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Archive for May 2021


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  • Breaking: NY Court Overturns Regulation 187

    {May 4th, 2021} by John Hilton

    The New York Supreme Court sided with plaintiffs today in overturning the toughest state annuity sales standard in the nation. The state Supreme Court Appellate Division reversed a 2019 ruling by Justice Henry Zwack that the New York State Department of Financial Services was within its authority when it issued Regulation 187. Regulation 187, often […]

    Protective Launches Variable Annuities Product Enhancements

    {May 4th, 2021} by Protective Life Corporation

    BIRMINGHAM, Ala.–(BUSINESS WIRE)–Protective Life Corporation (Protective), a wholly owned U.S. subsidiary of Dai-ichi Life Holdings, Inc. (TSE:8750), today announced enhancements to available investment options, advancing the company’s presence in the variable annuities space. To help clients better capitalize on growth opportunities, Protective’s commission-based variable annuity solutions and their fee-based advisory solutions will now offer investment […]

    Ameriprise Continues Tilt Toward Variable Products: Earnings

    {May 4th, 2021} by Allison Bell

    Ameriprise Financial Inc. (AMP)is staying on the same path in the life insurance and annuity markets. Executives at the Minneapolis-based financial services company said Tuesday that they are continuing to cope with low interest rates by focusing on the sale of variable products that are light on guarantees. Jim Cracchiolo, the CEO, talked about life […]

    Commission-Free Annuities: No Longer an Oxymoron

    {May 4th, 2021} by Jane Wollman Rusoff

    When you’re a market disrupter, countless folks will be troubled by your moves; others will be pleased as punch. Enabling RIAs to sell annuities has provoked the latter response from these advisors.  “I’ve been told several times over, ‘You’re doing God’s work!’” says David Lau, founder and CEO of DPL Financial Partners, first in marketing […]

    Research Roundup

    {May 4th, 2021} by Kerry Pechter

    How should pre-retirees invest their savings? What’s the difference between the “money’s worth” of an annuity and its “insurance value”? Is economic inequality consistent with human nature? What is the link between economic inequality in the US in 2021 and the gradual decline in prevailing interest rates since 1982? Click HERE to read the full […]

    New York Life Investments Launches Advisor Advancement Institute to Empower Financial Advisors with Resources to Help Clients Build a Better Financial Future

    {May 4th, 2021} by New York Life Investments

    NEW YORK, May 3, 2021 /PRNewswire/ — New York Life Investments today announced the launch of the Advisor Advancement Institute, a comprehensive, educational practice management platform to help financial advisors build better practices and develop deeper, more valuable client relationships. The launch of the Advisor Advancement Institute also coincides with New York Life Investments’ launch of a new professional development […]

    Kansas City Life Announces First Quarter 2021 Results

    {May 4th, 2021} by Kansas City Life Insurance Company

    KANSAS CITY, Mo., April 30, 2021 /PRNewswire/ — Kansas City Life Insurance Company recorded a net loss of $0.7 million or $0.07 per share in the first quarter of 2021 compared to net income of $0.2 million or $0.02 per share in the first quarter of 2020.  The largest contributors in the decline in net income in 2021 compared to 2020 were a decrease in […]

    Commission-Free Annuities: No Longer an Oxymoron

    {May 4th, 2021} by Jane Wollman Rusoff

    When you’re a market disrupter, countless folks will be troubled by your moves; others will be pleased as punch. Enabling RIAs to sell annuities has provoked the latter response from these advisors.  “I’ve been told several times over, ‘You’re doing God’s work!’” says David Lau, founder and CEO of DPL Financial Partners, first in marketing […]

    Newsweek Names Pacific Life a 2021 Best Customer Service Company

    {May 4th, 2021} by Pacific Life Insurance Company

    NEWPORT BEACH, Calif.–(BUSINESS WIRE)–Pacific Life’s Life Insurance Division has been named a 2021 Best Customer Service Company in Newsweek’s annual “Best of Customer Service” awards. Based on an independent survey, the award recognizes communication quality, professional competence, range of services, customer focus, and accessibility of customer service. “Policyowners are the heart of our business and […]

    FBL Financial Group Reports First Quarter 2021 Results

    {May 4th, 2021} by FBL Financial Group, Inc.

    WEST DES MOINES, Iowa–(BUSINESS WIRE)–FBL Financial Group, Inc. (NYSE: FFG) today reported net income attributable to FBL Financial Group for the first quarter of 2021 of $27.7 million, or $1.13 per diluted common share, compared to a net loss of $2.5 million, or $0.10 per diluted common share, for the first quarter of 2020. Adjusted operating […]

    Farm Bureau Property & Casualty and FBL Financial Group Amend Merger Agreement

    {May 4th, 2021} by FBL Financial Group, Inc.

    WEST DES MOINES, Iowa–(BUSINESS WIRE)–Farm Bureau Property & Casualty Insurance Company (“FBPCIC”) and FBL Financial Group, Inc. (NYSE: FFG) (“FBL Financial Group” or “the Company”) today announced that they have agreed to amend their previously-announced definitive merger agreement, dated January 11, 2021. Pursuant to the amended definitive agreement (the “Merger Agreement”), FBPCIC increased the offer […]

    New Data from New York Life Reveals Americans Have Boosted Confidence in Short-Term Financial Goals One Year Since the Start of the COVID-19 Pandemic

    {May 4th, 2021} by New York Life

    NEW YORK–(BUSINESS WIRE)–New data released today by New York Life found that over the course of the past year, Americans feel more confident in their short-term financial goals, including in the status of their savings and the ability to pay their bills month-to-month. Despite increased confidence in their ability to achieve short-term financial goals, the […]

    Principal Financial Group Announces First Quarter 2021 Results

    {May 4th, 2021} by Principal

    DES MOINES, Iowa–(BUSINESS WIRE)–Principal Financial Group® (Nasdaq: PFG) announced results for first quarter 2021. “Best Places to Work in Money Management13.” Tweet this Net income attributable to PFG for first quarter 2021 of $517.1 million, compared to $288.9 million for first quarter 2020. Net income per diluted share of $1.87 for first quarter 2021 compared to $1.04 […]

    New York Life Launches $1 Billion Impact Investment Initiative to Address Racial Wealth Gap by Investing in Underserved and Undercapitalized Communities over Next Three Years

    {May 4th, 2021} by New York Life

    NEW YORK–(BUSINESS WIRE)–New York Life, America’s largest1 and most admired2 mutual life insurer, today announced a $1 billion impact investment initiative with the aim to address the racial wealth gap by investing in underserved and undercapitalized communities over the next three years with a focus on supporting small businesses, affordable housing, and community development. The company will […]

    Pacific Life Introduces New Funds Designed to Address Today’s Consumer Needs

    {May 4th, 2021} by Pacific Life

    NEWPORT BEACH, Calif.–(BUSINESS WIRE)–Pacific Life today announced two new portfolios to diversify its variable annuity investment lineup designed to meet today’s consumer needs: PLFA ESG Diversified Portfolio and JPMorgan Hedged Equity Portfolio. Both are available to consumers who purchase certain variable annuities from Pacific Life and are eligible for investment with an optional living benefit. […]

    CNO Financial Group Reports First Quarter 2021 Results

    {May 4th, 2021} by CNO Financial Group, Inc.

    CARMEL, Ind., April 28, 2021 /PRNewswire/ — CNO Financial Group, Inc. (NYSE: CNO) today announced that for the quarter ending March 31, 2021, net income was $147.4 million, or $1.08 per diluted share, compared to a net loss of $21.2 million, or $0.15 per diluted share, in 1Q20. Net operating income (1) in 1Q21 was $75.2 million, or $0.55 per diluted share, compared to $84.3 million, or $0.58 per diluted share, […]

    Genworth Plans for Return to Long-Term Care Insurance Sales

    {May 4th, 2021} by Allison Bell

    Executives at Genworth Financial Inc. want to work with other companies to get back into the U.S. long-term care insurance (LTCI) market. The Richmond, Virginia-based insurer also wants to team up with China Oceanwide Holdings Group Co. Ltd. — a company that spent more than four years trying to acquire Genworth — to sell long-term […]

    Nationwide to Back Tulsa Race Massacre Centennial Event

    {May 4th, 2021} by Allison Bell

    Nationwide is supporting the 1921 Tulsa Race Massacre Centennial Commission by contributing cash and speakers to the commission’s Economic Empowerment Day conference. The two-day massacre started May 31, 1921. During the massacre, White residents of Tulsa set fire to homes and businesses in the Greenwood District, a neighborhood that had been popular with Black residents […]

    Ameriprise Financial Reports First Quarter 2021 Results

    {May 4th, 2021} by Ameriprise Financial, Inc

    MINNEAPOLIS–(BUSINESS WIRE)–Ameriprise Financial, Inc. (NYSE: AMP): Earnings Per Diluted Share   Return on Equity, ex AOCI (1)   Q1 2021     Q1 2021 GAAP $3.58   GAAP (1.1)% Adjusted Operating $5.43   Adjusted Operating 29.9% Ameriprise increased its quarterly dividend 9 percent to $1.13 per share First quarter adjusted operating earnings per diluted share was […]

    Halo Investing Launches Annuities Platform, Helping Advisors Generate Reliable Retirement Income for Individual Investors

    {May 4th, 2021} by Halo Investing

    CHICAGO, April 27, 2021 /PRNewswire/ — Halo Investing (“Halo”), the world’s first and only independent, multi-issuer technology platform for structured notes, today announced the launch of its new annuities platform. Built on Halo’s core marketplace, the new centralized marketplace enables financial advisors to explore, transact, and manage annuities in a simplified way. The platform includes numerous annuity options and […]

    Study: Over 9 in 10 financial professionals support the passage of the SECURE Act 2.0

    {May 4th, 2021} by Nationwide

    COLUMBUS, Ohio, May 3, 2021 /PRNewswire/ — A recent Nationwide Retirement Institute® survey of advisors and financial professionals reveals that most are in favor of the proposed Securing a Strong Retirement Act (commonly referred to as SECURE Act 2.0), with 93% supporting its passing and a majority (93%) agreeing that the legislation’s features would financially benefit their clients. This overwhelming support […]

    Insurance Leaders Look In The Mirror

    {May 4th, 2021} by Denise Garth

    It was 1999 and everything about business was changing. The Internet was hot and growing! Ebay and Amazon launched within the previous 4 years. Napster debuted the peer to peer music file sharing network – the precursor to iTunes. It was all about e-business! Fast Company magazine was putting out 300-page monthly issues that covered […]

    Annuities & Taxes

    {May 4th, 2021} by John Williams

    Tax season is often a time when people more seriously consider their future financial plans. Reviewing how their money was spent and saved from the previous year can lead one to consider new options for the future. Add to that the financial uncertainties created by the ongoing pandemic, and many are taking into account income […]

    The Rise of Platforms

    {May 3rd, 2021} by Matt Essick

    The era of the platform economy is here. Actually, it has been here for a decade or longer. Think Apple, Google, Airbnb, Microsoft, Uber, Amazon, Square, LinkedIn, Lyft, Facebook, and Tesla. The majority of the most valuable companies globally are now based on a platform business model, which is defined as: “the creation of digital […]

    Factors Affecting Life Insurance Rates

    {May 3rd, 2021} by Ashley Kilroy, Jason Metz

    If the main reason you don’t have a life insurance policy is that you think it’s too expensive, you are in good company. Almost two-thirds of people who do not have a life insurance policy cited this reason, according to the 2020 Insurance Barometer from LIMRA, an industry-funded research company. Sixty-seven percent of respondents said […]

    New York Best-Interest Rule for Annuity Sales Struck Down

    {May 3rd, 2021} by Melanie Waddell

    The New York best-interest standard for annuity sales was struck down Thursday by the Appellate Division of the New York State Supreme Court for being “unconstitutionally vague.” Formally known as the New York Department of Financial Services’ Amended Regulation 187, Suitability and Best Interests in Life Insurance and Annuity Transactions, the rule is “unconstitutionally vague,” […]

    MassMutual top annuities writer in 2020 as Prudential Financial cuts back

    {May 3rd, 2021} by RJ Dumaual, Kris Elaine Figuracion

    Massachusetts Mutual Life Insurance Co. became the largest writer of annuity products in 2020 amid Prudential Financial Inc.’s move to downsize its presence in the segment. Prudential, which logged annuity considerations above $26 billion in 2019 and 2018, intends to halve its individual annuities business to 10% or less of earnings under a three-year plan […]

    National Life Insurance Day

    {May 3rd, 2021} by National Day Calendar

    National Life Insurance Day each year on May 2nd marks the anniversary of the first day that life insurance became available in the United States. The observance also brings awareness of the benefits of life insurance. The sale of life insurance in the U.S. began in the late 1760s. The Presbyterian Synods in Philadelphia and […]

    N.Y. Supreme Court Overturns Sales Regulations On Annuities And Insurance

    {May 3rd, 2021} by Tracey Longo

    Insurance agents and advisors in the state of New York won a monumental lawsuit today to overturn the state’s best interest sales standard governing the sales of annuities and life insurance on the grounds that the standard was unconstitutional. The New York Supreme Court Appellate Division reversed a 2019 ruling affirming that the New York […]

    Annuities Could Help the Service Industry: Idea File

    {May 3rd, 2021} by Allison Bell

    What You Need to Know: Michael Finke discussed the Those retirees who have enough savings also could use annuities to help into retirement. Retirees with enough savings, but no annuities or pension plans, spend much less than they could afford to spend. Policymakers in Washington might be able to give restaurants, theaters, cruise lines and […]

    Fintech Firm Launches AI-Driven Digital Assistants for Advisors: Tech Roundup

    {May 3rd, 2021} by Jeff Berman

    What You Need to Know: Hearsay Systems appoints industry veteran Matt Newman as its chief customer officer. AssetMark and iCapital Network have launched a customized alternative investment service on the AssetMark platform. Broadridge has integrated the compliance tech firm FundApps’ regulatory compliance technology. The fintech firm CogniCor has launched three new digital assistant modules that […]

    American Equity Declares 2nd Quarter 2021 Preferred Stock Dividends

    {May 3rd, 2021} by American Equity Investment Life Holding Company

    April 30, 2021 06:58 PM Eastern Daylight Time WEST DES MOINES, Iowa–(BUSINESS WIRE)–American Equity Investment Life Holding Company (NYSE: AEL), today announced that in accordance with the terms of its 5.95% Fixed-Rate Reset Non-Cumulative Preferred Stock, Series A (the “Series A Preferred Stock”), which is represented by depositary shares, each representing a 1/1,000th interest in a […]

    For Apollo’s New CEO, Insurance Is In—Racy Buyouts, Not So Much

    {May 3rd, 2021} by Miriam Gottfried

    Apollo Global Management Inc. made its name scoring double-digit returns on debt-laden buyouts. Under new Chief Executive Officer Marc Rowan, the firm’s future will become increasingly about finding ways to eke out a few percentage points more than corporate and government bonds pay. The shift reflects Apollo’s evolution from a leveraged-buyout shop to a credit-investing […]

    Can Impaired Risk Underwriting Help You Get Life Insurance?

    {May 3rd, 2021} by Cameron Huddleston and Amy Danise

    Trying to buy life insurance if you have health problems can be like a Catch-22. You need the coverage because of your heightened risk. But it can be difficult to get coverage because you are more of a risk to insure. This is when impaired risk underwriting can help you get the coverage you need. […]

    Broker’s Annuity Strategy Nets $275K Fine For Ohio National Life Subsidiary

    {May 3rd, 2021} by Eric Rasmussen

    An Ohio National Life Insurance subsidiary was fined $275,000 Friday after the Financial Industry Regulatory Authority said one of its top producers recommended unsuitable investment strategies to 76 customers involving variable annuities and whole life policies. Finra is also requiring the subsidiary, the O.N. Equity Sales Company, or ONESCO, to give more than $1 million […]

    Advisor Group seeking nearly $1M in lawsuit against variable annuity firm

    {May 3rd, 2021} by Tobias Salinger

    A lawsuit filed by one of the largest wealth managers against a variable annuity firm offers a glimpse into one of the industry’s most critical and changing conflicts of interest: payments to get a product in front of advisors who might recommend it to clients. Advisor Group is seeking at least $900,000 plus interest and […]

    New DOL Fiduciary Rule Creating ‘Regulatory Whiplash’: Attorneys

    {May 3rd, 2021} by Melanie Waddell

    What You Need to Know: Labor’s recently released FAQ sets out “next steps” on its fiduciary PTE. Labor will institute changes through rulemakings or subregulatory guidance. Compliance costs could reach hundreds of millions of dollars, the Eversheds attorneys say. The Labor Department is setting up “regulatory whiplash” and huge compliance costs by requiring retirement advisors […]

    The Role of Annuities in a Comprehensive Retirement Portfolio

    {May 3rd, 2021} by John Williams

    What You Need to Know: The pandemic has increased the percentage of older workers who say they have retired. Uncertainty about the future has increased. Annuities can help clients shift interest rate risk. The pandemic has given us all historical pause while causing widespread change, especially across the workforce. A 2020 economic study uncovered information that suggests […]

    IRS to Fix Inherited IRA Guidance That Confused Advisors

    {May 3rd, 2021} by Roger Wohlner

    What You Need to Know: The Secure Act changed the inherited IRA rules for most non-spousal beneficiaries. A recent IRS publication created confusion around whether RMDs are required for those beneficiaries covered by the 10-year rule. An example presented by the IRS seemed to show that distributions needed to be taken every year. That’s not […]

    What to Do About the Return of the DOL Rule

    {May 3rd, 2021} by Thomas D. Giachetti

    What You Need to Know: The Department of Labor rule is back — in a new “prohibited transaction exemption.” PTE allows investment advice fiduciaries to receive what would otherwise be prohibited compensation. Until Dec. 20, an investment advice fiduciary can comply by simply adhering to the PTE’s Impartial Conduct Standards. Much to the chagrin of […]

    Robo-Advisors Came to Slay Industry Giants, but Instead Schooled Them

    {May 3rd, 2021} by Timothy Welsh

    What You Need to Know: Robo-advisors have validated human advisors’ ultimate value. VC-backed robo-advisors never gained much traction, and eventually were eclipsed by the incumbents they were trying to disrupt. But there’s no disputing that they’ve forced established industry players to innovate. For a lot of us, the fact that the modern robo-advisor movement is […]

    Why the Current IMO Model Doesn’t Work

    {May 3rd, 2021} by Signal Advisors

    “Annuity commissions paid in one day. Client-facing annual reviews done for you in one click. The first end-to-end platform designed to manage every part of an annuity advisor’s business.” Click HERE to read the full story via INN