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  • 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 […]

    FUNDING UNIVERSAL LIFE INSURANCE AT TARGET? YOU’RE MISSING THE POINT: Reprint

    {July 18th, 2017} by Sheryl J. Moore

    The following article is a reprint, originally written July 15, 2013 by Sheryl J. Moore: Throughout the past 15 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, […]

    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. […]

    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 […]

    I Give a Damn About Life Insurance – You Should Too!

    {September 16th, 2015} 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 […]

    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 […]

    Indexed annuity sales break previous record by 21%

    {March 17th, 2015} by Wink, Inc.

    Forty-nine indexed annuity carriers participated in the 70th edition of Wink’s Sales & Market Report, representing 99.8 percent of indexed annuity production. Total fourth quarter sales were $11.9 billion. Fourth quarter indexed annuity sales were up 4.0 percent when compared to the previous quarter, and up 3.5 percent when compared with the same period last […]

    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 […]

    Insurers Take Aim At IUL Illustrations

    {December 24th, 2014} by Arthur D. Postal

    WASHINGTON – A coalition of three large insurance companies is urging the National Association of Insurance Commissioners (NAIC) to act promptly to adopt a realistic regulation governing the illustrations insurers and agents can use in marketing indexed universal life insurance (IUL). The coalition is composed of MetLife, Northwestern Mutual and New York Life. In a […]

    Annuity trends: 2015 and beyond: Opinion

    {December 12th, 2014} by Adam Cufr, Fourth Dimension Financial Group, LLC.

    The economy has clearly changed and so has the role of annuities. Simply put, annuities have had to adapt, and fast. As advisors scramble to keep pace with the changing landscape, a look at the recent past will pay big dividends as we look to the future of the annuity market to see what may […]

    Why FIA Producers See A Silver Lining In 3Q

    {December 3rd, 2014} by Linda Koco

    Third quarter sales of fixed index annuities may have dropped by nearly 8.6 percent from the previous quarter, but annuity producers are hardly singing the blues. That’s because fixed index annuity (FIA) sales were moving swiftly for many in the field. In fact, when compared to third quarter last year, FIA sales were up. The […]

    Wink CEO: Independent Organizations Marketing Annuities Getting Regulatory Cautions From Kansas, Iowa

    {December 3rd, 2014} by Fran Matso Lysiak

    PLEASANT HILL, Iowa – Insurance regulators in Iowa and Kansas have turned their eye to organizations marketing insurance products/annuities, according to the chief executive officer of Wink Inc., a firm that tracks sales of  indexed annuities. Both state’s regulators have drafted bulletins cautioning marketing organizations about marketing and advertising,  Sheryl Moore, president and CEO of Wink and Moore […]

    Q3 fixed indexed annuity sales report: The proof is in the pudding. BLOG

    {December 3rd, 2014} by Matt Tarkenton

    More and more consumers are looking for the guarantees and income provided by fixed annuity products as part of their retirement strategy, and the proof is in the pudding. The growth of fixed indexed annuities (FIAs) continued in the third quarter of 2014. Our friend and industry thought leader Sheryl Moore’s report showed that third-quarter […]

    My 13 favorite stories: BLOG

    {November 26th, 2014} by Bill Coffin

    In the four-and-a-half years I have worked for National Underwriter, LifeHealthPro and PropertyCasualty360, I have had the opportunity to produce some stories of which I am very proud. Writing for these brands, and most importantly, serving this audience, has been a special honor and privilege, and I am glad to have been afforded this most […]

    US Sales of Indexed Universal Life Rose 18.7% as Debate Over IUL Illustrated Rates Continues

    {November 26th, 2014} by Fran Matso Lysiak

    PLEASANT HILL, Iowa – As issues over illustrated rates for indexed universal life insurance are sorted out, competition among companies in the overall universal life product space is growing, according to Sheryl Moore, president and chief executive officer of Wink and Moore Market Intelligence. Third-quarter U.S. sales of indexed universal life rose to $372.8 million, […]

    Indexed annuity sales skyrocket

    {November 25th, 2014} by Lynette Gil

    A new report from Wink, Inc., the 69th edition of Wink’s Sales & Market Report, which took into account 99.8 percent of indexed annuity production and with 47 indexed annuity carriers as participants, reveals that the market can easily do over $45 billion in sales by the end of this year. A total of $11.4 […]

    Sheryl J. Moore’s NAIC Comment on IUL Illustrated Rates

    {November 5th, 2014} by Sheryl J. Moore

    September 28, 2014     National Association of Insurance Commissioners Mike Boerner, Chair of Life Actuarial Task Force Texas Department of Insurance 333 Guadalupe Austin, TX 78701     Moore Market Intelligence Sheryl J. Moore 5148 E. University Avenue Pleasant Hill, IA 50327     RE: Actuarial Guideline on Illustrations for Indexed Life Insurance Policies […]

    Expert Interview with Sheryl Moore About Competitive Intelligence and Retirement for NewRetirement.com

    {November 5th, 2014} by Media Shower

    Sheryl Moore is the creator, founder, president and CEO of Wink, Inc. After seeing a hole in the insurance industry, Sheryl began developing an idea that turned into the successful company, Wink. Not only did she create a thriving business, but she has also put an energetic, expert team together to offer the best in the […]

    Staying current on new products is your responsibility

    {November 5th, 2014} by Brian Anderson

    “Make sure you stay educated and don’t ever think you get to that plateau where you know it all, because when you get there, it’s going to change.” That’s a direct quote from Nevada Commissioner of Insurance Scott J. Kipper, delivered as a key takeaway for the audience at a roundtable session titled “Navigating the […]

    Indexed annuity issuer aims for LTC planning market

    {October 7th, 2014} by Allison Bell

    OneAmerica is going after consumers who hope stock market gains will make their long-term care (LTC) dollars go further. The State Life Insurance Company, a unit of OneAmerica, has introduced the Indexed Annuity Care product, a single-premium annuity contract. The company believes the product to be one of a relatively small number of indexed annuity […]

    Navigating the regulatory arena: 6 ways regulation is affecting the annuity industry

    {October 1st, 2014} by Paul Wilson

      The last few years have seen dramatic regulatory change in the life/health industry. From financial planners to health agents to annuity producers, everyone has felt the effects of regulatory restraint on both the local and national level. What changes are yet to come? And how can you adapt in order to survive and thrive […]

    W&S Launches FIA With Goldman Proprietary Index

    {September 29th, 2014} by Linda Koco

    Insurance holding company Western & Southern Financial Group said in mid-September that it would soon issue a fixed index annuity (FIA) that includes a Goldman, Sachs & Co. proprietary index option. “What kind of FIA will this be?” industry people wanted to know. “And what is global investment firm Goldman doing in there with a […]

    Insurance marketing warning issued by state of Iowa

    {September 24th, 2014} by H. Cutner

    An official agency has now released a statement cautioning consumers of potentially deceptive ads. The Iowa Insurance Division has now released a warning to the residents of the state, cautioning them that certain insurance marketing and ads for annuities may have potentially deceptive messages. The agency has been watching a growing number of marketers that […]

    State warns about misleading insurance ads

    {September 24th, 2014} by Matthew Patane

    Iowans looking at annuities and other insurance products should be wary of potentially deceptive advertisements, a state agency said this week. The Iowa Insurance Division has seen more marketing companies that work with insurance firms use misleading ads to try to attract customers, the division said in a bulletin. Those ads, the division said, give […]

    New York Regulators Probe Indexed Universal Life Insurance Marketing- Bestwire

    {September 23rd, 2014} by Thomas Harman

    ALBANY, N.Y. – The New York Department of Financial Services is investigating the marketing of indexed universal life insurance products, regarded as one of the fastest-growing in the life insurance sector. The letter sent to insurers said DFS “is seeking information from authorized life insurers regarding indexed universal life insurance and the illustrations used to […]

    5 ways regulation is affecting the annuity industry

    {September 23rd, 2014} by Paul Wilson

    The last few years have seen dramatic regulatory change in the life/health industry. From financial planners to health agents to annuity producers, everyone has felt the effects of regulatory restraint on both the local and national level. What changes are yet to come? And how can you adapt in order to survive and thrive in […]

    RetirePreneur: Sheryl J. Moore

    {September 4th, 2014} by Jenna Gottlieb

    What I do: I own two firms. The first, Moore Market Intelligence, assists with the product development of indexed annuities. The second is Wink, Inc., which provides competitive intelligence tools to life insurance and annuity product home offices, distributors, sales professionals, and consulting firms. My grandmother would say that I’m the president of an insurance […]

    Hybrid Indexes Help Spur FIA Sales

    {September 3rd, 2014} by Linda Koco

    Move over, double-takes. Given that fixed index annuity (FIA) sales have broken yet another quarterly record, and by a wide margin, triple-takes are in order. Hybrid indexes have something to do with this. First, the impossible-to-ignore numbers: In second quarter 2014, FIA sales totaled nearly $12.6 billion — 8.5 percent above the industry’s prior record […]

    Why the Middle Market Loves IUL

    {September 3rd, 2014} by Linda Koco

    Not long ago, a middle-market couple told life insurance agent Michael T. Tierney that they wanted to discuss retirement income. “Right off the bat, they said they have never bought life insurance and they will not buy an annuity or life insurance,” said Tierney, who does college funding through his College Tuition Coaches firm in […]

    Indexed annuity sales grow 15.4 percent in 2Q 2014

    {September 3rd, 2014} by Sheryl J. Moore

    Forty-five indexed annuity carriers participated in the 68th edition of Wink’s Sales & Market Report, representing 99.8 percent of indexed annuity production. Total second quarter sales were $12.6 billion. Second quarter indexed annuity sales were up 15.43 percent when compared to the previous quarter, and up 36.54 when compared with the same period last year. […]

    Wink CEO: Increased Sales of Proprietary Products Help Boost 2Q US Sales of Indexed Annuities

    {August 27th, 2014} by Fran Matso Lysiak

    PLEASANT HILL, Iowa – Increased sales of proprietary products specifically helped to boost sales of indexed annuities in the second quarter of 2014, says the chief executive officer of Wink Inc. Total second-quarter sales of these retirement savings and income products in the United States increased to $12.6 billion, a 36.5% gain from the same […]

    Some FIA Agents Face Dark Pool Backlash

    {July 28th, 2014} by Linda Koco

    When financial planner Michelle Ford answered the phone one day, she heard the voice of a worried older gentleman. “Is there anything I should be worried about?” he asked Ford nervously about allocations in his fixed index annuity (FIA). The man had learned that New York Attorney General Eric Schneiderman had filed a lawsuit against […]

    Equity Analysts: Life Insurers Must Address ‘Perceptions of a Rising Interest Rate Environment’

    {July 22nd, 2014} by Fran Matso Lysiak

    OLDWICK, N.J. – Policyholder behavior, as it is affected “by perceptions of a rising interest rate environment,” is a significant concern to equity analysts with Sandler O’Neill, a concern that life insurers must address, they wrote in a research note previewing second-quarter earnings for the industry. Interest rates declined during the second quarter, the equity […]

    5 reasons to attend the Advisor Network Summit in Las Vegas

    {July 15th, 2014} by Van Mueller

    The place to be August 13-15 will be the Advisor Network Summit in Las Vegas. The timing of this meeting is crucial. We are approaching a financial catastrophe. CLICK HERE TO READ “— Sheryl Moore: The annuities expert. I read everything she writes, and I even have a Sheryl Moore file. Moore has helped me […]

    Society for Annuity Facts and Education (SAFE), Inc. Elects New Officers

    {July 2nd, 2014} by Siobhan McNulty

    Washington, DC – The Society for Annuity Facts and Education, Inc. (SAFE) is proud to announce its newly-elected Officers. Sheryl J. Moore has been elected to the position of SAFE President; Lowell Aronoff has been elected to the recently-added position of SAFE Vice President. Both will serve in their positions through December 2015. Ms. Moore, […]

    Moore elected to lead annuity trade group

    {June 30th, 2014} by N/A

    The Society for Annuity Facts and Education Inc. announced it has elected Sheryl Moore as its president. Moore, president and CEO of Moore Market Intelligence and Wink Inc. in Pleasant Hill, specializes in market research in the indexed annuity and indexed life insurance businesses. The organization also elected Lowell Aronoff, CEO of CANNEX Financial Exchanges […]

    Society for Annuity Facts and Education (SAFE), Inc. Elects New Officers

    {June 27th, 2014} by SAFE

    Washington, DC (June 27, 2014) – The Society for Annuity Facts and Education, Inc. (SAFE) is proud to announce its newly-elected Officers. Sheryl J. Moore has been elected to the position of SAFE President; Lowell Aronoff has been elected to the recently-added position of SAFE Vice President.Both will serve in their positions through December 2015. […]

    Update: Wink CEO: Indexed Universal Life is ‘Toeing the Line’ for All Sales of Universal Life

    {June 24th, 2014} by Fran Matso Lysiak

      PLEASANT HILL, Iowa – First-quarter 2014 sales of indexed universal life insurance in the United States rose to $330.3 million, up 3.6% from the same period a year ago, according to Wink Inc., a firm that tracks the data. The first quarter was off to a slow start as sales of individual life insurance […]

    Industry Devotes June To Annuity Awareness

    {June 17th, 2014} by Cyril Tuohy

    The Society for Annuity Facts & Education (SAFE), a nonprofit with the aim of educating consumers about annuities, has joined with an industry coalition to declare June as Annuity Awareness Month. Hardly a day goes by without dire warnings about underfunded retirements and people outliving meager savings, according to members of the coalition made up […]

    Game Changers

    {June 13th, 2014} by Angelo John Lewis

    A new generation of annuity products reflects the industry’s reaction to the financial crisis:  GameChangers

    501(c)(3) Tax-Exempt Status Granted to the Society for Annuity Facts and Education (SAFE), Inc.

    {June 11th, 2014} by Press Release

    Washington, DC (April 8, 2014) – The Society for Annuity Facts and Education, Inc. (SAFE) is proud to announce it has been granted tax-exempt status as a charitable organization dedicated to educational purposes under Section 501(c)(3) of the United States Internal Revenue Code. SAFE serves as a resource for consumers to learn in a fact-based […]

    FIA Sales Off At Athene, Rock At Allianz

    {June 3rd, 2014} by Linda Koco

    Athene USA tried to hold its ground in first quarter 2014 fixed index annuity sales. It sold more than $571.8 million, qualifying it to be one of the quarter’s top five sales leaders, according to Wink, Inc. However, the carrier still registered a sales decline from the previous quarter and also from first quarter last […]

    Wink: First-Quarter US Sales of Indexed Annuities Up 38.6%; Average Commission to Agents Rises

    {May 27th, 2014} by Fran Matso Lysiak

    PLEASANT HILL, Iowa – Total sales of indexed annuities in the United States jumped 38.6% in the opening quarter of 2014 from the same period a year ago, as the average commission to sales agents rose 5.8%, up slightly from last quarter’s average, according to Wink Inc. This represented the first increase in the average […]

    The top 10 indexed annuity carriers Q1 2014

    {May 27th, 2014} by Daniel Williams

    According to a [Wink’s Sales & Market Report] market report, indexed annuity sales hit nearly $10.9 billion in the first quarter. That number was a huge jump over the $7.8 billion sold in the same time a year ago, but down 6 percent from Q4 2013. In a blog posted by Sheryl J. Moore, President […]

    501(c)(3) Tax-Exempt Status Granted to the Society for Annuity Facts and Education (SAFE), Inc.

    {May 13th, 2014} by AnnuityOutlook

    Washington, DC (April 9, 2014) – The Society for Annuity Facts and Education, Inc. (SAFE) is proud to announce it has been granted tax-exempt status as a charitable organization dedicated to educational purposes under Section 501(c)(3) of the United States Internal Revenue Code. SAFE serves as a resource for consumers to learn in a fact-based […]

    Adopting the NAIC Model

    {May 6th, 2014} by Fran Matso Lysiak

    State action on annuity sales suitability is predicted for 2014 following the Federal Insurance Office report. Source: Best’s Review (March 2014 Issue)The annuity industry is gearing up for action in the states on annuity sales suitability laws after the release of the Federal Insurance Office’s report recommending that every state adopt and enforce the National […]

    24 most creative people in insurance

    {April 29th, 2014} by Vanessa De La Rosa, Noah Guillaume, Emily Holbrook, Nichole Morford, Paul Wilson

    Insurance is an industry that depends upon data to accurately assess and manage risk. It is inherently a cautious business — and slow to change, many would add. But it is also a business designed to problem-solve, to engineer, to market and sell customized solutions to a consumer base that needs its products more than […]

    Indexed annuities had record sales in 2013

    {April 24th, 2014} by Victor Epstein

    The indexed annuities industry benefited from surging stock markets in 2013, which helped boost its annual sales to a new record for the fifth consecutive year. The industry, which has a heavy presence in the Des Moines area, reported that its annual sales rose 13.4 percent from the prior year to $38.7 billion, according to […]

    Gay advocacy group calls 2014 “watershed year” for corporate America

    {April 24th, 2014} by Victor Epstein

    Larry Zimpleman, chief executive officer of the Principal Financial Group, established himself as one of the gay community’s corporate allies this week, during a company-wide screening of a video supporting gay, lesbian and transgender employees and teens. Insurance companies and their CEOs have a reputation for being conservative, but Zimpleman indicated that he believes the […]

    Why FIA Sales Galloped To New Records

    {April 8th, 2014} by Linda Koco

    Fixed index annuities put the pedal to the metal in 2013. The major annuity researchers show sales premium for the products ringing in very close to $40 billion, a new record. In fact, this was the fifth consecutive record-setting year for fixed indexed annuity (FIA) sales, according to Sheryl J. Moore, president and chief executive […]

    The Great Life-Insurance Temptation

    {April 4th, 2014} by Leslie Scism at leslie.scism@wsj.com

    Life-insurance policies have gotten a surprising sales boost from a rising stock market. But if share prices sag, customers could be in for a shock. The recent rally has increased the appeal of two types of life insurance that link benefits to stocks: “variable universal life” and “indexed universal life.” Last year, when the S&P […]

    Trends in Regulatory Oversight – Part 1: “The Battle Over Standard of Care”

    {April 1st, 2014} by Kim OBrien

    Message From President I have never been much of a conspiracy theorist. In fact, those who know me would probably peg me as a Pollyanna of all things positive. However, there is no doubt here at NAFA that our fight to protect the fixed annuity didn’t end with Rule 151A. And for those who think […]

    Wink CEO: Indexed Annuities Made Up Nearly 46% of All US Fixed Annuity Sales in 2013

    {March 25th, 2014} by Fran Matso Lysiak

    PLEASANT HILL, Iowa – As sales rose for the fifth consecutive year in 2013, indexed annuities also made up nearly 46% of all fixed annuity sales, while two of the top five companies are now owned by private-equity firms, according to the chief executive officer of Wink Inc. Total sales of indexed annuities in the […]

    Indexed annuities had record sales in 2013

    {March 18th, 2014} by Victor Epstein

    The indexed annuities industry benefited from surging stock markets in 2013, which helped boost its annual sales to a new record for the fifth consecutive year. The industry, which has a heavy presence in the Des Moines area, reported that its annual sales rose 13.4 percent from the prior year to $38.7 billion, according to […]

    U.S. indexed annuity sales reach record $36.8 billion in 2013

    {March 16th, 2014} by N/A

    Indexed annuity sales in the United States reached another record in the fourth quarter, with sales of $11.5 billion, a more than 35 percent increase from the year-earlier period, according to the newest edition of Wink’s Sales & Market Report, which tracks the industry. Annual indexed annuity sales also reached a record $36.8 billion, a […]

    IA Sales Continue Breaking Records

    {March 13th, 2014} by Wink

    Pleasant Hill, Iowa. March 13, 2014- Forty-four indexed annuity carriers participated in the 66th edition of Wink’s Sales & Market Report, representing 99.8% of indexed annuity production. Total fourth quarter sales were $11.5 billion. In reviewing fourth quarter indexed annuity sales, production was up nearly 15.0% when compared to the previous quarter, and up more […]

    Allianz Life profits up 10 percent in 2013

    {March 4th, 2014} by Jennifer Bjorhus

    Rising interest rates are making annuities more attractive. Higher interest rates drove a turnaround for annuities in 2013, boosting profits at Allianz Life Insurance Co. of North America. Operating profits at Allianz Life jumped 10 percent last year to $646 million, the Wayzata-based company said Thursday. Total premiums, or sales, climbed 4 percent from a […]

    IAs: Reaching New Heights Of Potential?

    {February 18th, 2014} by Cyril Tuohy

    You can’t fault insurance carries for wanting to promote their products by using a little branding hyperbole. Words like “secure,” “income” and “protection” figure prominently in the marketing materials of life and annuity companies. After all, that’s what life and retirement insurers are there for: to protect families from longevity risk and unexpected calamities. Now, […]

    Why producer payouts are on the rise

    {January 7th, 2014} by Warren S. Hersch

    Pundits commonly measure the life insurance industry’s financial health and success in terms of product sales, top-line revenue, operating income and other measures that impact the bottom line. Less commonly used yardsticks are the amounts in commission paid to the companies’ agents and brokers.  If guided by this benchmark — albeit one limited to compensation paid […]

    New year could bring a boon for annuities

    {December 31st, 2013} by N/A

    Higher taxes may drive interest in variable and indexed annuities; potential of rising rates could inspire new products Next year could be a big one for variable and indexed annuities, both in terms of sales and product development, as new tax and interest rate realities sink in. This year set what appeared to be a […]

    Sheryl J. Moore on the current success of indexed insurance products

    {November 24th, 2013} by Paul Wilson

    Despite a historically low interest rate environment and other challenging market conditions, indexed annuities recently reached record sales. In the interview below, indexed insurance product expert Sheryl Moore explains why, and exactly what it means to the insurance industry. Additionally, she talks about indexed life insurance sales, the challenges faced by those who sell IUL, […]

    Wink CEO: US Sales of Indexed Annuities Gaining Traction in Banks

    {November 24th, 2013} by Fran Lysiak

    Best’s News Service – November 21, 2013 10:52 AM PLEASANT HILL, Iowa – Total third-quarter 2013 sales of indexed annuities in the United States increased to $10 billion, up 15% from the same period a year ago, according to Wink Inc. Sheryl J. Moore, president and chief executive officer of Moore Market Intelligence and Wink, […]

    Why indexed annuities are so hot now: NAILBA 32

    {November 24th, 2013} by Paul Wilson

    Despite a historically low interest rate environment and other challenging market conditions, indexed annuities recently reached record sales. In the interview below, indexed insurance product expert Sheryl J. Moore explains why, and exactly what it means to the insurance industry. Additionally, she talks about indexed life insurance sales, the challenges faced by those who sell […]

    Digging into IUL at NAILBA 32

    {November 23rd, 2013} by Emily Holbrook

    Among the numerous sessions offered today at the annual NAILBA conference was one focusing on Indexed Universal Life (IUL). Speaking on the topic were Alan Grissom of S&P Dow Jones Indices and Dick Weber from The Ethical Edge Inc. Both are equally knowledgeable in the field. Click here to read…

    Iowa annuity companies’ sales contribute to record $10 billion quarter

    {November 23rd, 2013} by Joe Gardyasz

    U.S. insurers sold $10  billion in indexed annuities in the third quarter, more than any previous  quarter in the industry’s history, according to an analysis released Friday.  More than 10 percent of that record sales total was attributable to West Des  Moines-based American Equity Investment Life Holding Co., which topped $1  billion in sales for […]

    Indexed Annuities See Jaw-Dropping Sales

    {November 21st, 2013} by Linda Koco

    Perhaps the biggest jaw-dropper in the past week was Wink, Inc.’s report that indexed annuity production broke yet another record, with sales hitting $10 billion for the quarter. It is one of many recent annuity developments that provide clues to fixed and variable annuity trends that advisors and carriers and are facing or soon will […]

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