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Archive for July 2019


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  • Latest Ally Invest Survey: Volatile Markets Attract Millennial “Buyers”

    {July 16th, 2019} by Ally Financial

    CHARLOTTE, N.C., July 11, 2019 /PRNewswire/ — According to a new survey from Ally Invest, the majority of independent investors (54%) said they hold onto their investments when large market disruptions occur, while a still significant number (41%) said they take advantage of these market inflections to buy and add to their investment portfolio. Only five percent of […]

    Best’s Special Report: Insurers Create New Types of Coverage for Mass Shooting Attacks

    {July 16th, 2019} by Best's Insurance News & Analysis

    Oldwick – In the wake of a marked increase in mass shootings in the United States in recent years, more insurers have responded to rising demand and have begun offering active assailant insurance coverage, which carries unique features over traditional general liability policies, including risk assessment and crisis management services. The new Best’s Special Report, titled, “Insurers […]

    Lafayette Life Enhances Customer Experience With iPipeline’s E-Delivery Product

    {July 16th, 2019} by iPipeline

    iPipeline® – a leading provider of cloud-based software solutions for the life insurance and financial services industry – today announced The Lafayette Life Insurance Company, a Cincinnati-based provider of life, annuity, retirement and pension products, has selected DocFast® e-Delivery to enhance its digital customer experience. DocFast® streamlines and improves the customer communication experience by digitally […]

    Heating Up: Hotter Earth Drives Dollars To Sustainable Funds

    {July 16th, 2019} by Associated Press

    NEW YORK (AP) — This year is on pace to be one of the hottest on record, again, and the trend may only accelerate as President Donald Trump loosens policies meant to combat climate change. That has some investors feeling anger, but others are seeing dollar signs. They’re envisioning profits made by companies targeting opportunities […]

    Americans on Edge As Market Continues Volatile Trajectory

    {July 16th, 2019} by Allianz

    Allianz Life Quarterly Market Perceptions Study Shows Americans Increasingly Fear Big Market Drops and Want to Protect Retirement Savings Key Findings Snapshot: More Americans say they fear a major recession (48% in Q2/46% in Q1/44% in 2018) or major market crash (47% in Q2/46% in Q1/42% in 2018) Only 31% of Americans said they are […]

    Opinion: 401(k) retirees won’t buy annuities unless they are better designed

    {July 16th, 2019} by Robert C. Pozen

    In an unusual bipartisan effort, Congress is close to passing the SECURE Act (Setting Every Community Up for Retirement Enhancement). In a key provision, the Act encourages employers sponsoring 401(k) plans to offer retirees the chance to convert their plan balances into annuities with monthly payments for the rest of their lives. In specific, the […]

    Athene Launches its First Registered Index-Linked Annuity with Athene Amplify

    {July 16th, 2019} by Athene

    WEST DES MOINES, Iowa–(BUSINESS WIRE)–Athene USA (“Athene”), a leading provider of retirement savings products, announced the launch of Athene® Amplify, a registered index-linked annuity (RILA) with design features that set it apart in a fast-growing product category. Athene® Amplify is issued by Athene Annuity and Life Company (“AAIA”), a subsidiary of Athene. The new Athene® Amplify annuity complements […]

    Adviser compensation is the challenge with fee-based annuities

    {July 16th, 2019} by Greg Iacurci

    Fee-based annuities are becoming more popular, but there’s a thorny issue that could limit their uptake and negatively affect clients: the question of how an adviser is paid to help manage the annuity. Click here to read the full article via Investment News.

    Cetera BD to Drop FINRA Registration

    {July 16th, 2019} by Janet Levaux

    One of Cetera Financial Group’s broker-dealer firms is dropping its BD registration. Summit Brokerage, which has about 450 affiliated financial advisors with some $17.5 billion in assets, should soon become part of Cetera Advisor Networks. According to Cetera, Summit’s move to no longer register with the Financial Industry Regulatory Authority (FINRA) and instead operate as […]

    Best & Worst BDs for Advisors: J.D. Power — 2019

    {July 16th, 2019} by Janet Levaux

    This year’s J.D. Power U.S. Financial Advisor Satisfaction Study includes a mix of good and bad news. On the upside, the average satisfaction score for both employee and independent advisors improved over 2018. This is true for the majority of employee broker-dealers and indie BDs. However, the survey finds that wealth management firms have much […]

    Is Edelman Financial Engines’ New Offering a Threat to Rollovers?

    {July 16th, 2019} by Nick Thornton

    When it was announced last spring that Hellman & Friedman, the private equity firm that already owned a majority stake in Edelman Financial Services, was throwing down $3 billion in cash to take 401(k) provider Financial Engines private, one prominent industry voice predicted the deal would present an existential threat to trillions of dollars in potential IRA […]

    How Well Do Insurers Understand Their Customers?

    {July 16th, 2019} by Denise Garth

    Demographic pundits are curious about how Europe is going to survive economically in the year 2050. The population in all European countries will be in dramatic decline. Many who are within the population will be too old to be working in the economy, and there will be a decreased capability to produce the products that […]

    Leveraging Home Equity Against The Longevity Risk

    {July 16th, 2019} by Don Graves, RICP, CLTC, CSA

    With the current retirement income crisis facing baby boomers, advisors need every viable resource to help their clients and sustain their practice. Reverse mortgages have become one such resource. Historically, the financial services community has either dismissed the reverse mortgage or relegated it to use as a last resort. However, much has changed in the […]

    SBLI Simplifies Accelerated Underwriting Program with iPipeline

    {July 16th, 2019} by iPipeline

    iPipeline® – a leading provider of cloud-based software solutions for the life insurance and financial services industry – today announced SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts) has implemented iGO® Drop Ticket to simplify its Accelerated Underwriting program for independent agents and their customers. Over 250 distributors are currently participating in SBLI’s […]

    NAIC Steps Up Online Life Insurance Awareness Campaign

    {July 16th, 2019} by John Hilton

    The National Association of Insurance Commissioners plans to give agents an engaging online resource to help educate clients on life insurance products. While website educational tools by themselves are not unusual, the NAIC can provide uniformity with a 50-state reach, said Laura Kane, director of communications for the association. The idea is to create tools […]

    Lawsuits Over Disputed Ohio National Trails Moving Again

    {July 16th, 2019} by John Hilton

    After months of tepid activity, a trio of lawsuits to recover trail commissions on specific variable annuities offered by Ohio National are moving ahead briskly. The lawsuits are filed in the Southern District of Ohio. They are three of many challenges to a September 2018 decision by Ohio National to stop paying trail commissions on […]

    Life Insurance Applications Up Sharply In June, MIB Reports

    {July 16th, 2019} by Talia Chaffee

    U.S. life insurance application activity rose 3.3% in June year over year, nudging the MIB Life Index above par on a year-to-date basis for the first time since last February. June’s performance was the strongest monthly percent gain of 2019, ending the third consecutive month of slowly increasing year-over-year activity in what was an uneven […]

    Departure of Alexander Acosta could slow DOL effort to revise fiduciary rule

    {July 16th, 2019} by Mark Schoeff Jr.

    The resignation of Labor secretary Alexander Acosta on Friday could delay the agency’s release of a replacement for its fiduciary rule. Click HERE to read the full story via InvestmentNews.

    LPL partners with Nationwide on 401(k) training for bank channel advisers

    {July 16th, 2019} by Greg Iacurci

    LPL Financial has just concluded a pilot program with record keeper Nationwide to train LPL financial advisers in banks and credit unions to do retirement plan business, with the hope of ultimately capturing more small-market 401(k) clients. Click HERE to read the full story via InvestmentNews.

    CFP Board to announce possible delay of new fiduciary standard

    {July 16th, 2019} by Bruce Kelly

    The Certified Financial Planner Board of Standards Inc. will announce by next week whether it intends to delay enforcing an expanded fiduciary standard for financial advisers who hold the group’s CFP mark. Click HERE to read the full story via InvestmentNews.

    Schwab’s Subscription Advisory Service Attracts $1 Billion in Less Than 4 Months

    {July 16th, 2019} by Bernice Napach

    Schwab’s new subscription-based digital advisory service is a big hit, attracting $1 billion in new assets under management since it was introduced a little over three months ago. Schwab Intelligent Portfolios Premium, introduced March 28, has also seen a 25% increase in account openings, a 40% increase in average household assets enrolled and a 37% […]

    Millennial women and finances: Study yields surprising results

    {July 16th, 2019} by Mark Schoeff Jr.

    If any generation would have strong feminist tendencies, it would seem to be the millennials. They grew up seeing women gain power and influence. Click HERE to read the full story via InvestmentNews.

    Longevity Risk Protection Is a Global Mess: Idea File

    {July 16th, 2019} by Allison Bell

    Seth Rachlin is helping Capgemini and Efma promote a report that contains an important idea: The people of the world are much less likely to think they are well-protected against longevity risk than against health cost risk, or against climate-change risk. Capgemini is a consulting firm, and Efma is a Paris-based group for banks and insurers. […]

    Maybe Guaranteed Access to Money Can Buy Some Happiness: Idea File

    {July 16th, 2019} by Allison Bell

    Sri Reddy is one of the executives who’s helping U.S. life insurers promote the idea that retirement income guarantees matter. Reddy is a senior vice president in retirement and income solutions at Principal. He’s in charge of the company’s retail annuity and pension risk transfer operations. He has helped lead the effort to promote a white […]

    Advisers scramble to help retirees navigate looming Fed rate cut

    {July 16th, 2019} by Jeff Benjamin

    For the first time in more than a decade, financial advisers are having to prepare client portfolios for an interest rate cut by the Federal Reserve, and the general consensus of advice is to try and not panic. Click HERE to read the full story via InvestmentNews.

    Schwab Aims to Buy USAA Brokerage Business: Report

    {July 16th, 2019} by Janet Levaux

    Charles Schwab is trying to purchase USAA’s brokerage and wealth management business, according to a report Monday in the Wall Street Journal. Schwab is said to be offering about $2 billion for the unit, which includes some $100 billion of assets. The news comes on the heels of USAA’s sale of its asset-management business, including mutual […]

    Nationwide Names John Carter as Financial Services President-Elect

    {July 11th, 2019} by Nationwide

    COLUMBUS, Ohio, July 10, 2019 /PRNewswire/ — John Carter has been named as the President and Chief Operating Officer-elect of Nationwide’s financial services business lines, effective immediately. Carter succeeds Kirt Walker, who will become Nationwide’s next Chief Executive Officer in October. Reporting to Walker, Carter will oversee the company’s retirement plans, life insurance (individual, business and corporate-owned), annuities and […]

    Best’s Commentary: SECURE Act Offers Opportunities for Annuity Providers

    {July 11th, 2019} by AM Best

    Oldwick – AM Best believes that legislation to bolster retirement security that is making its way through Congress would expand market opportunities for the retirement and employee benefit segments of the U.S. life industry. The Setting Every Community Up for Retirement Enhancement Act (SECURE Act) recently passed in the U.S. House of Representatives and now heads to […]

    A New Category Of Fee-Based Insurance For A New Approach To Holistic Planning

    {July 9th, 2019} by CRAIG HAWLEY

    June 28th is National Insurance Awareness Day. As the day draws near, consider the ways a new category of fee-based insurance—expressly re-engineered to fit the way RIAs and fee-based advisors work—can help you offer clients a new approach to holistic financial planning. Whether they are saving for retirement, generating retirement income or making plans to leave […]

    What Type of Annuity Is Best For Me?


    Well, it depends … on when you want your payments, what kind of a guarantee you are looking for and whether you’re willing to take a little risk to pursue a possibly higher return. Breaking annuities down to their basics could help steer your decision. Click HERE to read the full story via Kiplinger.

    One of St. Louis’ largest companies inks $2.9B deal

    {July 9th, 2019} by Greg Edwards

    Reinsurance Group of America Inc. (NYSE: RGA) has reinsured $2.9 billion in annuities for Horace Mann Life Insurance Co., based in Springfield, Illinois. The transaction closed Monday and will take effect April 1, 2019. Horace Mann is a subsidiary of Horace Mann Educators Corp. (NYSE: HMN), the largest provider of insurance and retirement services for U.S. educators […]

    North Carolina Regulators Seize Control of Life Insurers Owned by Greg Lindberg

    {July 9th, 2019} by Leslie Scism and Mark Maremont

    North Carolina’s insurance department on Thursday took control of a group of troubled life insurers owned by indicted entrepreneur Greg Lindberg. Mr. Lindberg was arrested in April on federal criminal charges of conspiring to bribe the state’s insurance commissioner to obtain more favorable regulatory treatment. In February, The Wall Street Journal reported that Mr. Lindberg had lent at least […]

    Getting to know our VA Ambassador

    {July 9th, 2019} by Wink's RockStars

    THE ONLY BLOKE RESEARCHING ANNUITIES AT WINK. Peter J. Lamond is the VA Ambassador and the only thing more impressive than his knack for variable annuities (VAs) is his Australian accent. While Wink’s newest member isn’t the first man to brave Wink’s day-to-day operations, he has more experience than most of the Wink staff combined. Duly-licensed and ready […]

    Seven Ways It Should Be Easier To Buy An Annuity

    {July 9th, 2019} by Matt Carey

    Insurers still aren’t doing enough to modernize the process of buying an annuity. This creates a vicious cycle — longer time spent by agents on a time consuming process that yields an inadequate customer experience, which leads to lower conversion-to-sales rates, which lead to the need for higher compensation in order for agents to justify […]

    AM Best Changes Credit Ratings of Colorado Bankers Life Insurance Company and Bankers Life Insurance Company Following Regulatory Action

    {July 9th, 2019} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has removed from under review with negative implications and changed the Financial Strength Rating (FSR) to a Non-Rating Designation of E (Under Regulatory Supervision) from B++ (Good) and the Long-Term Issuer Credit Rating to “e” from “bbb” of Colorado Bankers Life Insurance Company (CBL) (Durham, North Carolina). Concurrently, AM Best has removed […]

    Hueler income annuity platform now open to all

    {July 9th, 2019} by Editorial Staff

    Income Solutions, the Hueler Companies’ income annuity distribution platform available for the past decade mainly to Vanguard’s institutional 401(k) and retail participants, is now available to the broad public. Click HERE to read the full story via Retirement Income Journal. 

    FIAs for Retirement Income (Why Not?)

    {July 9th, 2019} by Kerry Pechter

    To equip a 55-year-old with a fixed index annuity (FIA) so he can flip on an income stream in 10 years isn’t so different from advising him to buy 10-year bonds today and swap them for a life annuity in 10 years. Click HERE to read the full story via Retirement Income Journal. 

    Wink to Report Indexed Product Sales by Index

    {July 9th, 2019} by Allison Bell

    Here’s one sign of how big of a deal investment indexes now are in the world of U.S. life insurance and annuity products: Wink Inc. says it will be offering an index-based sales report. The Des Moines, Iowa-based company has been publishing life and annuity product sales data since 1997. In recent years, consumer groups, policymakers and some financial […]

    Massachusetts Finalizes Fee Table for RIA Firms

    {July 9th, 2019} by Bernice Napach

    Less than six months from now, advisors registered in Massachusetts will be required to provide clients and prospective clients a one-page standalone table for fees for services, which must also be easily accessible on the advisor’s website if he or she has one. The fee table “is intended to supplement, not replace, a more detailed […]

    New York lawmaker works on bill to establish fiduciary duty for advisers in state

    {July 9th, 2019} by Mark Schoeff Jr.

    A New York lawmaker is working on legislation to raise investment advice requirements in the state. Click HERE to read the full story via InvestmentNews.

    Oxford Life Introduces Agent-Friendly Tool for Calculating Annuity and Life Insurance Plans

    {July 9th, 2019} by Oxford Life Insurance Co.

    PHOENIX, July 8, 2019 /PRNewswire/ — A practical new calculator is helping independent agents show their annuity and life insurance clients the tax benefits of two products over one. The Prosperity Select Combo Calculator, created by Oxford Life Insurance Company®, offers an instant comparison of the after-tax value of an annuity purchase versus the after-tax value of an annuity-life […]

    How Charitable Giving Helps Advisors Stand Out

    {July 9th, 2019} by Jarrod Upton

    The media has given charitable giving center stage with Mackenzie Bezos’ recent announcement that she will give half of her $37 billion fortune to charity. But it’s not only billionaires who are concerned about doing good with their money. In 2017, Americans gave over $400 billion to charity—the first time the $400 billion mark was crossed in history. […]

    NAIFA Presents Leadership Nominations

    {July 9th, 2019} by Marlene Satter

    The National Association of Insurance and Financial Advisors’ Committee on Governance has announced nominations for the organization’s leadership positions for the election to be held at the NAIFA Performance + Purpose 2019 conference in Orlando from Sept. 11 to 14. Lawrence Holzberg, managing director, advance sales director at Wealth Advisory Group New York (WAG), a […]

    The Changing Face of Wealth: An Opportunity for Advisors?

    {July 9th, 2019} by Roy Urrico

    What factors contribute to the changing face of wealth? Today, “baby boomers [comprise] 55% of the wealth and affluent market, the Silent Generation represents an additional 15% of the market.” Those are some of deductions reached by the Silicon Slopes, Utah-based data optimization provider MX in an infographic it distributed. MX noted the distribution of wealth will […]

    Client longevity is advisers’ top retirement planning concern

    {July 9th, 2019} by James Gallardo

    Individuals who pay for financial advice generally are feeling positive about their ability to prepare for their post-working days. Click HERE to read the full story via InvestmentNews.

    Finra arbitrators award $1.8 million to former USAA brokers for wrongful termination

    {July 9th, 2019} by Mark Schoeff Jr.

    Finra arbitrators awarded $1.8 million to brokers who claimed they were wrongfully fired by USAA Financial Advisors. Click HERE to read the full story via InvestmentNews.

    Congress’ new SECURE Act bill is the most significant retirement plan legislation in years

    {July 9th, 2019} by Erin Arvedlund

    In May, the U.S. House of Representatives passed the most significant retirement-savings bill in more than a decade. It’s called the Setting Every Community Up for Retirement Enhancement, or the SECURE Act of 2019. Let’s take a closer look at what those mean. Click HERE to read the full story via The Philadelphia Inquirer. 

    The Standard Charitable Foundation Announces Four Grants to Nonprofits

    {July 9th, 2019} by The Standard

    PORTLAND, Ore.–(BUSINESS WIRE)–The Standard Charitable Foundation, Standard Insurance Company’s charitable foundation announced four grants totaling $60,000. “At The Standard, we believe it’s important to support nonprofit organizations that increase community health and livability” “At The Standard, we believe it’s important to support nonprofit organizations that increase community health and livability,” said Greg Ness, president of […]

    Lincoln Financial Group Named a Forbes Best Employer for Women for Second Year in a Row

    {July 9th, 2019} by Lincoln Financial Group

    RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial Group (NYSE: LNC) announced today that it has been named one of the Forbes America’s Best Employers for Women for the second year in a row. The company ranks #68 among 300 employers on the list, and the achievement follows its recent inclusion on this year’s Forbes Best Employers in America list. “The majority of […]

    It’s about to get easier for millions of California workers to save for retirement

    {July 9th, 2019} by Tanza Loudenback

    Saving for retirement just got easier for millions of Californians. Beginning July 1, workers at California companies with no employer-sponsored retirement plan may be able to contribute part of their paycheck to an individual retirement account (IRA) through a new program called CalSavers. The program began its pilot phase last fall, offering Roth IRAs to employees at participating companies. Since […]

    Principal Completes Acquisition of Wells Fargo Institutional Retirement & Trust Business

    {July 8th, 2019} by Principal Financial Group

    Acquisition includes Wells Fargo’s defined contribution, defined benefit, executive deferred compensation, employee stock ownership plans, institutional trust and custody and institutional asset advisory businesses Doubles Principal U.S. retirement businessi and expands on its trust & custody and discretionary asset allocation capabilities Integration work underway with leader appointments and location commitments July 01, 2019 10:21 AM Eastern […]

    Judge Recommends Throwing Out Ohio National’s Motion To Dismiss Class Action

    {July 8th, 2019} by InsuranceNewsNet

    A magistrate judge for the Southern District of Ohio recommended that a motion by Ohio National Life Insurance to dismiss a class action lawsuit against it involving the termination of trail commissions on certain variable annuities be denied, according to court documents. Judge Stephanie Bowman issued the report last week in a class action suit filed […]

    Nature Conservancy’s Dave Jones: Insurers Could Benefit From Impact Investing

    {July 8th, 2019} by Best's Insurance News & Analysis

    SINGAPORE – Dave Jones, senior director at The Nature Conservancy and California’s former insurance commissioner, said insurers should consider investing in environmental reclamation projects that sell credits into cap and trade markets. He spoke with AM BestTV at the Global Insurance Forum. Following is an edited transcript of the interview. Q: What is the Nature […]

    Poll: 1 in 4 don’t plan to retire despite realities of aging

    {July 8th, 2019} by ANDREW SOERGEL

    CHICAGO (AP) — Nearly one-quarter of Americans say they never plan to retire, according to a poll that suggests a disconnection between individuals’ retirement plans and the realities of aging in the workforce. Experts say illness, injury, layoffs and caregiving responsibilities often force older workers to leave their jobs sooner than they’d like. According to […]

    AIG promotes 2 presidents to CEO positions

    {July 8th, 2019} by Robert Steyer

    Todd Solash, president, individual retirement at AIG Life & Retirement, and Robert Scheinerman, president, AIG Retirement Services, have been named CEOs of their respective businesses, AIG Life & Retirement said Monday. The promotions were announced in conjunction with the retirement of Jana Greer as president and CEO of retirement. Messrs. Solash and Scheinerman, who had reported to Ms. […]

    Active managers putting pressure on index funds

    {July 8th, 2019} by Jeff Benjamin

    It’s too early to claim a revival for active management, but based on the solid performance this year, it might also be premature to give up on active management all together. Click HERE to read the full story via InvestmentNews.

    Americans Are “Somewhat Confident” That They’ll Have Enough Money to Comfortably Retire According to New Survey

    {July 8th, 2019} by Gold IRA Guide

    NEW YORK, July 2, 2019 /PRNewswire/ — A new survey of 1,700 Americans between the ages 25 and 65+ examines their confidence levels with regards to having enough money for a comfortable life during retirement, with some fascinating and shocking results. The study was commissioned by Gold IRA Guide, a renowned online magazine covering alternative investments for IRA and 401k account holders. Survey […]

    How Kindness Changes Lives, Builds Business

    {July 8th, 2019} by John Hilton

    SAN DIEGO — Plenty of conference speakers talk about changing the world, but Matt Irvine brought receipts. Speaking at the National Association of Health Underwriters’ annual convention, Irvine, a sales vice president at HealthEquity, shared stories of giving and receiving life-changing interactions. He began with his own rock-bottom story: penniless, homeless and carless 23 years […]

    Women whose spouses control the finances may be putting themselves, their families at risk

    {July 8th, 2019} by Mark Schoeff Jr.

    Over 40 years of marriage, one of Stacy Francis’ clients took a back seat to her husband when it came to the family’s investments and finances. Click HERE to read the full story via InvestmentNews.

    Guardian Life Insurance Company of America Expands Executive Team

    {July 8th, 2019} by Kate Sullivan

    NEW YORK – The Guardian Life Insurance Company of America said Brian Scanlon will join the company in a newly created role as executive vice president of business development and chief marketing officer. The purpose of Scanlon’s role is to enhance delivery of products, services and communications that meet consumers’ financial needs, Guardian said in […]

    MassMutual, CommonBond Offer Student Loan ReFi Plan: Portfolio Products

    {July 8th, 2019} by Bernice Napach

    Massachusetts Mutual Life Insurance Co. has teamed up with CommonBond to offer a new student loan refinancing program through MassMutual’s network of 9,000 financial advisors across the U.S. Both undergraduate and graduate loans can be refinanced through this program, including federal, private, Parent Plus and previously consolidated loans. Borrowers can choose variable or fixed rates and […]

    Gary Shilling: The Recession May Have Already Begun

    {July 8th, 2019} by Bernice Napach

    A U.S. recession “may already be underway,” and the bond market rally that began in the early 1980s is still intact, says Gary Shilling, founder of the investment advisory firm A. Gary Shilling & Co. In his latest Insight report released just before Friday’s stronger-than-expected jobs report, Shilling writes that the 10-year Treasury note yield […]

    Arizona Sets Insurance Rules for Living Organ Donors

    {July 8th, 2019} by  Joseph D’Allegro

    A new Arizona law may affect how life insurers in the state do business with a consumer who has donated a kidney or another organ to another person. The new legislation— an amendment to the state Unfair Insurance Practices law — applies to any state resident who donates an organ to another living person. The […]

    Reg BI: How rollovers are changing under the new SEC rules

    {July 8th, 2019} by Greg Iacurci

    The Securities and Exchange Commission in early June made the most significant changes to investment-advice standards in more than two decades — and rollovers were no exception. Click HERE to read the full story via InvestmentNews.

    ‘We Are Part of the Problem’: Billionaires and Heirs Demand Wealth Tax

    {July 8th, 2019} by Tom Metcalf and Suzanne Woolley

    They’re an eclectic bunch — some of the nation’s most privileged heirs alongside entrepreneurs who have made spectacular fortunes in real estate, finance and Silicon Valley. But collectively they’re united on the need to tax more of the richest Americans’ assets. George Soros, heiresses to the Pritzker fortune, Abigail Disney and Facebook Inc. co-founder Chris […]

    The Rolling Stones Know What You Need: An Annuity

    {July 6th, 2019} by Jeff Sommer

    So it’s come to this: surgery, deferred annuities and rock ’n’ roll. The Rolling Stones, the bad boys of rock in the 1960s and ’70s, are showing their age. In April, the band postponed the start of its North American tour so that Mick Jagger could have surgery, reportedly to replace a damaged heart valve. Now, he is prancing onstage again, and […]

    Why We Should Rethink Joint Payout Elections

    {July 6th, 2019} by July 2019

    When it comes to guaranteed lifetime withdrawal benefits on a fixed indexed annuity, why are joint payouts often left out of the conversation? Click HERE to read the full story via InsuranceNewsNet.

    Investors Are Battening Down the Hatches for a Recession: Wells Fargo

    {July 3rd, 2019} by Michael S. Fischer

    American investors are less optimistic about maintaining household income and reaching their short- and longer-term investing goals than they were a year ago, according to the latest Wells Fargo/Gallup Investor and Retirement Optimism Index, released Tuesday. The index, which measures U.S. investor confidence in the investing climate, fell to 85 for the second quarter, down from […]

    Sammons Financial Group Breaks Ground on New Building for Growing Workforce

    {July 3rd, 2019} by Sammons Financial Group Inc

    WEST DES MOINES, Iowa, June 20, 2019 (GLOBE NEWSWIRE) — Sammons® Financial Group, Inc. (SFG), parent company of Midland National Life Insurance Company® and North American Company for Life and Health Insurance®, broke ground on their new local headquarters and expanded office space. Designed to accommodate the company’s growth for the next 10 to 20 years, the building will provide […]

    American Financial to Change Annuity Performance Reporting

    {July 3rd, 2019} by Allison Bell

    American Financial Group Inc. has decided to change the way it reports on the performance of its Great American Life Insurance Company annuity operations, to adjust for the effects of new financial reporting rules on net income. Accounting bodies and regulators are starting to push publicly traded insurers to include the effects of ups and […]

    BlackRock Examines Ways to Bring Annuities to 401(k)s

    {July 3rd, 2019} by Dawn Lim

    World’s largest money manager has lobbied on key parts of bill making sweeping changes for retirees. Click HERE to read the full story via The Wall Street Journal.

    Adviser regulation caught up in partisan era, making it hard to plan for future

    {July 3rd, 2019} by Mark Schoeff Jr.

    Opponents of the Securities and Exchange Commission’s recently approved investment advice reform — including the SEC member who voted against it — suggest the regulations will be revisited and changed by a new SEC in a Democratic administration. Click HERE to read the full story via InvestmentNews.

    Annuity Issuers Use Death Forecasting Tech: Willis Towers Watson

    {July 3rd, 2019} by Allison Bell

    Many North American life insurers are getting ready to make a lot more use of predictive analytics in forecasting how long people will live. Few of those insurers are making much use of predictive analytics in individual annuity pricing or claim management operations today. Analysts at Willis Towers Watson have published data supporting those conclusions in a […]

    New TIAA Campaign Warns Against ‘Running Out’

    {July 3rd, 2019} by Allison Bell

    As the Senate debates retirement legislation, TIAA is launching a major new brand and “Never Run Out” advertising campaign. The message of the campaign is that users of TIAA’s lifetime income products never run out of retirement income. The campaign conveys the importance of never running out of retirement income by showing situations in which things […]

    Genworth, Oceanwide Agree to Merger Deadline Extension

    {July 3rd, 2019} by Marlene Satter

    Genworth Financial Inc. and China Oceanwide Holdings Group Co. Ltd. have agreed to yet another waiver in their previously announced merger agreement that extends the deadline beyond June 30, 2019. According to Genworth, the delay is necessary to allow time to consider options for disposition of its interest in Genworth MI Canada Inc. The 11th […]

    Americans Lose Trillions Claiming Social Security at the Wrong Time

    {July 3rd, 2019} by Ben Steverman

    Almost all American retirees claim Social Security at the wrong time, a new report estimates, which means they will miss out on a collective $3.4 trillion in benefits before they die. While they can tap their benefits as early as age 62, retirees could boost the size of their checks for every year they wait until age 70, when the maximum […]

    O’er the land of the free and the home of the brave.

    {July 3rd, 2019} by Wink's RockStars

    Happy 4th of July!  The Wink office will be closed July 4th and 5th for an extended holiday.   We wish you a safe and wonderful Independence Day!       

    Harness Wealth Rolls Out Advisor Matchmaking Service for Gen Xers

    {July 2nd, 2019} by Michael S. Fischer

    Harness Wealth, a New York-based wealthtech business that provides individuals access to  financial advice, began offering its platform of services to the public this week. The platform will focus mainly on Gen X mid-career professionals with high earning potential, a group that it said in an announcement has been underserved by existing providers. Harness Wealth […]

    Opportunities for Highly Personal Retirement Income Recipes

    {July 2nd, 2019} by Hearts & Wallets

    (June 25, 2019, Rye, NY) – Sharp contrasts between the expectations of the yet-to-be retired with the realities of current retirees suggest retirement income recipes will mix multiple sources, incorporating work, where possible, and creative use of real estate, according to the latest report by Hearts & Wallets, the source for retail investor data and […]

    Worried About Market Volatility in Retirement? Consider Whole Life Insurance, Report Says

    {July 2nd, 2019} by OneAmerica

    INDIANAPOLIS–(BUSINESS WIRE)–Not having enough assets to generate income in retirement or losing assets because of market downturns are common concerns of those preparing for retirement, but whole life insurance as part of a solid retirement strategy can do more to alleviate those issues than many people might think, a recent report shows. “Integrating Whole Life […]

    Best’s Special Report: Are Life/Annuity Insurers Prepared to Weather Another Economic Downturn?

    {July 2nd, 2019} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–Although many precursors to the 2008-2009 financial crisis are repeating today, AM Best believes the life/annuity (L/A) industry is much more resilient than a decade ago and well-positioned to navigate future challenges. Still, many of AM Best’s concerns in the run-up to the financial crisis exist today, and a new special report looks at how […]

    IBDs with the most female reps

    {July 2nd, 2019} by InvestmentNews

    It’s no secret that women are underrepresented among the ranks of financial advisers. In 2017, Cerulli reported that fewer than 16% of advisers are women. Click HERE to read the full story via InvestmentNews.

    NAIC Working Group Working OT To Finalize Annuity Sales Rules

    {July 2nd, 2019} by John Hilton

    An insurance commissioners’ working group is accepting a new round of comments through July 10 and scheduled two 90-minute conference calls in a bid to finalize an annuity sales rule. The National Association of Insurance Commissioners hosts their summer meeting in Manhattan Aug. 3-6. It would appear that the Annuity Suitability Working Group is trying […]

    LIMRA Survey: Advisors Better Be On Social Media

    {July 2nd, 2019} by Staff and Wire Reports

    LIMRA research shows 27% of Americans prefer to work with an agent or advisor when buying life insurance. New findings from the 2019 Insurance Barometer Study show about 1 in 5 Americans (17%) say they are looking for a financial advisor. Millennials and Generation X consumers are most likely to be among those who are […]

    Morningstar Tweaking Ratings to Emphasize Cost

    {July 2nd, 2019} by Janet Levaux

    Morningstar ratings are set to focus more on costs in the fourth quarter, according to a note it sent to clients Friday. Also, the research firm will make its ratings system tougher for active fund managers and will tweak how it evaluates ESG products. The changes could mean downgrades for some of the 25,000 investment products that […]

    Judge rejects Ohio National motion to throw out case involving variable annuity commissions

    {July 2nd, 2019} by Greg Iacurci

    A broker of LPL Financial Inc. has won an important round of legal sparring with Ohio National Life Insurance Co., with a judge ruling that the broker’s class-action lawsuit over variable annuity trail commissions should move forward. Click HERE to read the full story via InvestmentNews.

    FINRA Study Finds Widening Gaps in Financial Capability

    {July 1st, 2019} by Michael S. Fischer

    The latest findings from the FINRA Foundation’s National Financial Capability Study suggest that key measures of Americans’ financial capability may have plateaued after six year of substantial improvements. For the majority of Americans, financial capability, stability and confidence are no longer improving in step with the economy. The NFCS was first conducted in 2009 and then […]

    Number of New Group Term Lives Covered Falls 7%

    {July 1st, 2019} by Allison Bell

    Life insurers were a little more likely to hold on to existing group term life business in 2018, but they were noticeably less likely to make new group term life sales. Analysts at Gen Re have reported data supporting those conclusions in a summary of results from a survey of 25 U.S. group term life […]

    House Votes to Halt SEC Regulation Best Interest

    {July 1st, 2019} by Melanie Waddell

    The full House approved on Wednesday House Financial Services Committee Chairwoman Maxine Waters’ amendment to block the Securities and Exchange Commission from enforcing Regulation Best Interest. The House voted 227-200 to pass Waters’ amendment along with a package of other changes to HR 3351, the Financial Services and General Government Appropriations Act. The provision would prevent […]

    SEC Reg BI Involves ‘Massive Implementation’ Process: Peirce

    {July 1st, 2019} by Melanie Waddell

    SEC Commissioner Hester Peirce warned broker-dealer executives Thursday to brace for a “massive implementation” process for Regulation Best Interest, and urged attendees to alert the agency quickly to any compliance hurdles. “As I said at the time we adopted the [Reg BI] rule, it’s a very aggressive implementation timeline,” Peirce said at the Securities and […]

    Federal Judge Gives Preliminary OK to Accordia Class Action Settlement

    {July 1st, 2019} by Allison Bell

    A federal court in Illinois has taken a step toward approving a deal that could apply to the owners of 530,000 interest-sensitive life insurance policies who were affected by a life insurance company system conversion effort. Judge Colin Stirling Bruce — a judge in the U.S. District Court for the Central District of Illinois — recently issued […]

    The 2019 Life, Health and Annuity Professional Generational Recognition Program

    {July 1st, 2019} by Allison Bell

    We’ve run a “30 Under 30″ recognition program for several years. The results were great: We got to feature dozens of young life, health and annuity sector professionals who are out there trying to make a living by protecting people against the risks of getting sick, becoming disabled, dying, or outliving their income. But then […]

    Finra suffers net $68.7 million loss despite increased revenue, decreased expenses

    {July 1st, 2019} by Mark Schoeff Jr.

    Finra suffered a net loss of $68.7 million in 2018 despite increasing revenue and declining expenses, according to the regulator’s annual reportreleased Thursday. Click HERE to read the full story via InvestmentNews.

    Retirees lose $3.4 trillion by claiming Social Security too early

    {July 1st, 2019} by Mary Beth Franklin

    Despite all the talk about the value of maximizing Social Security benefits, it seems few retirees are listening. Click HERE to read the full story via InvestmentNews.  

    Insurers bend rule on indexed universal life with new policy features

    {July 1st, 2019} by Greg Iacurci

    Insurers appear to be sidestepping a recent rule meant to tamp down on overly rosy projections of returns in indexed universal life insurance policies via new product features, an alarming trend that may deceive or confuse would-be buyers, advisers said. Click HERE to read the full story via InvestmentNews.

    What’s Behind the ‘Great Unbundling’ of Wealth Management?

    {July 1st, 2019} by Timothy Welsh

    In the world of wealth management, revenue opportunities derive from typical activities. These include advisory fees, mutual fund investments, managed account enrollments, security transactions, platform fees, and other products and services that are neatly bundled in the delivery of financial advice via a human advisor in some form of the financial planning process. Now more […]

    Annuities reign supreme for TIAA as it plans to exit life insurance market

    {July 1st, 2019} by Jason Woleben

    TIAA has reportedly decided to exit the life insurance market at the end of 2019, and an analysis shows that its new individual life insurance premiums have been falling since 2016. Click HERE to read the full story via S&P Global. 

    TIAA exit from life insurance market exposes void for RIAs

    {July 1st, 2019} by Greg Iacurci

    TIAA’s decision to exit the life insurance market by year-end exposes a glaring void, and challenge, for some financial advisers who recommend life insurance to clients. Click HERE to read the full story via InvestmentNews.

    Annuity Awareness Month, Is your Clients’ Income Guaranteed?

    {July 1st, 2019} by Talia Chaffee

    June marks the beginning of Annuity Awareness Month, and a great time to educate your clients on the benefits of annuities. Annuities can be an integral part of your clients’ long-term retirement planning strategy, providing direction to help them overcome unnecessary risks and important optional benefits that help them to protect their financial future. Annuities […]

    Why I Bought an Annuity at Age 29

    {July 1st, 2019} by Sheryl Moore

    You read the headline, and you are already screaming at me. “Why would you buy an annuity when retirement is half-a-lifetime away!” Note that those of you who are anti-annuity are probably experiencing seizures already. Someone call some help for them. No mistake. You read that right. Yes, I purchased my first deferred annuity when […]