role of Executive Director.   Sheryl […]

    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, […]

    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, […]

    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 […]

    FUNDING UNIVERSAL LIFE INSURANCE AT TARGET? YOU’RE MISSING THE POINT: REPRINT #LIAM2018

    {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, […]

    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 […]

    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 […]

    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 […]

    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 […]

    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 […]

    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 […]

    Prudential, AIG, Lincoln Results Hint at Big Quarter for Annuities

    {August 14th, 2018} by Cyril Tuohy

    Major annuity companies last week reported second-quarter sales rising from 17% to 50%,… “It looks like it is going to be a fantastic quarter for annuity sales all around,” said Sheryl J. Moore, CEO of Moore Market Intelligence and Wink Inc., publisher of Wink’s Sales & Market Report. Click HERE to read the full story via Life Annuity Specialist; subscription required.

    Making Insurance and Annuities Fun. My Industry Chat with Sheryl Moore

    {August 7th, 2018} by Mark Williams

    I was delighted to have the opportunity to sit down with Sheryl Moore, president and CEO of Moore Market Intelligence and Wink, Inc. Annuities and Life Insurance Consulting. Sheryl and her team have a superior reputation providing competitive intelligence, market research and product development, and their competitive intelligence tools have become an essential service for […]

    Iowa Safe Schools Launches AJ Betts LGBTQ Youth Memorial Fund

    {July 27th, 2018} by Iowa Safe Schools

        Iowa Safe Schools Launches AJ Betts LGBTQ Youth Memorial Fund. Des Moines (July 27th, 2018)- In memory of AJ Betts’ passing on July 27th, 2013, Iowa Safe Schools, in coordination with AJ’s mother, Sheryl J. Moore, have proudly launched the “AJ Betts LGBTQ Youth Memorial Fund.” Sheryl J. Moore and Iowa Safe Schools’ […]

    How Have Fixed Index Annuities Evolved And How Are Consumers Protected?

    {July 5th, 2018} by Casey Kuhn

    They say the earlier you decide to invest your money, the better. But, before you sign anything, you need to know exactly how your money may — or may not, perform — especially in a fixed index annuity. The market for these insurance products has boomed, but the complexity of these investments may feel misleading to the […]

    New Athene Annuity Comes With Income Feature Built-In

    {June 27th, 2018} by Cyril Tuohy

    Athene’s new Agility index annuity’s lifetime income and enhanced death benefit features come without a separate product fee. And that makes it an unusual product in today’s annuity marketplace. Lifetime income features and more generous death benefits are typically offered as optional riders that usually come at an extra cost. Click HERE to read the […]

    DON’T ASSUME PROSPECTS KNOW ANNUITIES, Reprint

    {June 26th, 2018} by Sheryl J. Moore

    DON’T ASSUME PROSPECTS KNOW ANNUITIES April 21, 2013 by Sheryl J. Moore By Sheryl J. Moore, President and CEO of Moore Market Intelligence, an indexed product resource in Des Moines, IA.   I was speaking to a health insurance agent today who was looking for information on life insurance and annuities. He was genuinely interested […]

    A SOURCE OF HEADACHES: “SOURCE OF FUNDS” Reprint

    {June 26th, 2018} by Sheryl J. Moore

    A SOURCE OF HEADACHES: “SOURCE OF FUNDS” July 16, 2013 by Sheryl J. Moore One of today’s most widely-miscommunicated issues is the fixed annuity market’s “Source of Funds” matter. The issue? It’s figuring out where the prospective purchaser of a fixed or indexed annuity is getting his or her money from, so they can use […]

    To 1035 or not to 1035? Reprint

    {June 26th, 2018} by Sheryl J. Moore

      To 1035 or not to 1035? June 6, 2013 by Sheryl J. Moore Lately, I’ve been receiving a lot of questions about whether, or not, I have concerns about 1035 exchanges in the current interest rate environment. Why? Maybe you missed the memo, but you are currently selling annuities in the worst interest rate […]

    INDEXED ANNUITY GLWBS: A DECADE OF CHANGE Reprint

    {June 19th, 2018} by Sheryl J. Moore

    INDEXED ANNUITY GLWBS: A DECADE OF CHANGE March 29, 2016 by Sheryl J. Moore It has now been more than a decade since I developed the concept of offering Guaranteed Lifetime Withdrawal Benefits on fixed and indexed annuities. What was the motivation behind this? One question- “If guaranteed lifetime income is the greatest value proposition […]

    Need an Rx for retirement? The doctor is in. Reprint

    {June 19th, 2018} by Sheryl J. Moore

    It took me a long time to get my “doctorate in lifetime income.” The journey commenced once I reviewed my retirement account statement after the dot-com bubble burst. I felt absolutely nauseous. Losing money did not sit well with my stomach. If a 401(k) had caused me to retch so violently, what retirement product could […]

    INDEXED ANNUITIES: BACK TO THE BASICS Reprint

    {June 19th, 2018} by Sheryl J. Moore

    INDEXED ANNUITIES: BACK TO THE BASICS July 31, 2012 by Sheryl J. Moore For years, indexed annuities have provided a strong value proposition to those saving for retirement: guaranteed safety of principal while having the ability to earn limited interest based off of the performance of a stock market index. This must appeal to at […]

    Non-Variable Life Sales Rise 2%: Wink

    {June 12th, 2018} by Allison Bell

    U.S. indexed life insurance sales climbed to $486 million in the first quarter, up 11% from the total for the first quarter of 2017, according to analysts at Wink Inc. The combined sales total for indexed universal life and traditional universal life increased 1.6%, to $936 million. Sales of whole life increased 11%, to $1.1 billion. […]

    I GIVE A DAMN ABOUT ANNUITIES – YOU SHOULD TOO! Reprint

    {June 12th, 2018} by Sheryl J. Moore

    I GIVE A DAMN ABOUT ANNUITIES – YOU SHOULD TOO May 19, 2015 by Sheryl J. Moore WHY PEOPLE NEED ANNUITIES I recall well my entrance into the life insurance market. Nearly 20 years ago, I was a single mother with three babies in diapers; wondering what career I could hold in Des Moines, Iowa […]

    HAVE INDEXED ANNUITIES BECOME TOO COMPLICATED?!? Reprint

    {June 12th, 2018} by Sheryl J. Moore

      An Investment News article from 2016 had highlighted commentary from myself on how indexed annuities have become “unnecessarily complex.” I stand by that comment. Now, don’t get me wrong- I love indexed annuities, and I want to see the product line continue to thrive. Further, I am always for product innovation and competition when it […]

    CONSUMERS DEMAND INDEXED ANNUITIES Reprint

    {June 12th, 2018} by Sheryl J. Moore

    CONSUMERS DEMAND INDEXED ANNUITIES October 31, 2012 by Sheryl J. Moore by Sheryl J. Moore Just fifteen years ago, I was hard-pressed to find any information about indexed annuities in the public domain. Nothing was ever found in the newspaper or at the library; not even on that confounded thing they called “the internet.” It […]

    100 facts your clients need to know about annuities: REPRINT

    {June 4th, 2018} by Sheryl J. Moore

    Did you know that that the top fear of Americans is outliving their retirement income? Death comes in as the second top fear. It’s easy to see that annuities are still the black box of the insurance industry … what a shame. Did you know that the top fear of Americans is outliving their retirement income? (Death […]

    Analysts: Private Equity Eyes American Equity

    {May 31st, 2018} by Cyril Tuohy

    On the surface American Equity isn’t a prime candidate for a sale, so why has the company emerged as a rumored takeover target? It’s a question that analysts are puzzling through. American Equity, based in West Des Moines, “doesn’t strike us as a company looking to sell,” but the fixed annuity space has attracted interest […]

    Annuity 1Q Climbers: Athene, Nationwide, Great American, Pac Life

    {May 30th, 2018} by Cyril Tuohy

    Athene USA and Nationwide appear to be fierce competitors in the fixed indexed annuity market. But behind the scenes they share a common thread to their recent success: the Arizona-based annuity marketer Annexus, which works through other independent marketing organizations. Athene and Nationwide take their indexed annuity market share battles seriously, said annuity market analyst […]

    6 Questions for Sheryl Moore, a Life & Annuity Tracking Rockstar

    {May 29th, 2018} by Maria Wood

    As president and chief executive officer of Moore Market Intelligence, Sheryl Moore has become a leading expert and market researcher in the indexed life and indexed annuity industries. In fact, her 20-year career in field and passion for indexed retirement products has earned the nickname, “Indexed Annuity Rockstar.” She started working as a market research […]

    With FIA Caps, Higher is Better

    {April 26th, 2018} by Kerry Pechter

    After the financial crisis, the fixed indexed annuity (FIA) emerged from its original habitat in the independent insurance agent channel to compete against certificates of deposit in the bank channel and (when combined with an income rider) with variable annuities-with-living-benefits in the broker-dealer channel. Click HERE to read the full story via RIJ; registration required.  […]

    Indexed annuities likely to rebound after dip in sales last year

    {April 26th, 2018} by Greg Iacurci

    Sales of indexed annuities look like they are going to bounce back this year after dipping in 2017, a first for the product line in almost a decade. Click HERE to read the full article via InvestmentNews; registration required.    Article excerpts: “I’m definitely hearing from [distributor] groups that their sales are up,” said Sheryl […]

    Nationwide To Sell Annuities Through Independents

    {April 24th, 2018} by Cyril Tuohy

    Nationwide’s plan to cut loose 2,000 captive agents means the mutual will be selling its annuities through independents along with other institutional channels.   Click HERE to read the full story via INN; subscription required.   Article excerpt: Is Independence the Answer? Nationwide has recently made big gains in fixed indexed annuity sales. Nationwide was […]

    Moore on the Life/Annuity Market: How can so many be so wrong on annuities?

    {April 13th, 2018} by Sheryl J. Moore

    Did you know that the biggest fear of Americans age 50 and older is running out of money in retirement?1 Did you know that an annuity is the one financial instrument that can guarantee an income you will never outlive? Let that sink in. We’ll get back to that in a minute. View Insurance Selling, […]

    Des Moines market research CEO accepted into Forbes Finance Council

    {March 30th, 2018} by Business Record

    Sheryl Moore, president and CEO of annuity market research firm Wink Inc. in Des Moines, has been accepted into the Forbes Finance Council. The invitation-only council provides select executives in accounting, financial planning, wealth and asset management, and investment firms with resources to grow their businesses, including the opportunity to submit thought leadership articles and short tips on […]

    IMO Numbers Could Shrink by Up to 50 Percent

    {March 28th, 2018} by Cyril Tuohy

    Despite an appeals court ruling tossing out the Department of Labor fiduciary rule, the number of independent marketing organizations (IMO) can expect to eventually shrink by an estimated 30 to 50 percent, an expert said. IMOs help agents sell life insurance and annuities and there are an estimated 350 IMOs in the U.S. serving agents […]

    Agent FIA Distribution Falls Below 60 Percent Mark

    {March 27th, 2018} by Cyril Tuohy

    Independent agents’ market share of fixed indexed annuity (FIA) sales fell below 60 percent in each of the four quarters in 2017. This marks the first time independent agents’ share of the FIA market fell below the 60 percent level for a calendar year since FIAs were created more than 20 years ago, new data […]

    Jackson Releases First Fee-Based FIA With No Surrender Charge

    {March 20th, 2018} by Cyril Tuohy

    Jackson National released the first fee-based fixed indexed annuity (FIA) that does not carry a surrender charge, the company announced Monday. Surrender charges penalize contract holders for turning their contracts in early, a feature some analysts say is a stumbling block to penetrating the fee-based registered investment advisor market and boosting sales through broker-dealers. Click […]

    Pacific Life swims against the tide in the indexed annuity market

    {March 12th, 2018} by Greg Iacurci

    Pacific Life Insurance Co. is an outlier among the scores of companies selling indexed annuities. Of the roughly 60 companies that manufacture these annuities, Pacific Life is unique in that it guarantees the maximum interest rate on its products during the contract term. Other insurers reserve the right to — and often do — lower […]

    Indexed annuities’ performance may not be what you expect

    {February 20th, 2018} by Greg Iacurci

    At first glance, indexed annuities may sound quite similar to index mutual funds. Their names suggest as much. Click HERE to read the full story via InvestmentNews; registration required.        Sheryl Moore, president and CEO of market research firm Moore Market Intelligence, has a rule of thumb for judging how much juice advisers […]

    Prudential pivots toward indexed annuities

    {January 30th, 2018} by Greg Iacurci

    Prudential Financial Inc. Monday announced the launch of its first indexed annuity, the latest variable-annuity carrier to pivot toward the increasingly popular annuity. The variable annuity market has had a rough go in recent years, having seen consecutive years of sales declines from 2011-16. Official tallies for 2017 aren’t yet available, but sales will likely be […]

    State fiduciary rules may be reckoning for life insurance industry

    {January 23rd, 2018} by Greg Iacurci

    The life insurance industry escaped the jaws of the Department of Labor fiduciary rule only to come face to face with another beast: the states. New York’s recent proposal to impose a best-interest standard on life-insurance sales — a higher standard than currently exists — would have a significant impact on insurance agents and brokers, by upending the way […]

    Fee-Based Annuities Bright Spot In Disappointing 2017

    {December 27th, 2017} by Cyril Tuohy

    If 2017 is shaping up to be a letdown for annuity sales, it wasn’t for lack of trying as insurers launched new products and tinkered with product features to burnish annuities for distributors battling a tough regulatory environment. Several trends dominated the annuity industry this year as the products struggled mightily against the Department of […]

    FIA Marketing Tide Shifts to Accumulation

    {December 27th, 2017} by Cyril Tuohy

    In the fixed indexed annuity market, the marketing decibels around the accumulation story are ringing, even if it’s the week before Christmas. “Independent agents continued to shift their emphasis from guaranteed income to accumulation products focused on upside potential,” said John Matovina, CEO of American Equity Investment Life, one of the nation’s largest sellers of […]

    IUL the Life Insurance Star of 2017 Sales

    {December 27th, 2017} by Cyril Tuohy

    The indexed universal life (IUL) insurance line was the star of the life insurance show in 2017, thrust into the spotlight by a supporting cast of new products and features. Click HERE to read the full story via INN; subscription required.    The introduction of performance multipliers and bonuses helped rev up IUL sales, said […]

    Athene Seen As Big Winner In Voya Transaction

    {December 27th, 2017} by Cyril Tuohy

    Athene, a top writer of indexed annuities, will emerge a big winner following Voya Financial’s decision to separate itself from its closed block of variable annuities and its portfolio of individual fixed and fixed indexed annuities, market analysts said. Under the deal, which is expected to close in the first half of 2018, Voya will […]

    Critics say regulation hasn’t curbed overly rosy projections for indexed universal life insurance

    {December 15th, 2017} by Greg Iacurci

    A regulation governing indexed universal life insurance policies has had a fairly limited effect, leading some observers to question whether the regulation went far enough and if more stringent rules are necessary. Click HERE to read the full story via InvestmentNews; registration required.  “Illustrations are what sell cash-value life insurance,” said Sheryl Moore, CEO of Moore […]

    Non-variable annuity sales decline in third quarter

    {November 28th, 2017} by Staff

    Sales of non-variable deferred annuities totaled more than $20.2 billion in the third quarter, down 14 percent from the previous quarter and 11 percent from the year-ago quarter, according to Wink’s Sales and Market Report. Those non-variable products included the indexed annuity, traditional fixed annuity, and multi-year guaranteed annuity products. Higher rates on certificates of deposit […]

    John Hancock Tweaks IUL Products to Improve Performance

    {September 27th, 2017} by Jay Cooper

    After a strategic review of its IUL lineup, John Hancock is making tweaks to improve the performance of its Accumulation IUL, Protection IUL and Protection Survivorship IUL (SIUL) products. The insurer is also adding index options and the option for a higher cap within its protection suite. Click HERE to read the full story at […]

    First Guaranteed Income Rider Comes to FIAs

    {September 19th, 2017} by Cyril Tuohy

    Lincoln Financial’s i4LIFE Indexed Advantage is the first guaranteed income benefit rider to appear on a fixed indexed annuity (FIA), an annuities market expert said. Guaranteed income benefits riders have been a staple of variable annuities for years. “It is the first guaranteed income benefit to be introduced in the indexed annuity market,” said annuity […]

    Annuities Will Retain Strong Product Sales, Analysts Predict

    {September 13th, 2017} by Cyril Tuohy

    Although some annuity sales numbers are fluctuating wildly, analysts say the long-term prognosis for annuity products remains very strong. Like power changing hands from one political party to another, the money in the annuity world sloshes about between the variable and fixed buckets and back again, analysts say. Some numbers look bad, but can be […]

    DOL Rule Delay a Boon for Indexed, Variable Annuities

    {August 24th, 2017} by Alex Padalka

    The proposed 18-month delay to the Department of Labor’s fiduciary rule is a big relief to distributors of indexed and variable annuities, InvestmentNews writes. The rule, which was originally scheduled to go into full effect January 1, would have cut sales in indexed annuities by up to 10% this year and up to 20% in 2018, according to […]

    DOL fiduciary rule: Indexed, variable annuities big winners of a proposed delay

    {August 15th, 2017} by Greg Iacurci

    Indexed and variable annuities are the biggest winners of the Department of Labor’s recently telegraphed fiduciary rule delay. Sales of the products, especially indexed annuities, would arguably have been the most adversely impacted under the original timetable, which had the full regulation going into effect on Jan. 1, 2018. Click HERE to view the full […]

    Testing the Market for Fee-Based FIAs

    {July 18th, 2017} by Cyril Tuohy

    With new fiduciary standards taking effect, carriers have lined up new fee-based fixed indexed annuities (FIAs) for independent marketing organizations and their advisors to sell. Insurance companies said they want to be prepared for the June 9 implementation date of the Department of Labor’s fiduciary rule, which is designed to steer distributors away from commission-based […]

    MassMutual Leads in Whole Life in 1Q 2017

    {June 27th, 2017} by Cyril Tuohy

    MassMutual Life finished as the top seller of whole life insurance in the first quarter 2017, industry tracker Wink’s Sales & Market Report said this week. MassMutual was the top whole life seller in 2016. In the first quarter, the company generated new sales of $142 million and a market share of 15 percent, said […]

    Rise in Shorter-Term Surrender FIAs Means Commission Declines

    {June 21st, 2017} by Cyril Tuohy

    The emerging popularity of fixed indexed annuities (FIA) with a seven-year surrender period is reducing commission income to agents, data shows. First-quarter indexed annuity commission received by agents dropped to 4.96 percent from 5.37 percent in the year-ago period, data from Wink’s Sales & Market Report indicate. “Shorter-term products pay lower commissions,” said Sheryl J. […]

    WHAT DO PEOPLE NEED TO KNOW ABOUT ANNUITIES? Reprint

    {June 14th, 2017} by Sheryl J. Moore

    WHAT DO PEOPLE NEED TO KNOW ABOUT ANNUITIES? August 18, 2015, by Sheryl J. Moore June marked the second annual commencement of National Annuity Awareness Month- a month dedicated to educating consumers about annuities, their benefits, and features.  Since I was out on maternity leave last June, this was my first opportunity to be involved in the […]

    ARE ANNUITIES DOOMED IN 2017? Reprint

    {June 14th, 2017} by Sheryl J. Moore

    One of my most memorable years in the annuity business was 2008. So much was happening: the ‘Dateline Debacle,’ SEC’s proposed rule 151A, the market’s collapse. It was a challenging year! Many are predicting that 2017 will be just as challenging. The Department of Labor’s (DOL’s) proposed fiduciary rule alone threatens to weaken the annuity […]

    VALUATION OF MARKETING ORGANIZATIONS Reprint

    {June 14th, 2017} by Sheryl J. Moore

    VALUATION OF MARKETING ORGANIZATIONS March 1, 2013 by Sheryl J. Moore The past four or five years have been a major struggle for distributors in the life insurance business. The collapse of our nation’s economy, while catastrophic, was only the first domino in a vast Rube Goldberg Machine of economic destruction. Capital became scarce as […]

    Annuities Heading into a Blended Future

    {June 6th, 2017} by Cyril Tuohy

    Independent agents, the traditional lifeblood of FIA sales, can expect to see a reshaping of annuity product lines as insurers revamp features and revenue models to meet the needs of distribution channels evolving under tighter regulation and market conditions. The Department of Labor’s Fiduciary rule has been delayed until June 9, and many observers are […]

    MYGA Market In 1Q: A Look At The Top 10

    {June 1st, 2017} by Cyril Tuohy

    First quarter sales of multiyear guaranteed annuities (MYGAs), which offer a fixed rate over a period of several years, tumbled 17 percent to $9 billion, industry tracker Wink’s Sales & Market Report announced this month. MYGA sales rose 36 percent compared with the fourth quarter of 2016, Wink’s reported. First quarter top-10 finishers are listed […]

    The Top-10 Shuffle In The Fixed Annuity Market

    {May 31st, 2017} by Cyril Tuohy

    Fixed annuity sales dipped 6 percent to $1.1 billion in the first quarter over the year-ago period, market researcher Wink’s Sales & Market Report announced this week. Fixed annuity sales rose 6 percent over the fourth quarter, Wink’s said. Here is a rundown of the the top 10 fixed annuity sellers and where they finished […]

    FIA Market In 1Q: The Top 10 Shuffle

    {May 31st, 2017} by Cyril Tuohy

    Despite first quarter 2017 sales of fixed indexed annuities (FIAs) dropping 14 percent to $12.9 billion compared with the year-ago period, there was still plenty of jockeying for position among product sellers for top 10 recognition. Here is how companies, products and distributors finished the quarter compared with the first quarter in 2016, according to […]

    Indexed Annuity Sales Could See First Decline In A Decade, LIMRA Predicts

    {May 23rd, 2017} by Cyril Tuohy

    Sales of fixed indexed annuities (FIAs) are expected to be hit the hardest as new regulations and uncertainty among distributors will dampen new sales of individual annuities in 2017. LIMRA’s forecast is for sales of all U.S. individual annuities to drop between 5 percent and 10 percent in 2017. In particular, indexed annuity sales are […]

    Some broker-dealers changing indexed-annuity compensation due to DOL fiduciary rule

    {April 25th, 2017} by Greg Iacurci

    Brokerage firms are evaluating how they and their advisers get paid for indexed annuity sales to clients, as the start date of a new Labor Department rule governing investment advice in retirement accounts inches closer. Click HERE to view the full story via InvestmentNews; registration required   “There are still a lot of broker-dealers out […]

    Making the nest egg last: best products for senior clients

    {April 18th, 2017} by Warren S. Hersch

    Entering retirement can be a particularly jarring experience for seniors, and not only because they’re leaving behind the familiar world of work. For the change also requires a shift in one’s financial orientation — from savings accumulation to decumulation. Above all, the transition brings into focus one overriding goal: how best to “pensionize” a nest […]

    Annuities – You can hate them or love them, but please understand the facts about them first.

    {February 28th, 2017} by Sheryl J. Moore, Bill Borton- Contributor

    The greatest reason annuities are misunderstood by the public is the media’s perpetual distribution of inaccurate information. Misinformation about fees, commissions and surrender charges is rampant, even in respected publications. So, before you decide to buy, or walk away, read on for the facts. Annuities are a type of life insurance product. – Life insurance […]

    Here Come the Fee-Based Indexed Annuities

    {February 21st, 2017} by Cyril Tuohy

    With less than two months to go before new fiduciary standards take effect, insurers have lined up new fee-based fixed indexed annuities for independent marketing organizations and their advisors to sell. Insurance companies say they want to be prepared for the Department of Labor’s fiduciary rule, which is designed to steer distributors away from commission-based […]

    Dodd-Frank repeal could lead to big changes for indexed annuities

    {February 6th, 2017} by Greg Iacurci

    President Donald Trump’s executive order to review the Dodd-Frank financial reform law could wind up complicating the indexed annuity market for insurers and distributors.   Click HERE to read the full article via InvestmentNews; registration required   ARTICLE excerpts: “I definitely think it would pave the way for the SEC to make an attempt at […]

    Are annuities doomed in 2017?

    {January 24th, 2017} by Sheryl J. Moore

    One of my most memorable years in the annuity business was 2008. So much was happening: the ‘Dateline Debacle,’ SEC’s proposed rule 151A, the market’s collapse. It was a challenging year! Many are predicting that 2017 will be just as challenging. The Department of Labor’s (DOL’s) proposed fiduciary rule alone threatens to weaken the annuity […]

    IMOs Call DOL Fiduciary Exclusion Unworkable

    {January 23rd, 2017} by Cyril Tuohy

    Regulatory thresholds proposed for independent marketing organizations (IMOs) to participate in the sale of fixed indexed annuities are so high as to be virtually worthless and unworkable for the bulk of the IMO industry, industry experts said. Department of Labor regulators on Wednesday proposed that IMOs must have generated an average of $1.5 billion in […]

    Under proposed exemption, IMOs will need $15M in cash reserves

    {January 23rd, 2017} by Nick Thornton

    The roughly 350 independent marketing organizations that distribute fixed indexed annuities will need considerable cash on hand to operate as financial institutions under the Labor Department’s fiduciary rule. Labor released a proposed class exemption that would qualify IMOs as financial institutions under the rule’s Best Interest Contract Exemption. The financial institution designation is required to […]

    HAVE Indexed Annuities Become Too Complicated?!?

    {December 27th, 2016} by Sheryl J. Moore

    A recent Investment News article highlighted commentary from myself on how indexed annuities have become “unnecessarily complex.” I stand by that comment. Now, don’t get me wrong- I love indexed annuities, and I want to see the product line continue to thrive. Further, I am always for product innovation and competition when it comes to […]

    Have indexed annuities become too complicated?

    {December 19th, 2016} by Greg Iacurci

    Fixed indexed annuities are becoming more complex.   Click HERE to view the full article via InvestmentNews; registration required     “They are complex, unnecessarily so, if you ask me,” said Sheryl Moore, president and CEO of Moore Market Intelligence, who tracks indexed annuity products.  

    Bottom Falls Out of Fixed Annuity Market in 3Q

    {December 6th, 2016} by Cyril Tuohy

    Third-quarter sales of traditional fixed annuities took a beating, dropping by as much as 59 percent to $1.2 billion from the year-ago period, according to data released last week. Retirement investors fled the fixed-annuity market in search of higher yields, said Sheryl J. Moore, president and CEO of Moore Market Intelligence and Wink Inc., publisher of […]

    A Look Behind 3Q Annuity Sales Numbers

    {December 6th, 2016} by Cyril Tuohy

    Investors prefer indexed annuity products over fixed annuities weighed down by low-interest rates. This was a major factor in third-quarter fixed indexed annuity (FIA) sales rising 3 percent to $14.3 billion compared to the year-ago period, according to new market data released Thursday. “Indexed annuities are on record pace for 2016,” said Sheryl J. Moore. […]

    Fixed indexed annuities: Insurers playing ‘game of chicken’ as courts decide DOL rule’s fate

    {December 2nd, 2016} by Nick Thornton

    Insurance carriers that offer fixed indexed annuities (FIAs)remain tight-lipped as to how they intend to market the products after the Department of Labor’s fiduciary rule is implemented, according to one annuity industry analyst. “This is the biggest game of chicken we are ever going to see in the insurance market,” said Sheryl Moore, president and […]

    Opponents Take On the DOL in a Topeka Court

    {September 21st, 2016} by John Hilton

    Opponents of the controversial Department of Labor fiduciary rule will have another go in court today in Topeka, Kan. Judge Daniel Crabtree of the U.S. District Court for the District of Kansas will hear Market Synergy’s request for a preliminary injunction at 9 a.m. As in two other lawsuits, Market Synergy claims the DOL has […]

    AIG Riding High Eight Years After Bailout

    {September 15th, 2016} by Cyril Tuohy

    Earlier this year, American International Group surged into the top spot as the No. 1 seller of fixed and variable annuities in the United States for two consecutive quarters. Come again, now? Wasn’t it just a few months ago that big investors such as Carl Icahn were calling for the company’s break up? Click HERE […]

    Indexed annuity sales have best-ever quarter in Q2: Limra

    {August 23rd, 2016} by Greg Iacurci

    Fixed indexed annuity sales in the second quarter were the highest on record, according to Limra, as low interest rates continue to push investors away from more traditional fixed-income investment options.    Click HERE to view the full story InvestmentNews articles require free registration to read.      According to data from Wink Inc., another tracker […]

    Indexed annuity sales projected to plummet 30% because of DOL fiduciary rule

    {August 10th, 2016} by Greg Iacurci

    Fixed indexed annuity sales are projected to decline 30% to 35% next year due to a new Labor Department rule raising investment advice in retirement accounts, according to Limra, signaling the disruptive power the regulation will have on insurance companies and product distributors.     Click HERE for the full story. InvestmentNews articles may require […]

    The Photo Issue: Sheryl Moore

    {July 15th, 2016} by Anne Carothers- Kay

      BY ANNE CAROTHERS-KAY, Managing Editor Friday, July 15, 2016 6:00 AM Sheryl Moore President, CEO, Moore Market Intelligence and Wink, Inc.  Body Art Sheryl Moore admits she’s a little OCD. That’s why when she says she likes the Beastie Boys, an ’80s rock-rap group that she started following as a child, that means that she […]

    Insurers developing fee-based fixed-indexed annuities post-DOL fiduciary rule

    {July 14th, 2016} by Greg Iacurci

    Insurance companies are going full steam ahead developing fee-based fixed-indexed annuities due to greater anticipated demand from distributors for advisory products as a result of the Labor Department’s fiduciary rule. Please view full article at:http://www.investmentnews.com/article/20160714/FREE/160719964/insurers-developing-fee-based-fixed-indexed-annuities-post-dol         This sort of fee-based product development is new among fixed-indexed annuity product manufacturers. Midland National Life […]

    FMOs Retain Fixed Indexed Annuity Dominance by Launching Own Broker-Dealer

    {July 13th, 2016} by Rachel Summit

    By Rachel Summit , with Annuity FYI  Field Marketing Organizations (FMOs,) also known as Independent Marketing Organizations (IMOs), are worried about the fixed indexed annuity requirements that come with the DOL’s new fiduciary rule. These types of organizations represent independent agents, a group that accounted for 60% of indexed annuity product sales in the first […]

    First on the Docket: Market Synergy v. DOL Fiduciary Rule

    {July 11th, 2016} by John Hilton

    A Topeka, Kan. court will hear arguments Aug. 24 on insurance agency Market Synergy Group’s lawsuit to stop the Department of Labor fiduciary rule. The Market Synergy lawsuit in U.S. District Court for the District of Kansas is one of three lawsuits seeking a preliminary injunction. As it stands, it will be the first appeal […]

    Indexed annuity distributors weigh launching B-Ds due to DOL fiduciary rule

    {June 23rd, 2016} by Greg Iacurci

    Distribution networks representing independent insurance agents are weighing, and in some cases forging ahead with, plans to launch broker-dealers to continue selling fixed-indexed annuities in retirement accounts under the Labor Department’s fiduciary rule regime. Click HERE to view the original article at InvestmentNews.com            “There’s been a lot of chatter with […]

    Market Synergy Gets Support in DOL Lawsuit

    {June 21st, 2016} by John Hilton

    The Department of Labor’s fiduciary rule will damage fixed indexed annuities’ primary channel of distribution, one that is rarely cited in consumer complaints, according to one of eight affidavits filed to support a lawsuit against the rule. The affidavits were filed today to support Market Synergy, which is among five groups who have sued to stop […]

    Iowa Insurance Companies to Host Des Moines Insurance Conference June 28

    {June 21st, 2016} by Business Wire

    June 20, 2016 09:00 AM Eastern Daylight Time DES MOINES, Iowa–(BUSINESS WIRE)–Agenda and webcast details for the 2016 Des Moines Insurance Conference are now available. Participating companies include Aegon (NYSE: AEG), American Equity Investment Life Holding Company (NYSE: AEL), EMC Insurance Group Inc. (NASDAQ: EMCI), FBL Financial Group, Inc. (NYSE: FFG) and Principal Financial Group […]

    Will Floating Rates Become the New Indexed Annuities?

    {June 7th, 2016} by Cyril Tuohy

    A new annuity gives some of the appeal of indexed annuities to traditional annuities by linking to the LIBOR. How can an annuity offer the promise of gain from indexed products with the simplicity of a traditional annuity? Security Benefit Life is hoping it has that answer with an annuity designed to fit in between […]

    Nationwide Releases FIAs With Joint Option

    {May 23rd, 2016} by Cyril Tuohy

    Nationwide, which rocketed into a Top Three spot in the sales of fixed indexed annuities (FIAs) in the fourth quarter of last year, has launched a pair of FIAs with a “joint option” feature. The joint option feature allows the annuity’s death benefit to be paid to either surviving spouse, no matter who dies first. […]

    Annuities.direct Podcast: Annuities 101 with Sheryl Moore

    {May 19th, 2016} by Jimmy Dot Direct & Stan the Annuity Man

    Podcast Hosts: Jimmy Dot Direct & Stan The Annuity Man Podcast Guest: Sheryl J. Moore, founder, creator, and President & CEO of Wink, Inc. They call her the “Indexed Rockstar.” Click HERE for the podcast 

    How to sell fixed indexed annuities in a DOL fiduciary environment

    {May 6th, 2016} by Greg Iacurci

    Many providers of fixed indexed annuities and advisers who sell them were caught off guard when the Labor Department failed to exempt them from a fiduciary standard under the department’s new rule. Click HERE to view the full story via InvestmentNews; registration required           “I’m disappointed the DOL doesn’t seem to know […]

    AG 49 Targets Fantasy Returns in IUL Illustrations, Policy Loans

    {April 28th, 2016} by Cyril Tuohy

    You can’t spell “illustration” without “illusion”.  The National Associate of Insurance Commissions (NAIC) ushered in a new era in illustration of indexed universal life (IUL) products last month when Actuarial Guidelines (AG) 49 went into effects.  AG 49’s latest provisions focus on policy loans and illustration disclosures used to map out the future growth of […]

    New retirement savings rule ripples through Des Moines

    {April 19th, 2016} by Matthew Pattane

    A new federal rule aimed at saving retirement investors money is rippling through Des Moines, as investment advisers and companies work to figure out the full effect of the regulation. ​The Department of Labor recently approved a new rule for those who give retirement investment advice. Instead of just having to provide “suitable” advice to customers, […]

    Dear Advisors: Keep Selling FIAs Despite DOL Rule

    {April 19th, 2016} by Cyril Tuohy

        Hot-selling fixed indexed annuities (FIAs) were dealt a blow when federal Labor Department regulators made it more difficult to distribute the products into retirement accounts. So where do FIAs go from here? In the near term, a “fire sale” effect could mean a rise in FIAs as insurance agents and brokers push to […]

    Attorney: No Reasoning Behind DOL Treatment Of FIAs In Fiduciary Rule

    {April 12th, 2016} by John Hilton

    The future of fixed indexed annuity sales is up in the air after the Department of Labor added an unexpected wrinkle to its fiduciary rule. And a Washington attorney said he believes the rule should be re-issued as a result. FIAs have always been afforded the 84-24 Prohibited Transaction Exemption, which classified them as an […]

    DOL rule puts new restrictions on indexed annuities

    {April 8th, 2016} by Business Record Staff

    Sales of indexed annuities could be adversely affected under new rules released this week by the U.S. Department of Labor, according to a local annuity expert. Several insurers specializing in indexed annuities are based in or have operations in Greater Des Moines. Under the new rules, indexed annuities would no longer be exempt under the […]

    Industry insiders react cautiously to DOL fiduciary rule

    {April 7th, 2016} by Arthur D. Postal

    Insurers, and their trade groups in general, appear to be adopting a wait-and-see approach to the Department of Labor’s publication of its new fiduciary standard rule. However, unlike previous comments about the potential impact of the rule, none used the word “sue” to describe their reaction. At the same time, officials of the indexed annuity […]

    Surprise: DOL Rule Targets Indexed Annuities

    {April 7th, 2016} by Kerry Pechter

    Advisors and agents who sell fixed indexed annuities (FIAs) to retirement account owners on a commission basis will have to pledge to act in the “best interest” of the purchaser under the final version of the Department of Labor’s fiduciary rule and its prohibited transaction exemptions, which the DOL released yesterday. Specifically, FIA sellers will […]

    Variable and fixed-indexed annuities feel sting of DOL fiduciary rule

    {April 6th, 2016} by Greg Iacurci

    Those who thought fixed indexed annuities would be a benefactor of the Labor Department’s fiduciary rule may want to think again.   Click HERE to view the full story via InvestmentNews; registration required           “Indexed annuities were variable-annuity carriers’ Plan B. Now, they’re having to come up with Plan C,” said […]

    Annuity Industry Caught Off-Guard By DOL Rule

    {April 6th, 2016} by Cyril Tuohy

    They didn’t make it, and the annuity industry was caught off-guard. Fixed indexed annuities (FIAs), which had originally been left out of a draft proposal of the Department of Labor’s new fiduciary rule, were added to variable annuities as the two classes of annuity products requiring an exemption. For advisors to proceed with a sale […]

    Will Floating Rate Annuities Shake Up the Market?

    {April 4th, 2016} by Cyril Tuohy

    Here’s a dilemma that many annuity investors haven’t had to face in many years: as rates rise, the price of their fixed annuity investments fall. Who wants to buy their old annuities if new annuities coming into the market are paying more interest? Good question, and one that Security Benefit Life in Topeka, Kan., have […]

    MetLife Deal Signals Hard Times Coming for Variable Annuity Sales

    {April 1st, 2016} by Cyril Tuohy

    MetLife’s decision to sell its career agency insurance channel and broker-dealer to mass-Mutual Financial Group may signal that contraction of the annuity market that some analysts predicted would come from the Department of Labor’s new fiduciary rule.  The controversial rule changes  “the landscape when it comes to commission-based sales for variable annuities, mutual funds and […]

    Are FIAs Filling the Variable Annuity Void?

    {March 29th, 2016} by Cyril Tuohy

    Although variable annuities still outsell their fixed annuity cousins by the tens of billions of dollars, the shift away from variable annuities is noticeable. That shift is expected to continue with the release of new rules by the Department of Labor, according to two annuity industry experts. One of the biggest beneficiaries of the DOL’s […]

    Nationwide, AIG see huge gains in fixed indexed annuity sales; Allianz and Security Benefit flounder

    {March 29th, 2016} by Greg Iacurci

    Nationwide and American International Group saw sizable gains in fixed indexed annuity sales last year, jumping into the Top 10 sales leaderboard and reaping the benefits of a market appetite for indexed annuities that only seems to be growing. Click HERE to view the full story via InvestmentNews; registration required           […]

    Rising interest rates pushing annuity product development

    {March 24th, 2016} by Greg Iacurci

    Insurers are trying to capitalize on an environment of rising interest rates by developing annuities that would benefit investors as rates increase. Click HERE to view the full story via InvestmentNews; registration required “With this product development, these companies are finding a way to try and take advantage of a rising-rate environment,” said Sheryl Moore, […]

    Indexed Annuities, Indexed Life Sales Hit Record Highs

    {March 22nd, 2016} by Cyril Tuohy

    Fourth quarter sales 2015 of fixed indexed annuities (FIAs) soared to a record $15.5 billion. This marks a 30 percent increase compared with the year-ago period, according to Wink’s Sales & Market Report. The hot-selling annuity category also finished 2015 at a record $53 billion in sales, an increase of 13 percent over 2014. “We […]

    Indexed annuity sales set records in 4th quarter and year

    {March 21st, 2016} by LifeHealthPro Editors

    Indexed annuity sales totaled $15.5 billion in the fourth quarter of 2015, according to a new report. This finding is disclosed in the 74thedition of “Wink’s Sales & Market Report.” The study represents 55 indexed annuity carriers that participated in 99.9 percent of indexed annuity production in the fourth quarter of 2015. The study shows […]

    American Equity CEO: Strong 2015 Performance Makes Company Second-Biggest Seller of Fixed Annuities

    {March 11th, 2016} by Dennis Gorski, managing editor-online, BestWeek: Dennis.Gorski@ambest.com

    ORLANDO, Fla. – Coming off a strong year for sales of its fixed annuity products, executives of American Equity Investment Life Holding Co. told investors its performance was good enough to claim second place in industrywide sales of the product in 2015, behind only Allianz. Annuities analyst Sheryl Moore, president of Moore Market Intelligence, confirmed […]

    Genworth LTC Annuity Targets Elderly And Sick

    {March 9th, 2016} by Juliette Fairley

    Sales of hybrid annuities and life insurance policies with long-term care benefit riders and early death benefits have increased by more than 24% since 2014, according to the American Association for Long-Term Care Insurance (AALTCI).  And now traditional long-term care insurers are getting in on the game. “Insurers are developing all types of different options […]

    Voya lowers caps, participation rates on indexed universal life policies

    {February 19th, 2016} by Greg Iacurci

    Voya Financial is lowering the cap and participation rates on some of its indexed universal life insurance policies because of rising market volatility.   Click HERE to view the full story via InvestmentNews; registration required       “Although all cash-value life insurance policies have the ability to change their non-guaranteed provisions on an annual […]

    Advisors Look Ahead To 2016 While Recalling Memories Of Past Year

    {January 5th, 2016} by Cyril Tuohy

    From rebuilding after a fire to striking out into a new business venture, 2015 was a year of challenges and rewards for advisors. As we move ahead into 2016, InsuranceNewsNet talked with a number of advisors about the highs and lows they experienced during the past year. Some focused on the lows, others the highs. […]

    Industry Leaders Share Insights:

    {November 18th, 2015} by NAFA Staff

    NAFA Annuity Outlook magazine staff asked several industry executives to share their insights on this question: From your perspective, how will 2015 sales, product and/or regulatory developments impact the new year ahead – for the industry at large and/or specifically for financial professionals? Sheryl Moore, president and CEO of Moore Market Intelligence, an indexed product […]

    Ruminations, Reflections from the 2015 SOA Annual Conference: BLOG

    {October 27th, 2015} by Steven D. McDonnell

    Click HERE to view blog

    Industry Moves From Life/Health To Life/Annuity

    {October 13th, 2015} by Linda Koco

    There was a time not long ago when the life and annuity (L&A) industry had another moniker. It was known as “the life and health (L&H) insurance industry.” The words still hold sway in some quarters, but they are no longer in general parlance as they once were.  Click HERE to read article      […]

    Will FA And MYGA Sales Start Rising?

    {September 21st, 2015} by Linda Koco

    Traditional fixed annuities (FAs) and multi-year guaranteed annuities (MYGAs) might seem like yesteryear’s afterthought, shivering as their sales are in the shadow of the soaring fixed index annuity (FIA) sales. But it might be a mistake for annuity professionals to give these products the cold shoulder. Agreed, the industry doesn’t hear much about sales of […]

    No Flight To Safety Expected In This Downturn

    {September 15th, 2015} by John Hilton

    Annuity sellers might see a bump in sales from consumers fleeing the stock market after the latest gyrations, but they probably won’t see the rush to safety that they witnessed after the 2008 crash, said an annuity analyst. “Anytime we see a drop in the market, we see an increase in indexed annuity sales,” said […]

    FIAs Have Second-Best 2Q In History

    {September 8th, 2015} by Linda Koco

    Annuity carriers sold nearly $12.3 billion in fixed index annuities (FIAs) in the second quarter of this year, according to a new report from Wink Inc. Although down 2.5 percent from last year’s record-breaking second quarter, the sales outpaced the previous quarter by nearly 8 percent, the researcher said. With the exception of second quarter […]

    100 facts people need to know about annuities

    {August 24th, 2015} by Sheryl J. Moore

    June marked the second annual commencement of National Annuity Awareness Month-a month dedicated to educating consumers about annuities, their benefits and features. Since I was out on maternity leave last June, this was my first opportunity to be involved in the festivities. In fact, I was able to obtain the Iowa governor’s Proclamation, identifying the […]

    What Do People Need to Know About Annuities?

    {August 18th, 2015} by Sheryl J. Moore

    June marked the second annual commencement of National Annuity Awareness Month- a month dedicated to educating consumers about annuities, their benefits, and features.  Since I was out on maternity leave last June, this was my first opportunity to be involved in the festivities. In fact, I was able to obtain the Iowa governor’s Proclamation, identifying the indexed annuity capital of […]

    The 20 most creative people in insurance

    {August 4th, 2015} by LifeHealthPro Staff

    “Creativity is just connecting things,” Steve Jobs famously said, making one of the most pursued attributes in the business world sound beautifully simple and obtainable. Insurance is a multi-trillion dollar industry, and so, of course, millions of connections happen every day. Most of them go unnoticed. Click here to read…

    Advisor Network Summit: One conference you can’t afford to miss

    {July 7th, 2015} by Van Mueller

    The annual Advisor Network Summit in Las Vegas is a vital meeting for agents to attend. A small investment of your time and money will provide you with some of the best ideas in the industry and access to the people sharing those ideas. Every year, agents tell me that they decided to stay in […]

    Magic Johnson Buys Into FIA Carrier EquiTrust

    {July 7th, 2015} by Linda Koco

    Retired basketball legend-turned-entrepreneur Earvin “Magic” Johnson has acquired more than 60 percent of EquiTrust Life from Guggenheim Partners. The deal, which began last year, concluded for an undisclosed amount. EquiTrust is a leading writer of retail annuities. Guggenheim is a New York-based investment and advisory firm that reportedly had bought the carrier in 2011. The […]

    4 myths Dave Ramsey is spreading about fixed annuities (and how to overcome them)

    {June 23rd, 2015} by Michael Markey

    Yesterday’s experiences shape tomorrow’s beliefs. Had Dave Ramsey’s past experiences not been marred by financial ruin; had his past not been sensationalized by giving off-the-cuff, hard-to-hear, overly simplified advice; had he not generated most of his wealth during one of the strongest bull markets our country has ever seen; then we wouldn’t have a Dave […]

    Push-Pull Dynamic Heats Up Annuity Awareness Month

    {June 9th, 2015} by Cyril Tuohy, cyril.tuohy@innfeedback.com

    There’s momentum building around annuities, and that’s good news for the annuity industry, which this month celebrates its second annual National Annuity Awareness Month (NAAM). Call it a “rise and shine” moment for guaranteed income products. As the sun rises on its way to solstice on June 21, the Society for Annuity Facts and Education […]

    SAFE Promotes National Annuity Awareness Month

    {June 9th, 2015} by Society of Annuity Facts & Education

    Pleasant Hill, Iowa – June 4th, 2015– The Society for Annuity Facts & Education (SAFE), a nonprofit with the aim of educating consumers about annuities, joins the Coalition for Annuity Awareness for the second annual National Annuity Awareness Month in June. Research indicates that 52% of workers have less than $10,000 saved and only 18 […]

    Why Agents & Their Clients Should Love Annuities

    {June 2nd, 2015} by Cyril Tuohy, cyril.tuohy@innfeedback.com

    The story surrounding annuities is a textbook example of the adage that there are two sides (at least) to every story. Many people love annuities and what annuities can do for them. Consumers cherish the host of guaranteed income features that annuities offer.  But mention the word “annuity” and some clients are likely to recoil […]

    Pros, Cons Of Indexed Annuities

    {June 2nd, 2015} by PAUL KATZEFF, INVESTOR'S BUSINESS DAILY

    Indexed annuities are hot. In a survey by Wink’s Sales & Market Report — a researcher serving the life insurance and annuities industries — annuity carriers reported first-quarter sales of $11.3 billion for these kissing cousins of traditional variable annuities. That was up nearly 5% vs. the same period last year. It was the best […]

    I Give a Damn About Annuities – You Should Too

    {May 19th, 2015} by Sheryl J. Moore

    Why People Need Annuities I recall well my entrance into the life insurance market. Nearly 20 years ago, I was a single mother with three babies in diapers; wondering what career I could hold in Des Moines, Iowa that was stable. Aha! Insurance. Before becoming a homemaker, I had managed a grocery store, so working in […]

    IUL: Accumulation vs. Protection

    {May 19th, 2015} by Cyril Tuohy, cyril.tuohy@innfeedback.com

    One of the strategies discussed in the Insider’s Guide to Indexed Universal Life in the March edition of InsuranceNewsNet Magazine sparked some heated discussion from readers. The difference in opinion formed over discussing the death benefit with clients. Josh Mellberg, president of J.D. Mellberg Financial in Tucson, advised that in certain instances or for certain […]

    Why New York Life Put A GLWB On A Fixed Deferred Annuity

    {March 26th, 2015} by Linda Koco, linda.koco@innfeedback.com

    In today’s market, guaranteed lifetime withdrawal benefit (GLWB) features are commonplace in variable annuities and in fixed index annuities, but much less so in fixed deferred annuities. That may start to change, however. This month, New York Life debuted its Clear Income Fixed Annuity, a fixed deferred annuity with a built-in GLWB rider. The design […]

    Wink CEO: Interest From Nontraditional Distribution Boosts 2014 Sales of Indexed Annuities

    {March 24th, 2015} by Fran Matso Lysiak, senior associate editor, BestWeek: fran.lysiak@ambest.com

    PLEASANT HILL, Iowa – Continued interest in indexed annuities from “nontraditional” distribution is helping to boost sales while new companies continue to enter the space, said the president and chief executive officer of Wink Inc. Total 2014 U.S. sales of these retirement savings and income products rose to $46.8 billion, up 21.3% from the same […]

    Wink CEO: Both Sides Nearing Compromise on Illustrated Rates for Indexed Life Insurance as 2014 Sales Jump 15%

    {March 24th, 2015} by Fran Matso Lysiak, senior associate editor, BestWeek: fran.lysiak@ambest.com

    PLEASANT HILL, Iowa – As the regulatory debate on illustrated rates continues, full-year 2014 sales of indexed universal life insurance jumped 15% to $1.5 billion. But the chief executive officer of Wink Inc. says she’s “encouraged” that both sides — including some whole life companies — are nearing a compromise. Capturing first place in total […]

    What’s Behind Allianz’s Huge Lead In FIA Sales?

    {March 24th, 2015} by Linda Koco, linda.koco@innfeedback.com

    Allianz Life made head-spinning gains in its fixed index annuity (FIA) sales in 2014, according to figures recently published by Wink, Inc. Allianz’s sales totaled over $12.7 billion, more than double its $6 billion total in 2013, for a market share of 27 percent. The results put Allianz in first place among the 52 companies […]

    Treading Carefully In An Uncapped FIA World

    {March 24th, 2015} by Cyril Tuohy, cyril.tuohy@innfeedback.com

    Surely, annuity sales channels have heard of uncapped fixed index annuities (FIAs). It is a phrase filled with upside promise. At Nationwide, the company’s New Heights FIA promises to position investors for growth. Symetra Financial touts its Edge Plus and Edge Premier FIAs pegged to the JP Morgan ETF Efficiente 5 Index. Because this particular […]

    Happy 20th, FIAs!

    {February 10th, 2015} by Steven Morelli, steve.morelli@innfeedback.com.

    Fixed index annuities want what any 20-year-old desires: Acceptance and respect. FIAs still carry that bad-boy taint from years back, from, you know, the experimenting years. Yeah, things got a little complicated back then. Maybe they said some things they shouldn’t have. But we all grow up, right? We do, but many of us also […]

    Jumping on the FIA Birthday Bandwagon

    {February 5th, 2015} by Cailie Currin

    There has been a small flurry of publicity around the 20th birthday of fixed indexed annuities. (e.g., InsuranceNewsNet, February 2015, p. 6 Editorial, “Happy 20th Birthday Indexed Annuities!”  and “Fixed Indexed Annuities Celebrate 20 Years”) I read the first in this list, Mr. Morelli’s editorial, yesterday. The lead is that “Fixed index annuities want what […]

    The little annuity product with big buying potential

    {January 30th, 2015} by Ed McCarthy

    Annuities and long-term care insurance seem like a natural pairing — the insurance equivalent of chocolate and peanut butter. When the Pension Protection Act’s (PPA) changes for these hybrid (or linked) annuities took effect in 2010, it appeared this market was poised for rapid growth. But while some advisors and insurers have experienced solid sales […]

    From Antiquity to the Future: Financial Security Is Always Part of the Quest

    {January 20th, 2015} by Bryan Mills, advzrtek@gmail.com

    “The future belongs to those who prepare for it today.” This powerful quote by Malcolm Little may quite possibly be the cornerstone or central message upon which your financial practice is built. So how can you deliver what’s essentially a promise of financial certainty while exploring and embracing the many complex solutions offered to you […]

    2015 Annuity Forecast

    {January 6th, 2015} by Steven Morelli, steve.morelli@innfeedback.com.

    At the dawn of 2015, forecasters predict a warming trend for annuities, but warn of a chance of a sudden and deep freeze. The sun has been shining on annuities for the past few years, in fact. Not all products, of course. But consumers are going for some, such as fixed index annuities (FIAs), like […]

    Why Ken Fisher Loves to Hate Annuities

    {December 30th, 2014} by Steve Marsh

    We all know that Ken Fisher hates annuities and believes everyone else should too. Fisher’s ads have been everywhere, although they have abated a bit lately. But anyone who has been on the Internet or has read a national consumer magazine has seen the ads where Fisher proclaims his hate for annuities and wants everyone […]

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