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Archive for September 2021


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  • Jackson Financial Completes Separation From Prudential

    {September 14th, 2021} by Jackson Financial Inc.

    LANSING, Mich.–(BUSINESS WIRE)–Jackson Financial Inc.1 (Jackson®) today announced that it has completed its previously announced separation from Prudential plc (Prudential; NYSE: PUK) through a demerger. Jackson is now an independent company, and its Class A common stock is expected to commence “regular way” trading under the ticker symbol “JXN” on the New York Stock Exchange on September 20, […]

    Protective Life Corporation Introduces New Brand Identity, Showcases Commitment as Protectors

    {September 14th, 2021} by Protective Life Corporation

    BIRMINGHAM, Ala.–(BUSINESS WIRE)–Today Protective Life Corporation (Protective), a wholly owned U.S. subsidiary of Dai-ichi Life Holdings, Inc. (TSE:8750), announces a new brand identity that exemplifies the Company’s 114-year commitment of putting people first, delivering on promises and striving to do more for its customers, business partners, employees and communities. The new brand leverages the potential of Protective’s […]

    Life Insurance Awareness Month

    {September 14th, 2021} by Wink's Intel Pros

      September is Life Insurance Awareness Month #LIAM!  Wink supports Life Insurance Awareness and will be joining in this month’s awareness campaign! We will be reprinting our CEO’s most requested life insurance-focused articles all month long; they will be indicated with “reprint” in the title.  You’ll find these timeless articles are still relevant today. According […]


    {September 14th, 2021} by Sheryl J. Moore

    February 7, 2011 It has been nearly thirty years since consumers were first offered the benefits of Universal Life (UL) and with UL came flexibility in premium payments, death benefit options, coverage amounts, and all sorts of other things that they never dreamed of. UL was the beginning of a whole new world of product […]


    {September 14th, 2021} by Sheryl J. Moore

    For as long as I’ve been handling my own finances, I’ve been hearing that people should “buy term and invest the difference.” I have never really taken stock in the concept. I mean, I am a financial services professional that cut her teeth on whole life, but who would adopt this theory centered around buying […]

    Jackson — the Annuity Giant — Separates From Parent

    {September 14th, 2021} by Allison Bell

    Jackson Financial Inc. — a leader in the U.S. individual variable annuity market — announced today that it has completed the process of separating from its former parent, Prudential PLC of London, through a demerger. The U.K. Prudential, which has no connection with the U.S. Prudential Financial, announced in March 2020 that it intended to separate from […]

    Annuities are now a big business for PE firms

    {September 14th, 2021} by Emile Hallez

    Over the past five quarters, annuity providers owned by private equity firms have accounted for more than 40% of all indexed annuity sales, according to data provided by Moore Market Intelligence. Click HERE to read the full story via InvestmentNews

    Texas names new insurance commissioner

    {September 14th, 2021} by Rebecca Delaney

    Texas Governor Greg Abbott has appointed Cassie Brown as commissioner of insurance at the Texas Department of Insurance. The term is set to expire on 1 February 2023. Brown previously served in the department as commissioner of workers’ compensation, where she was responsible for overseeing the division’s regulation of the state’s workers’ compensation system, as […]

    Life Expectancy And The New Underwriting

    {September 14th, 2021} by Robert Goldstone

    For the first time in many of our lifetimes, life expectancy in the United States has declined. Not only did it just not go up as much as we expected—it actually declined. The fall of 1.5 years in 2020 from 78.8 years to 77.3 was the steepest decline since World War II, and the last […]

    Insight Into Insurtech Solutions That Impact Life Insurance Awareness

    {September 14th, 2021} by Ken Leibow

    September is Life Insurance Awareness Month. It’s well known that four out of 10 American households are putting their financial future at risk by not having life insurance. I wanted to dig into the little known aspects of pre-sales, sales, fulfillment, and inforce digital platforms that make a difference in generating new business, motivating consumers, […]

    Annuities: Retirement Is 43 Percent Off?

    {September 14th, 2021} by Charlie Gipple

    Many of the agents that work with CG Financial Group are well aware of the “Four Percent Rule” and the history around it. You probably are as well. I also make sure that agents are very familiar with the 2.8 percent rule. Why do I think understanding these rules are important for folks that sell […]

    Exploring Fixed Index Universal Life Insurance Opportunities In Vertical Industries

    {September 14th, 2021} by David R. Foster

    Often when we speak to financial professionals looking for life insurance opportunities, they will say they have increased their focus on the needs of business owners. Business owners have their own set of unique risks that need to be addressed, including business succession planning, attracting, retaining and motivating key employees, and structuring and funding buy-sell […]

    The RILA Market Is Evolving As Fast As It Is Growing

    {September 14th, 2021} by Micah Hesting

    As time goes on, the everchanging RILA market grows stronger and stronger in its offerings. From Athene’s “large bonus” on any earnings in the account to Equitable’s “not only will we credit back your losses, but we will also add them as a gain,” the offerings just keep getting better and better. If you are […]

    Why Your Annuity Trumpet Should Get Louder As Interest Rates Decrease

    {September 14th, 2021} by Charlie Gipple

    I know the title of this column seems contrary to what you would think but hear me out as I discuss the “relativity game” that annuities play and play very well. You may be thinking that this is yet another conversation about how annuities usually pay more than other “interest bearing” products like CDs, but […]

    Integrity Marketing Acquires a $35M Life Distributor

    {September 14th, 2021} by Allison Bell

    Integrity Marketing Group has acquired Twardowski Insurance Agency, an independent marketing organization that expects to sell new life insurance to about 30,000 people this year. The new policies will generate about $35 million in annual paid premium, according to Integrity Marketing.   Click HERE to read the full story via ThinkAdvisor

    Parents at Home Need Life Insurance Too: Idea File

    {September 14th, 2021} by Allison Bell

    Jessica Lepore, the founder of Surevested, an online life insurance agency that opened earlier this year, is spreading a message that’s almost as old as the modern U.S. life insurance industry: The work that husbands and wives do at home has a large financial value Lepore is doing this in observance of Life Insurance Awareness […]

    New study: 8 in 10 retirement plan sponsors say participants want guaranteed lifetime income investment options

    {September 14th, 2021} by Nationwide

    COLUMBUS, Ohio, Sept. 13, 2021 /PRNewswire/ — Nearly nine in 10 plan sponsors and participants (88%), respectively, agree that income in retirement is vital to financial security, according to the Nationwide Retirement Institute’s® 2021 In-Plan Lifetime Income survey of plan sponsors, plan participants, and plan advisors or consultants. However, despite recognizing the importance of income in retirement, the survey found participants don’t […]

    Securian Financial and Securian Asset Management Sign Principles for Responsible Investment

    {September 14th, 2021} by Securian Financial

    ST. PAUL, Minn.–(BUSINESS WIRE)–Furthering their commitment to secure a sustainable future, Securian Financial and its subsidiary, Securian Asset Management, have signed the United Nations-supported Principles for Responsible Investment (PRI). PRI signatories are committed to including environmental, social and governance (ESG) factors in their investment decision making and ownership. More than 4,000 organizations worldwide—including 700 U.S. asset […]

    Maybe a Mutual Life Insurer Is Different: Idea File

    {September 14th, 2021} by Allison Bell

    Northwestern Mutual has been a mutual insurer — meaning that it’s owned by its policyholders — since it was founded, back in 1857. Since then, the company has survived several swings of the life insurance company structure popularity pendulum, to and from preferences for mutual insurers, publicly traded insurers, and ordinary privately held companies. Click […]

    Life Insurers Could Pay Death Benefits Through Virtual Credit Cards

    {September 14th, 2021} by Allison Bell

    Life insurers could soon be paying more claims through virtual payment cards. Traditionally, many life insurers have been so conservative that they have resisted accepting payments made through credit cards or debit cards, let alone pushing cash into cards. But One Inc., a Folsom, California-based insurance payment company founded in 2006, recently formed a relationship […]

    Jackson launches enhanced Retirement Expense & Income Calculator

    {September 14th, 2021} by Jackson National Life Insurance Company

    LANSING, Mich.–(BUSINESS WIRE)–Jackson National Life Insurance Company® (Jackson®) today announced enhancements to its proprietary retirement expense calculator tool, designed to help financial professionals effectively project their clients’ retirement expenses based on the federal government’s Consumer Expenditures Survey data. The updated tool, now named the Retirement Expense & Income Calculator, features an income gap analysis and a Proposed […]

    AM Best Revises Issuer Credit Rating Outlook to Negative for Genworth Life and Annuity Insurance Company; Affirms Credit Ratings of Genworth Financial, Inc. and Its U.S. Life Subsidiaries

    {September 14th, 2021} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has revised the outlook to negative from stable for the Long-Term Issuer Credit Rating (Long-Term ICR) and affirmed the Financial Strength Rating (FSR) of B (Fair) and the Long-Term ICR of “bb+” (Fair) of Genworth Life and Annuity Insurance Company (GLAIC) (Richmond, VA). The outlook of the FSR is stable. Concurrently, AM […]

    Allianz Life Partners with iJoin and IPX to Offer Guaranteed Income Option

    {September 14th, 2021} by Allianz

    MINNEAPOLIS – Sept. 9, 2021 – Allianz Life Insurance Company of North America (Allianz Life) announced today that it has partnered with LDI-MAP (d.b.a. iJoin) and IPX Retirement to be the first company to provide a guaranteed income option on the iJoin platform. Recordkeepers and advisors using iJoin will be able to offer the Allianz Lifetime […]

    The Bermuda Triangle was Busy this Summer

    {September 13th, 2021} by Kerry Pechter

    Followers of what RIJ calls the “Bermuda Triangle” trend may have spotted a couple of large deals in that space this past summer—during that deceptively peaceful lull between mass vaccinations and the Delta surge. Click HERE to read the full story via RIJ

    Bermuda’s Role in a Changing Annuity Industry

    {September 13th, 2021} by Kerry Pechter

    Bermuda’s pink sand beaches and reliably blue skies are lovely, but the tiny archipelago in the Atlantic has an added appeal. Its financial regulatory climate makes it a perfect domicile for the reinsurance operations of life insurers and, to an increasing degree, private equity companies. Click HERE to read the full story via RIJ

    SEC’s New Ad Rule Is Advisors’ Top Compliance Challenge: Poll

    {September 13th, 2021} by Melanie Waddell

    Registered investment advisors view the Securities and Exchange Commission’s new marketing and advertising rule as the “hottest” compliance topic this year, with the second-hottest being cybersecurity, according to a recently released Investment Adviser Association poll. IAA’s 2021 Investment Management Compliance Testing Survey, conducted with ACA Compliance Group, also found that firms would like the SEC […]

    Attention Insurers!

    {September 13th, 2021} by Wink's Intel Pros

    Ever wish you had the sales of a product handy while perusing the AnnuitySpecs/LifeSpecs site? Well, NOW YOU DO! Effective immediately, you will see the most recent product-level sales for each product as reported through Wink’s Sales & Market Report on the Product Specs, Product Search results, Product Rates, and Side-by-Side comparisons. Hooray for convenience! (Must […]

    Episode 114: We Love Annuities with Sheryl Moore

    {September 13th, 2021} by That Annuity Show

    Summer is almost over. What’s the outlook for the annuity industry as we head back to our (virtual) offices? Sheryl Moore is the perfect guest to provide us with predictions and savvy forecasts. She graciously joins us today to talk about changes in carrier ownership, product design changes and regulatory evolution.   Also, do you […]

    Goldman Sach spinoff powering FIG’s new annuity and investment dashboard

    {September 13th, 2021} by Financial Planning

    Financial Independence Group, a company that connects independent financial advisors with insurance products, is using technology originally developed by Goldman Sachs to power a new advisor dashboard that brings together annuities with structured investments. The new platform, dubbed Quinci, aims to be a one-stop-shop for advisors to access a digital marketplace of fixed and registered […]

    LIMRA and the Society of Actuaries Research Institute Announce New Partnership on Experience Study Data Collection

    {September 13th, 2021} by LIMRA and SOA

    WINDSOR, Conn. and SCHAUMBURG, Ill., September 8, 2021 – LIMRA and the Society of Actuaries (SOA) Research Institute announced today a new three-year partnership to collect and process data to be used in industry-wide experience studies. Through this partnership, LIMRA and the SOA Research Institute will be able to continue developing in-depth experience study reports and […]

    J.P. Morgan Helps 401k Participants in Retirement with SmartRetirement Plus, Incorporating a Protected Lifetime Income Solution from AIG Life & Retirement

    {September 13th, 2021} by J. P. Morgan Asset Management

    NEW YORK, Sept. 9, 2021 /PRNewswire/ — J.P. Morgan Asset Management today announced plans to launch SmartRetirement Plus, a unique retirement income solution for American workers. SmartRetirement Plus will pair J.P. Morgan Asset Management’s retirement investment funds and spending intelligence with AIG Life & Retirement’s IncomEdge Control annuity[1]. AIG Life & Retirement is an innovator in protected lifetime income […]

    After the 9/11 Attacks, Wall Street Bolstered Its Defenses

    {September 13th, 2021} by Alexander Osipovich

    The nearly weeklong stock-market shutdown that followed the Sept. 11 attacks seems unimaginable in today’s world of round-the-clock trading. During the past 20 years, advances in technology and broad efforts to bolster U.S. market infrastructure have made such outages rare. Last year, when the coronavirus pandemic led to plunging stock prices, record volumes and an […]

    Life Insurance Awareness Month is Here: Kelly Rowland & Life Happens Urge Americans to Talk About Life Insurance

    {September 7th, 2021} by LIfe Happens

    ARLINGTON, Va., Sept. 1, 2021 /PRNewswire/ — Life Happens, a national nonprofit educating consumers about the importance of life, disability and long-term care insurance in a complete financial plan, today launches its annual Life Insurance Awareness Month (LIAM) campaign with four-time Grammy award-winning singer, songwriter, producer, humanitarian and mother Kelly Rowland. Life Happens’ partnership with Kelly seeks to […]


    {September 7th, 2021} by NCOIL

    Manasquan, NJ – Congress has designated September as “National Life Insurance Awareness Month”.  The National Council of Insurance Legislators (NCOIL) applauds this designation. NCOIL focuses on this campaign to serve as a reminder to families of the value of life insurance and encourage them to perceive life insurance as an investment into their families’ security. […]

    OneAmerica Affirmed by A.M. Best with A+ (Superior) Rating

    {September 7th, 2021} by OneAmerica

    INDIANAPOLIS, Aug. 31, 2021 /PRNewswire/ — OneAmerica®http://www.oneamerica.com/ today reported that A.M. Best has affirmed the financial strength rating A+ (Superior) for insurance companies of OneAmerica, including American United Life Insurance Company® (AUL) and its affiliate, The State Life Insurance Company® (State Life). The ratings analyze the financial strength and performance of the companies and the ability to meet existing obligations. The A+ (Superior) […]

    Looking For Life Amid COVID-19

    {September 7th, 2021} by John Hilton

    Elaine Tumicki has tracked life insurance sales data for decades and has never been more excited than right now. Her enthusiasm is rooted in the new post-pandemic realities. To keep it simple, life insurance is a hot property. Click HERE to read the full story via INN

    NAIC Giving States The Answers

    {September 7th, 2021} by John Hilton

    Insurance regulators are having substantial success in pushing to get states to adopt a best-interest update to annuity sales rules. Whether it is enough success and happening fast enough is yet to be determined. As of press deadline, at least 15 states had adopted some form of the new NAIC update to the Suitability in […]

    Death Benefit Claim Fail #LIAM Reprint

    {September 7th, 2021} by Sheryl J. Moore

      As the nation’s top expert on life insurance and annuity products, I have spent a great deal of my time over the last couple of decades pouring-over specimen contracts and prospectuses. It’s what I do. It’s why I’m the life of the party.   Given that, I am going to admit to you one […]

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

    {September 7th, 2021} 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 […]

    Consumer Group Urges Congress To Cut Regulatory Barriers To Index-Linked Annuities

    {September 7th, 2021} by Tracey Longo

    It’s not every day the Consumer Federation of America aligns its lobbying interests with the annuities industry, but the powerful group is making an exception, sending a letter to lawmakers asking them to pass legislation that would allow companies to streamline their registration and create more meaningful disclosures for index-linked annuities products. The bipartisan “Registration […]

    Looking gender bias straight in the eye

    {September 7th, 2021} by Mallory Hendry

    Growing up in what can only be described as a real-life version of the movie My Big Fat Greek Wedding, Fotini Iconomopoulos’ father bestowed upon her the nickname of “The Negotiator,” and she wore that label proudly. “Girls were expected to speak only when spoken to, but I challenged the gender norms of my upbringing,” Iconomopoulos said. […]

    The Best-Selling Indexed Annuity Has Changed. The Issuer Hasn’t.

    {September 7th, 2021} by Cyril Tuohy

    Allianz 222 held the No. 1 position for 21 consecutive quarters, then ceded its perch in the last three months of 2020 to Allianz Benefit Control, data from Wink’s Sales & Market Report show. Allianz Benefit Control was then the top-selling indexed product in the first quarter and Wink expects it to repeat that dominance for the second […]

    California Supreme Court Rules That Life Insurers Must Give Proper Cancellation Notices and Grace Periods to All Policyholders Before Terminating Policies

    {September 7th, 2021} by Nicholas & Tomasevic

    SAN FRANCISCO, Aug. 30, 2021 /PRNewswire/ — Today, the California Supreme Court ruled that legislation added to the Insurance Code on January 1, 2013, provide safeguards for all policyholders and beneficiaries, including existing ones, not just those who had policies issued on or after January 1, 2013. The following protections apply to all life insurance policies in force on or […]

    Aflac Launches Awareness Campaign During National Sickle Cell Awareness Month

    {September 7th, 2021} by Aflac

    COLUMBUS, Ga., Sept. 1, 2021 /PRNewswire/ — Aflac, a leading provider of supplemental insurance in the U.S. and a strong supporter of children with cancer and blood disorders, announced today that the company is commemorating National Sickle Cell Awareness Month with several educational initiatives and activities throughout the month and beyond. Beginning in early 2022, Aflac will expand […]

    LIMRA: First Half of 2021 Had Highest U.S. Life Insurance Policy Sales Growth Since 1983

    {September 7th, 2021} by LIMRA

    WINDSOR, Conn., Sept. 1, 2021 /PRNewswire/ — In the first six months of 2021, the total number of policies sold increased 8%, compared with prior year results. This is the highest policy sales growth recorded since 1983, according to LIMRA’s Second Quarter U.S. Individual Life Insurance Sales Survey. Total U.S. life insurance premium increased 21% in the second quarter […]

    American Families Overconfident But Underprepared For An Unexpected Death, According To New USAA Data

    {September 7th, 2021} by USAA

    SAN ANTONIO, Sept. 1, 2021 /PRNewswire/ — End-of-life planning is not a popular conversation topic — so much so that Americans feel more comfortable talking about politics (68%) than about planning for an unexpected death (62%). In a new survey, USAA Life Insurance Company explored how American civilian and military families talk about and prioritize life insurance and […]

    LifeQuotes.com Reminder: September is Life Insurance Awareness Month; Prices Fall to All-Time Lows

    {September 7th, 2021} by LifeQuotes.com

    DARIEN, Ill., Sept. 1, 2021 /PRNewswire/ — LifeQuotes.com, the online insurance broker that offers instant, comparative quotes from 40 leading life insurers and allows customers to purchase from the company of their choice, today reminds consumers that September is Life Insurance Awareness Month and that life insurance prices are now at all-time lows. Michell Zieba, vice president, […]

    Fidelity National Financial, Inc. Announces Virtual Participation at Barclays Global Financial Services Conference

    {September 7th, 2021} by Fidelity National Financial, Inc.

    JACKSONVILLE, Fla., Sept. 1, 2021 /PRNewswire/ — Fidelity National Financial, Inc. (NYSE: FNF) (the “Company”) today announced that the Company’s President, Mike Nolan, Chief Financial Officer, Tony Park, and F&G’s President and Chief Executive Officer, Chris Blunt, will participate in a fireside chat at the Barclays Global Financial Services Conference at 7:30 a.m. Eastern Time on Wednesday, September 15, 2021.  A live webcast […]

    Workers’ savings just don’t match expected retirement income, survey finds

    {September 7th, 2021} by Kate Dore

    Most workers over age 40 don’t have sufficient retirement savings and aren’t setting aside enough to catch up, according to a survey from the Insured Retirement Institute. Despite the nest egg shortfall, many still expect to retire early and believe they will have ample retirement income.     More than half of older Americans have less than $50,000 […]

    Sun Life U.S. moves Connecticut office to downtown Hartford

    {September 7th, 2021} by Sun Life

    WINDSOR, Conn., Aug. 31, 2021 /PRNewswire/ — Sun Life U.S. announced plans to move its Connecticut office to One Financial Plaza, also known as “The Gold Building,” at the corner of Main and Pearl Streets in downtown Hartford. Sun Life will occupy 47,000 square feet of space in one of the largest, most prominent office towers in Hartford. The building offers […]

    Want ‘Diamond Hands?’ Buy An Annuity!

    {September 7th, 2021} by John Nuemann

    The meme culture has produced a new class of investors and some important lessons for financial advisors and their clients. The Reddit crowd is seemingly unfazed by extreme volatility in stocks like GameStop or AMC because of a cherished talent they call “Diamond Hands.” Diamond Hands is the ability to stomach all of the risk, […]

    How annuities are labeled matters, new Morningstar research finds

    {September 7th, 2021} by Robert Steyer

    Clearly, Juliet Capulet never had to sell or market annuities. When Shakespeare’s tragic heroine asked “What’s in a name?” it was a plaintive cry that the intrinsic nature of humanity shouldn’t depend on someone’s definition. Morningstar Inc., Chicago, on the other hand, has found that a name can play a prominent role in the intrinsic […]

    This Life Insurance Awareness Month Is Different

    {September 6th, 2021} by Allison Bell

    Life Happens started the 2021 Life Insurance Awareness Month campaign today with plenty to talk about. The Arlington, Virginia-based nonprofit group has worked to spread the awareness message by developing a marketing guide and a pre-recorded webinar for agents and brokers. Life Happens also has brought in Kelly Rowland — a former member of the group […]

    Variable Universal Life Sales Roar Higher

    {September 6th, 2021} by Allison Bell

    A lull in the COVID-19 pandemic helped U.S. life insurers increase sales of individual life coverage in the second quarter. Total annualized premium revenue from new retail sales was 21% higher in the second quarter than in the second quarter of 2020, according to new insurer survey results from LIMRA. Click HERE to read the […]

    Why Do So Many Foreign Nationals Want U.S. Life Insurance?

    {September 6th, 2021} by Michael Gomez

      The U.S. life insurance industry enjoys a number of advantages over other countries, making it increasingly attractive to non-U.S. citizens and residents, namely high death benefit capacity, comparatively low insurance costs, well-capitalized insurers, stable currency and a robust regulatory environment.  This edge has led to more U.S. life insurance companies creating formal foreign national […]

    5 Lessons on Investment Indexes Used by Insurers, Other Firms

    {September 1st, 2021} by Allison Bell

    Laurence Black has started The Index Standard, a company that could help bring order and quality ratings to the world’s rapidly growing list of investment indexes. Black has been working in the index world since 2003, when he was head of thematic research and indexes at a business that’s now part of ABN AMRO. While […]

    Luma Financial Technologies Introduces Latest Annuity Feature: “Luma Compare

    {September 1st, 2021} by Luma Financial Technologies

        CINCINNATI–(BUSINESS WIRE)–Luma Financial Technologies (“Luma”), the world’s top independent and most objective, multi-issuer structured products and annuities platform, is pleased to announce the onboarding of their latest annuity-focused tool, “Luma Compare.” Luma Compare, which lives within Luma’s award-winning platform, removes many of the past challenges that advisors faced when transacting in the annuity […]