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Archive for August 2022


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  • Ibexis Life & Annuity Insurance Company Launches Innovative Fixed Annuity

    {August 16th, 2022} by Ibexis Life & Annuity Insurance Company

    JEFFERSON CITY, Mo., Aug. 16, 2022 /PRNewswire/ — Ibexis Life & Annuity Insurance Company (“Ibexis”) has launched its MYGA Plus™ fixed annuity.  The MYGA Plus™ is a fixed annuity product that provides clients with the flexibility to choose between two fixed rates that are each guaranteed for the initial duration of the product.  One option is to […]

    Lots going on with indexed UL illustrations…

    {August 16th, 2022} by Sheryl J. Moore

    I don’t believe that if the historical performance lookback on IUL is abolished that sales will decline by 75%. But they WILL decline. Oh, they WILL decline. Click HERE to read the latest installment of Bobby Samuelson’s “The Life Product Review” here.   -sjm

    Crestline Announces Launch of CL Life and Annuity Insurance Company

    {August 16th, 2022} by Crestline Investors, Inc

    FORT WORTH, Texas, Aug. 11, 2022 /PRNewswire/ — Crestline Investors, Inc. (“Crestline”) a credit focused institutional asset manager, today announced its entrance into the direct annuity insurance market with the acquisition of a life insurance company established in 1978 and licensed in multiple states, which will now operate as CL Life and Annuity Insurance Company (“CL Life”), […]

    North American Builds upon its Top-Selling NAC BenefitSolutions Fixed Index Annuity

    {August 16th, 2022} by North American Company for Life and Health Insurance

    WEST DES MOINES, Iowa, Aug. 9, 2022 /PRNewswire/ — More than three out of four Americans are concerned about safeguarding their current savings and finding ways to secure lifetime income for their future. Today, 76% of Americans say protecting their retirement nest egg and account is important to them, and 77% acknowledge concern for outliving their income […]

    Web-Based Life, Health and Annuity Distributor Raises $15M

    {August 16th, 2022} by Allison Bell

    Modern Life is getting $15 million in cash it can use to set up a web-based life, health annuity brokerage aimed at advisors. The New York-based startup is licensed to operate throughout the United States, including in New York state, and it will begin setting up relationships with many different large insurers, not just one […]

    National Western Life introduces newest fixed indexed annuity, NWL New Frontiers

    {August 16th, 2022} by National Western Life Group, Inc.

    AUSTIN, Texas, Aug. 10, 2022 /PRNewswire/ — National Western Life Insurance Company (National Western Life) announced the launch of NWL® New Frontiers, an innovative addition to the Company’s product suite. This new fixed indexed annuity exclusively offers access to the J.P. Morgan Factor FocusSM Index, while providing customers with the opportunity to take advantage of market gains and help […]

    WealthVest and Aspida Partner with Franklin Templeton on Exclusive Index

    {August 16th, 2022} by Wealthvest

    WealthVest, a financial services marketing and wholesaling firm, in conjunction with Aspida Life Insurance Company (“Aspida”), a life insurance and annuity company, have partnered with Franklin Templeton to offer two new crediting strategies on an exclusive index within Aspida’s WealthLock℠ Accumulator Fixed Index Annuity – developed jointly with WealthVest. The WealthLock℠Accumulator FIA, distributed solely by […]

    Annuity Buyers Lose Some Appetite for Battered Special Indexes

    {August 16th, 2022} by Cyril Tuohy

    “The down market affects all indices, not just hybrids,” said Sheryl Moore, CEO of Wink, publisher of Wink’s Sales & Market Report. “The bad news is that some people are earning zero. The good news is that when the market recovers, those owning indexed annuities are going to have some fantastic opportunities for gains.” Click HERE to read the […]

    Life Insurers See Q2 Mortality Decrease

    {August 16th, 2022} by Allison Bell

    Retirement advisors may be facing a new longevity planning problem: An easing of the COVID-19 pandemic could give clients extra years of post-retirement life. The number of reported pandemic-related deaths fell to about 30,000 in the second quarter, which ended June 30. This is down from about 158,000 in the first quarter. Click HERE to […]

    Jackson’s Annuity Stormproofing Worked

    {August 16th, 2022} by Allison Bell

    Derivatives can make an annuity issuer’s earnings look messy, but they helped Jackson sail smoothly through the spring stock market storms. Thanks to hedging arrangements, the annuity giant is reporting $3 billion in net income for the quarter ending June 30, on just $6.5 billion in revenue. Click HERE to read the full story via […]

    Merit Life Aims to Ramp Up Annuity Sales

    {August 16th, 2022} by Allison Bell

    Merit Life Insurance — a company best known for its contingent deferred annuity contracts — is staffing up. The Shelton, Connecticut-based company has hired Martin Woll, who has been the chief operating officer at Equitable’s individual retirement division, to be its chief operating officer. Click HERE to read the full story via ThinkAdvisor

    Regulators Work to Keep Hot Annuity Products Fair

    {August 16th, 2022} by Allison Bell

    State insurance regulators are still shaping actuarial guidelines for a hot retirement savings product — the registered index-linked annuity, or RILA. A National Association of Insurance Commissioners team is deciding what to do about RILA asset values for consumers who pull cash out early. Click HERE to read the full story via ThinkAdvisor     […]

    Senate Finance Chair Asks Blackstone Unit for Private Placement Life Details

    {August 16th, 2022} by Allison Bell

    Congress may be about to pay more attention to private placement life insurance — arrangements wealthy individuals and families can use to package investments of their own choosing inside variable universal life insurance policies. Sen. Ron Wyden, D-Ore., the chair of the Senate Finance Committee, today announced that he is investigating the use of PPLI […]

    Annexus company finding retirement plans receptive to annuities

    {August 16th, 2022} by John Hilton

    Annexus Retirement Solutions occupied a niche position within the Annexus empire, creating and managing new annuity platforms for retirement plans. As the lone Annexus satellite not part of the blockbuster Integrity Marketing Group acquisition, ARS continues as an independent company prepared to pounce in a very enticing market, said Joe Boan, director of sales and […]

    AIG delays IPO for Life and Retirement division

    {August 16th, 2022} by John Hilton

    American International Group will attempt a delayed initial public offering next month for its Life and Retirement division. Executives announced the new timeline today during a second-quarter call with analysts. The Life and Retirement segment was rebranded as Corebridge Financial earlier this year and was to go public during the second quarter. Click HERE to […]

    Integrity Expands Life Insurance Distribution by Partnering with Richman Insurance Agency

    {August 16th, 2022} by Integrity Marketing Group

    DALLAS, Aug. 9, 2022 /PRNewswire/ — Integrity Marketing Group, LLC (“Integrity”), a leading distributor of life and health insurance, and provider of wealth management and retirement planning solutions, today announced it has acquired Richman Insurance Agency, an insurance marketing organization (“IMO”) based in Dallas, Texas. As part of the acquisition, Rob Richman, President of Richman Insurance Agency, will become a […]

    National Western Life Focuses on Growth by Announcing Reinsurance Transaction

    {August 16th, 2022} by National Western Life Group, Inc.

    AUSTIN, Texas, Aug. 9, 2022 /PRNewswire/ — National Western Life Insurance Company (National Western Life), a wholly owned subsidiary of National Western Life Group, Inc. (Nasdaq: NWLI), announced the execution of an annuity reinsurance transaction with Aspida Life Re Ltd. (Aspida Re), a Bermuda based reinsurer rated “A-” (Excellent) by A. M. Best and “A-” by KBRA. The transaction was effective July […]

    Midwest Holding Inc. Reports Second Quarter 2022 Results

    {August 16th, 2022} by Midwest Holding Inc

    LINCOLN, Neb., Aug. 15, 2022 /PRNewswire/ — Midwest Holding Inc. (“Midwest”) (NASDAQ: MDWT), today announced financial results for the second quarter of 2022. Second Quarter 2022 Highlights: GAAP net income was $9.3 million compared to a $(5.0) million GAAP net loss incurred in the second quarter of 2021. GAAP earnings were $2.47 per share (diluted) versus the $(1.34) per-share loss in Q1 2021. GAAP total revenue […]

    Jackson Announces Second Quarter 2022 Results

    {August 16th, 2022} by Jackson National Life Insurance Company

    LANSING, Mich.–(BUSINESS WIRE)–Jackson Financial Inc. (NYSE: JXN) (Jackson®) today announced financial results for the three months ended June 30, 2022. Key Highlights Net income of $2,903 million, or $32.56 per diluted share, including the impact of non-economic hedging results under GAAP accounting Adjusted operating earnings1 of $225 million, or $2.52 per diluted share Total annuity account […]

    AM Best Upgrades Issuer Credit Ratings of Members of A-CAP Group

    {August 16th, 2022} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has upgraded the Long-Term Issuer Credit Ratings (Long-Term ICR) to “bbb+” (Good) from “bbb” (Good) and affirmed the Financial Strength Rating of B++ (Good) of Atlantic Coast Life Insurance Company (Charleston, SC) and Sentinel Security Life Insurance Company (Salt Lake City, UT). The outlook of these Credit Ratings (ratings) is stable. Both […]

    Life Insurance Policy Administration Systems Market Is Set to Fly High in Years to Come

    {August 16th, 2022} by AMA Research & Media LLP

    New Jersey, USA — (SBWIRE) — 08/15/2022 — The latest study released on the Global Life Insurance Policy Administration Systems Market by AMA Research evaluates market size, trend, and forecast to 2027. The Life Insurance Policy Administration Systems market study covers significant research data and proofs to be a handy resource document for managers, analysts, industry […]


    {August 9th, 2022} by Sheryl J. Moore

    Does anyone else take issue with people marketing structured annuities/RILAs as “offering downside protection?” YOU CAN STILL LOSE MONEY WITH THESE PRODUCTS?! You ARE offered some level of downside protection with structured annuities, but it isn’t like you cannot lose any money. Losses are normally tempered with a buffer or floor, which is typically less […]

    OIDs: Sales don’t seem to be following the trend

    {August 9th, 2022} by Sheryl J. Moore

    I am reading more and more about Outsourced Insurance Desks (OIDs) over the past couple of months. In fact, Jeff Waddington, CLU, CLTC from Protective Life had an interview about them in today’s InsuranceNewsNet. “An OID, at its core, allows an advisor to access products and expertise in the risk management or insurance world when appropriate for their clients.” So, […]

    Rhetorical Question

    {August 9th, 2022} by Sheryl J. Moore

    When it comes to pricing annuities, there are only 100 pennies in a dollar. And… The insurance company has to make a profit. The annuitant has to receive a fair credited rate/cap/par/spread. The distribution expenses have to be paid for a commission to the agent, and an override to the FMO. But what if it […]

    Brighthouse Financial Expands Flagship Shield Level Annuity Suite With New Product That Provides Guaranteed Lifetime Income

    {August 9th, 2022} by Brighthouse Financial, Inc

    CHARLOTTE, N.C.–(BUSINESS WIRE)–Brighthouse Financial, Inc. (“Brighthouse Financial” or the “company”) (Nasdaq: BHF) announced today the expansion of its flagship Brighthouse Shield® Level Annuities suite with the launch of Brighthouse Shield Level Pay PlusSM Annuities, which are designed to help strengthen clients’ retirement portfolios by providing a stream of guaranteed lifetime income.1,2 Shield Level Pay Plus annuities also offer […]

    Prudential FlexGuard® reaches $10B total sales milestone at record pace

    {August 9th, 2022} by Prudential Financial, Inc.

    NEWARK, N.J.–(BUSINESS WIRE)–Prudential Financial, Inc. (NYSE: PRU) announced that its FlexGuard product has reached a $10 billion total sales milestone since its launch in 2020, making it the fastest-growing indexed variable annuity in the industry, according to data from the Secure Retirement Institute.1 FlexGuard allows individuals and their financial professionals to select index-linked investment strategies, including some […]

    Lincoln touts ‘robust’ life insurance sales amid ongoing restructuring

    {August 9th, 2022} by John Hilton

    It has been a rough go for Lincoln Financial for several quarters as the company shifts away from capital-intensive products to more shared-risk ones. But the Radnor, Pa.-based insurer might be turning a corner. During a second-quarter earnings call with analysts today, Lincoln executives spoke of life insurance sales up 53% from the prior-year quarter, […]

    Life Application Activity Returns to Pre-COVID Normal

    {August 9th, 2022} by Michael S. Fischer

    U.S. life insurance applications from consumers fell by 7.7% year over year in July, according to MIB Group’s activity report released this week. Activity was down by 13% from July 2020, when a coronavirus-related spike occurred, and was flat compared with the previous year. This suggests that policy purchases have returned to something like normal. […]

    Prudential CEO Lowrey: We’ll manage life business ‘very, very carefully’

    {August 9th, 2022} by John Hilton

    Prudential Financial has no plans to exit the life insurance business anytime soon, but will move forward with caution, president and CEO Charles Lowrey said today. Lowrey lauded the potential in the life insurance business during a second-quarter earnings call with industry analysts. With the final question of the session, Lowrey was asked if Prudential […]

    The Variation in Some Annuity Payouts Has Exploded

    {August 9th, 2022} by David Blanchett and Branislav Nikolic

    Single premium immediate annuities (SPIAs) can provide retirees with an incredibly valuable way to generate guaranteed lifetime income. Payout rates, which represent the annual income divided by the premium, vary both across insurance providers and over time. There are a number of different components that insurers consider when determining the respective payout rate for SPIA, […]

    Brighthouse balances strong annuity sales with weaker life numbers

    {August 9th, 2022} by John Hilton

    This month marks the fifth anniversary of Brighthouse Financial as an independent company. Executives rejoiced Friday over strong annuity sales figures during a second-quarter earnings call. Brighthouse was spun off as a separate company from MetLife as part of its long-term strategy to become a leaner, less complex insurer focused on segments with a higher […]

    12 Best & Worst Broker-Dealers: Q2 Earnings, 2022

    {August 9th, 2022} by Janet Levaux

    The latest earnings season for the broker-dealer community wrapped up on Tuesday, when LPL Financial reported its second-quarter profits — which topped analysts’ estimates. “Amid persistent market volatility and geopolitical uncertainty, our advisors reinforced the value they provide to their clients by helping them navigate through [challenging] times,” LPL President and CEO Dan Arnold said […]

    Ex-Advisor Sentenced to Almost 22 Years in Prison Over Fake-Annuity Scam

    {August 9th, 2022} by Jeff Berman

    A former registered broker and investment advisor has been sentenced to almost 22 years in prison after being convicted of stealing over $9.3 million from clients as part of an annuities-related Ponzi scheme, according to court documents and the Department of Justice. After a trial in U.S. District Court for the Northern District of Ohio, […]

    Inflation Risk is the Top Financial Concern for Nearly Three in Four Women

    {August 9th, 2022} by Alliance for Lifetime Income

    WASHINGTON, Aug. 3, 2022 /PRNewswire/ — The latest chapter of HerMoney and the Alliance for Lifetime Income’s State of Women 2022 study finds that inflation risk (73%) tops the list of women’s financial concerns, ahead of illness or disability (71%), market volatility (70%), longevity (58%) and unemployment (43%). Yet only two in five women (41%) say they […]

    Retirees can rely on annuities as a source of guaranteed income for life

    {August 9th, 2022} by IAMS, Inc

    LINCOLN, Neb., Aug. 3, 2022 /PRNewswire/ — With industry surveys showing that most retirees’ #1 fear is running out of money,1 Insurance Agency Marketing Services, Inc. (IAMS) is pleased to highlight Annuity Awareness Month and the importance of annuities as a vehicle for secure retirement income. On Monday, July 11, IAMS’ Executive Vice President and General Counsel Chris Conroy joined Nebraska Governor Pete Ricketts at […]

    National Western Life Group, Inc. Announces 2022 Second Quarter Earnings

    {August 9th, 2022} by National Western Life Group, Inc.

    AUSTIN, Texas, Aug. 8, 2022 /PRNewswire/ — Ross R. Moody, Chairman of the Board, President, and Chief Executive Officer of National Western Life Group, Inc. (Nasdaq: NWLI), announced today second quarter 2022 consolidated net earnings of $30.8 million, or $8.70 per diluted Class A common share, compared with consolidated net earnings of $49.9 million, or $14.11 per diluted Class A common share, for the second […]

    AIG Reports Second Quarter 2022 Results

    {August 9th, 2022} by American International Group, Inc

    NEW YORK–(BUSINESS WIRE)–American International Group, Inc. (NYSE: AIG) today reported financial results for the second quarter ended June 30, 2022. AIG Chairman & Chief Executive Officer Peter Zaffino said: “AIG had another excellent quarter. General Insurance reported outstanding results and Life and Retirement again delivered a solid performance considering the significant market headwinds in the […]

    Principal Financial Group® Announces Second Quarter 2022 Results

    {August 9th, 2022} by Principal Financial Group

    Principal Financial Group® Announces Second Quarter 2022 Results DES MOINES, Iowa–(BUSINESS WIRE)–Principal Financial Group® (Nasdaq: PFG) announced results for second quarter 2022. Net income attributable to PFG for second quarter 2022 of $3,059.4 million, including $2,827.2 million from exited business, compared to $361.8 million for second quarter 2021. Net income per diluted share of $11.94 for second […]


    {August 9th, 2022} by ACLI

    WASHINGTON – American Council of Life Insurers (ACLI) President and CEO Susan Neely and National Association of Insurance and Financial Advisors (NAIFA) Colorado Political Action Committee Chair and Government Relations Committee member Brent Jones issued the following joint statement on the best interest annuity rule adopted recently by the Colorado Division of Insurance: “The new […]

    American Equity Reports Strong Results as Investment Yield Improves

    {August 9th, 2022} by American Equity Investment Life Holding Company

    WEST DES MOINES, Iowa–(BUSINESS WIRE)–American Equity Investment Life Holding Company (NYSE: AEL), a leading issuer of fixed index annuities (FIAs) today reported on its second quarter 2022 results. These results include improved yields in the investment portfolio, continued progress with our “best-in-class” asset origination partners, and continued share repurchase activities in-line with our capital return […]

    The Mystery of Why a Startup Bought a Small Seller of Burial Insurance

    {August 9th, 2022} by Cyril Tuohy

    Sheryl Moore, CEO of Wink, said Everly’s move appears to be a strategic decision to acquire a company that is successful for final expense policies, then distribute that product straight to consumers. “Final expense life insurance products are fairly transactional, so it would be an ideal product line for online distributing,” she added. Moore said […]

    Horace Mann reports second-quarter 2022 results slightly ahead of previous announcement

    {August 9th, 2022} by Horace Mann Educators Corporation

    SPRINGFIELD, Ill.–(BUSINESS WIRE)–Horace Mann Educators Corporation (NYSE:HMN) today reported financial results for the three months ended June 30, 2022: “Our capital generating capacity is strong, and we remain committed to driving shareholder value” Tweet this ($ in millions, except per share amounts)   Three Months Ended June 30,   Six Months Ended June 30,   […]

    WealthVest, in partnership with Aspida, offers new Lighthouse Index from Janus Henderson and Societe Generale

    {August 9th, 2022} by WealthVest

    WealthVest, a financial services marketing and wholesaling firm, in conjunction with Aspida Life Insurance Company (“Aspida”), a life insurance and annuity company, is now offering crediting strategies on an exclusive index from Societe Generale and Janus Henderson Investors on Aspida’s WealthLockSM Accumulator Fixed Index Annuity. The WealthLock SM Accumulator FIA, distributed solely by WealthVest’s nationwide […]

    Brighthouse Financial Announces Second Quarter 2022 Results

    {August 9th, 2022} by Brighthouse Financial, Inc

    CHARLOTTE, N.C.–(BUSINESS WIRE)–Brighthouse Financial, Inc. (“Brighthouse Financial” or the “company”) (Nasdaq: BHF) announced today its financial results for the second quarter ended June 30, 2022. Second Quarter 2022 Results The company reported net income available to shareholders of $957 million in the second quarter of 2022, or $12.77 per diluted share, compared with net income […]

    Lincoln Financial Group Reports Second Quarter 2022 Results

    {August 9th, 2022} by Lincoln Financial Group

    RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial Group (NYSE: LNC) today reported net income for the second quarter of 2022 of $238 million, or $1.34 per diluted share available to common stockholders, compared to net income in the second quarter of 2021 of $642 million, or $3.34 per diluted share available to common stockholders. Second quarter adjusted income […]

    Equitable Holdings Reports Second Quarter 2022 Results

    {August 9th, 2022} by Equitable Holdings, Inc

    NEW YORK–(BUSINESS WIRE)–Equitable Holdings, Inc. (“Equitable Holdings”, “Holdings”, or the “Company”) (NYSE: EQH) today announced financial results for the second quarter ended June 30, 2022. “With our resilient business model and fair value hedging program, we continued to deliver robust results and our balance sheet remains protected amidst challenging economic conditions and declining markets. We […]

    MetLife CFO John McCallion Provides Second Quarter 2022 Financial Update Video

    {August 9th, 2022} by Metlife

    NEW YORK–(BUSINESS WIRE)–MetLife, Inc. (NYSE: MET) today announced that Executive Vice President and Chief Financial Officer John McCallion has provided a second quarter 2022 financial update video. The video can be viewed on the company’s website at https://www.metlife.com/about-us/newsroom/#video. About MetLife MetLife, Inc. (NYSE: MET), through its subsidiaries and affiliates (“MetLife”), is one of the world’s leading […]

    Should FAs Be Tested for Cognitive Decline?

    {August 9th, 2022} by Sam Del Rowe

    Financial advisors have several ways of dealing with clients who may be behaving erratically, including freezing their accounts. But what’s the course of action when it’s the advisor exhibiting cognitive decline? “[T]he awkward part of the conversation [is] it’s not just clients. It’s me, it’s you, it’s financial advisors. None of us is immune from capacity […]

    Prudential Financial, Inc. Announces Second Quarter 2022 Results

    {August 9th, 2022} by Prudential

    NEWARK, N.J.–(BUSINESS WIRE)–Prudential Financial, Inc. (NYSE: PRU) today reported second quarter results. Net loss attributable to Prudential Financial, Inc. was $565 million ($1.53 per Common share) for the second quarter of 2022, compared to net income of $2.158 billion ($5.40 per Common share) for the second quarter of 2021. After-tax adjusted operating income was $664 […]

    Eight Ameriprise Financial Advisors Named to the Forbes Best-in-State Financial Security Professionals List

    {August 9th, 2022} by Ameriprise

    MINNEAPOLIS–(BUSINESS WIRE)–Ameriprise Financial, Inc. today announced that eight of the firm’s financial advisors were named to the Forbes list of the “Best-in-State Financial Security Professionals” in the country. Forbes recognizes the top financial advisors and professionals in the insurance industry for their excellence in helping clients protect against the financial risks posed by disability, death, or job loss. The […]

    A Majority of Americans Report a Financial Bright Spot Despite Declining Financial Confidence, According to New Findings from New York Life Wealth Watch Survey

    {August 9th, 2022} by New York Life

    NEW YORK–(BUSINESS WIRE)–As inflation remains elevated and the cost of everyday goods continues to rise, New York Life’s Wealth Watch Survey revealed that a majority (62%) of adults still report overall confidence in their ability to meet their financial goals, down from an average of 69% when compared to the beginning of the year. When asked to describe […]

    Why a life insurance policy appraisal should be part of your toolkit

    {August 9th, 2022} by William Scott Page

    At the midpoint of the year, it’s always helpful for agents and advisors to perform a broad assessment of their annual goals and modify their sales and marketing strategies accordingly. Based on conversations with producers, agents, advisors and clients, here are three mid-year resolutions for better client relationships in our current bear market. Click HERE […]

    How to get the most out of Life Insurance Awareness Month

    {August 9th, 2022} by Avo Mseka

    In  a few short weeks, the life insurance industry will be participating in Life Insurance Awareness Month. LIAM, the public awareness campaign conducted by Life Happens to educate consumers about the critical role insurance plays in a family’s financial plan, starts Sept. 1. Click HERE to read the full story via INN

    U.S. SEC addresses Wall Street ‘misconceptions’ about conflicts of interest

    {August 9th, 2022} by Katanga Johnson

    WASHINGTON, Aug 3 (Reuters) – The U.S. Securities and Exchange Commission (SEC) on Wednesday published a staff bulletin that seeks to clarify how broker dealers and investment advisors must address conflicts of interest when providing advice and recommendations to investors. The guidance aims to spell out expectations amid industry “misconceptions,” an SEC official told reporters, […]

    As stocks struggle, annuity sales soar to new heights

    {August 9th, 2022} by Nathan Place

    In a quarter marked by rising inflation, fears of recession and a volatile stock market, one financial instrument had a fantastic few months: annuities. In the second quarter of 2022, total annuity sales in the United States reached $77.5 billion — the highest quarterly sales ever recorded by LIMRA, an industry-funded firm that has been […]

    Midwest Holding Schedules Conference Call to Review Results from Second Quarter of 2022

    {August 9th, 2022} by Midwest Holding Inc

    LINCOLN, Neb., Aug. 4, 2022 /PRNewswire/ — Midwest Holding Inc. (“Midwest”) (NASDAQ: MDWT) today announced plans to host a conference call to discuss its financial and operating results for the second quarter of 2022 on August 16, 2022, at 8:30 a.m. Eastern Time. The Company also plans to post those results on the investor relations section of its website at https://ir.midwestholding.com  after […]

    CORRECTING and REPLACING American Financial Group, Inc. Announces Second Quarter Results

    {August 9th, 2022} by American Financial Group

    CINCINNATI–(BUSINESS WIRE)–Seventh paragraph, first sentence of release should read: “AFG had approximately $1.1 billion of excess capital (including parent company cash and investments of approximately $750 million) at June 30, 2022.” (instead of “AFG had approximately $1.1 billion of excess capital (including parent company cash and investments of approximately $1.7 billion) at June 30, 2022.”) […]

    Fidelity Taps Instagram Influencers to Reach Women

    {August 9th, 2022} by Alex Padalka

    Fidelity has opted to reach out to women through a number of Instagram influencers with hundreds of thousands of followers as part of a successful effort to engage women on the topic of money, according to news reports. The company worked with marketing firm SheSpeaks to reach “popular social media personalities,” such as Los Angeles-based Camden Scott, a […]

    Everything You Need to Know About Annuity Investing in 2022

    {August 9th, 2022} by Allison Kade

    If your clients are looking for ways to create an income stream for retirement, there’s a good chance you’ve at least thought about annuities. An annuity is an insurance contract through which investors pay premiums in return for a stream of payments for a specific period of time in the future. In some cases, that […]

    New trial for Greg Lindberg? Judge sets hearing.

    {August 9th, 2022} by Lauren Ohnesorge

    Embattled billionaire Greg Lindberg could soon know whether to expect a new trial for federal bribery charges after his conviction was overturned. Click HERE to read the full story via Triangle Business Journal

    With high inflation and volatility, do annuities make sense?

    {August 8th, 2022} by William G. Lako

    Rising interest rates, high inflation, and a declining stock market can push many investors to question their investment selection, especially those looking at retirement in a few short years. As such, the Secure Retirement Institute reported total U.S. annuity sales are at their highest since 2008. Does it make sense to purchase annuities in times […]

    At the Perfect Time

    {August 8th, 2022} by Karen Melchert and Brent Jones

    Before long, Colorado will welcome its 6 millionth resident. Whether they are an infant or a transplanted retiree, the new Coloradoan will be arriving at the perfect time. That’s because of a recent Colorado state rule that puts all of its residents – new and old – in a better position to achieve financial security […]

    Historical Snapshot the heck out of that!

    {August 2nd, 2022} by Wink's Intel Pros

    Starting with the 2Q2022, we will begin taking Historical Snapshots of our product specifications at the end of each quarter. This functionality gives you access to product specifications from past quarters. Wonder what the bonus used to be on that annuity? Check out the Historical Snapshot. How high was the street level compensation on that […]

    It’s my hope to leave a lasting impression on regulators

    {August 2nd, 2022} by Sheryl J. Moore

    I have been attempting to get Indexed Life illustrated rates regulated and under control for more than 17 years. The gamesmanship that is occurring, to boost illustrated values with a combination of hybrid indices and bonuses, has gotten ridiculous. It is my hope that teaming up with my competitor, Bobby Samuelson, on a letter to the […]

    AGA49a Joint Letter Samuelson Moore

    {August 2nd, 2022} by Sheryl J. Moore

    Please click 072522 AG49A Joint Letter Samuelson Moore to read the joint comment on the four potential options for handling the identified issue with Indexed Universal Life illustrations.

    Product experts: Regulators need to end ‘gamesmanship’ of IUL illustrations

    {August 2nd, 2022} by John Hilton

    Sheryl Moore of Moore Market Intelligence and Bobby Samuelson of The Life Product Review took the unusual step of co-authoring a comment letter on Actuarial Guideline 49-A. The pair are competitors in the product intelligence field. Click HERE to read the full story via INN

    Critics, Carriers Weigh in on Fractious Debate Over Indexed Life Illustrations

    {August 2nd, 2022} by Aaron Smith

    “I believe that a hard cap should be applied, with a range of returns that fluctuate on an outside benchmark, which is a barometer for prevailing interest rates,” said Sheryl Moore, CEO of market research firm Wink, in an email. Moore and Bobby Samuelson, president of Life Innovators and executive editor of The Life Product Review, and also five life insurers, submitted […]

    Why Insurers Should Take a Closer Look at the Integrity-Annexus Deal

    {August 2nd, 2022} by Cyril Tuohy

    “This deal could potentially open up new deals for product development for Integrity,” said Sheryl Moore, CEO of Wink, publisher of Wink’s Sales & Market Report, “If Integrity plans to open up the proprietary Annexus Group products to their existing distribution, it could mean more sales for insurance companies.” Click HERE to read the full story via […]

    Annexus and Integrity Join Forces to Transform Annuity and Life Insurance Product Design and Distribution

    {August 2nd, 2022} by Integrity Marketing Group

    DALLAS, July 27, 2022 /PRNewswire/ — Integrity Marketing Group, LLC (“Integrity”), a leading distributor of life and health insurance, and provider of wealth management and retirement planning solutions, today announced it has entered into an agreement to acquire Annexus, the foremost independent insurance and financial product design and distribution company. As part of the transaction, Ron Shurts, Co-Founder and CEO […]

    Index-Linked Variable Annuities Enter a New Stage of Differentiation

    {August 2nd, 2022} by Cyril Tuohy

    “Structured annuities are coming into their own,” said Sheryl Moore, CEO of Wink, publisher of Wink’s Sales & Market Report. “They are maturing, and innovating just as we would expect of a product that is a decade old.” Click HERE to read the full story via Life Annuity Specialist

    11 Best Life Insurance Companies of August 2022

    {August 2nd, 2022} by Georgia Rose

    The life insurance market in the U.S. is competitive, made up of a mix of longstanding insurers and newer “insurtechs” that sell policies online. To narrow down our list of the best life insurance companies, we looked at customer complaints data, consumer experience and financial strength. We also assessed the types of policies on offer, […]

    RILAs: One way to keep the ‘risk on’ in retirement

    {August 2nd, 2022} by David Blanchett

    These are difficult times for investors. So far in 2022, stocks and bonds are down, and inflation is up. While this may scare many investors away from investing in risky assets such as stocks, maintaining an exposure to the stock market can be essential for retirees who need to fund income for 30 years or […]

    Sounding The Alarm On Indexed Universal Life Insurance

    {August 2nd, 2022} by Ed Leefeldt and Les Masterson

    For more than a decade, indexed universal life insurance (IUL) has been one of the life insurance industry’s most profitable businesses. New IUL premiums increased by 29% in the fourth quarter of 2021 alone, according to LIMRA, an industry-funded financial research company. Click HERE to read the full story via Forbes   Wink’s Note: What?!? Okay- there […]

    Ameriprise Sees 11% Increase in Advisor Productivity

    {August 2nd, 2022} by Allison Bell

    Ameriprise Financial says its move to sell financial services products from other companies is going well. James Cracchiolo, the Minneapolis-based company’s CEO, noted Wednesday that the company has built up a force of 10,200 financial advisors, and that the average productivity of those advisors increased 11% between the second quarter of 2021 and the latest quarter, to […]

    The 3 Top Issues at Industry Events Now

    {August 2nd, 2022} by Bill Simpson

    As financial services conferences have returned to in-person, the critical role they play has become more apparent. What we have missed over the past couple of years is how pivotal they have been in facilitating discussions in real-time while helping industry professionals keep a pulse on the first-hand challenges both financial companies and their advisors […]

    Schumer-Manchin Deal May Raise Some Life Insurers’ Taxes

    {August 2nd, 2022} by Allison Bell

    The new Inflation Reduction Act of 2022 package could have an obvious effect on any insurance agents or financial advisors who help clients with health finance issues. The 725-page package could also have an indirect effect on life and annuity advisors, through provisions that do not mention life insurers directly but that could increase some […]

    Independent RIAs, Clients’ Annuities and Fiduciary Control

    {August 2nd, 2022} by Scott Bowers

    The growth of the fee-based advice model has led to a sea change in how financial advisors do business. It’s no longer enough to possess working knowledge of stocks, bonds, and relationship-building skills. Click HERE to read the full story via ThinkAdvisor

    New York Asks Life Insurers for Disaster Plan Updates

    {August 2nd, 2022} by Allison Bell

    The New York State Department of Financial Services has sent life insurers, retirement systems, health insurers and other life and health coverage providers a request for their new disaster response plans. Carriers are supposed to send in their updated disaster response plans and business continuity plans by Oct. 7. Click HERE to read the full […]

    House Financial Services Committee OKs Annuity Bill

    {August 2nd, 2022} by Allison Bell

    The House Financial Services Committee has approved a bill that could lead to a big increase in the number of registered index-linked annuities on the market. Committee members approved H.R. 4865, the Registration for Index-Linked Annuities Act, on Thursday by a unanimous vote. Click HERE to read the full story via ThinkAdvisor

    The New Rollover Rule Is Here: Are You Complying?

    {August 2nd, 2022} by Thomas D. Giachetti

    The new Department of Labor rule is now in effect. Is your firm doing everything required to comply with the new retirement rollover requirements as set forth in PTE 2020-02? I recently sat down with my colleague, Joe Antonakakis, to discuss compliance with the new rule. Antonakakis explained that the rule is designed to promote investment advice that is […]

    Life’s Risks: Flying Low and Fast

    {August 2nd, 2022} by Bill White

    We are always told that life is full of risks, but the thought of my Navy F-14 Tomcat being shot down really hit home to me while flying low altitude photo reconnaissance missions over a war zone in Bosnia-Herzegovina. The risks were ever-present — starting in flight school, preparing for deployment, and then actually flying […]

    Integrity Marketing to Acquire Annuity Designer Annexus

    {August 2nd, 2022} by Allison Bell

    Integrity Marketing — a big, rapidly growing life insurance and annuity distributor — today announced a deal that could turn it into a giant life and annuity product designer. The Dallas-based company has agreed to acquire Annexus, a company best known as a company that designs annuities and permanent life insurance products for companies like […]

    Digital Life And Income Insurance (Tech) Companies Is A Growing Trend

    {August 2nd, 2022} by Ken Leibow

    We see what I like to call “digital insurance companies” and think instant issue and direct-to-consumer for low priced limited benefit products.  Click HERE to read the full story via Broker World

    Protective Life

    {August 2nd, 2022} by Broker World

    Protective Life Corporation, a wholly owned U.S. subsidiary of Dai‑ichi Life Holdings, Inc., (TSE:8750) announced the launch of its Protective Aspirations variable annuity product, issued by its principal subsidiary Protective Life Insurance Company (“Protective”). “Whatever you aspire to achieve in retirement, it should be protected,” said Jim Wagner, chief distribution officer for Protective. Click HERE to […]

    Allianz Life

    {August 2nd, 2022} by Broker World

    To help clients who are looking for growth potential paired with a level of protection from market volatility, Allianz Life Insurance Company of North America (Allianz Life) has released enhancements on its Allianz Accumulation Advantage fixed index annuity (FIA). The FIA has been re-engineered to offer more competitive rates, along with the addition of the new […]

    Broker Words—August 2022

    {August 2nd, 2022} by Stephen Howard

    Sad news indeed for those of us who appreciate the brokerage business as it was in years past. An icon of those days, David Lenaberg, Ph.D., passed on April 20 in High Point, NC. Prior to his insurance career, Lenaberg earned a Ph.D. in mathematics from LSU and served as a professor there.  Click HERE […]

    Why Use An IMO?

    {August 2nd, 2022} by Charlie Gipple

    Once upon a time, the insurance companies that manufacture life, annuity, and long term care products generally owned their distribution. What that meant was the insurance agent that sold an insurance company’s products to the end-consumer was also an employee of the insurance company. For these “captive/career” companies, they were—and still are—able to provide training, […]

    AM Best Affirms Credit Ratings of Horace Mann Educators Corporation and Its Subsidiaries

    {August 2nd, 2022} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has affirmed the Financial Strength Rating (FSR) of A (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of “a” (Excellent) of the property/casualty (P/C) members of Horace Mann Insurance Group (Horace Mann), and Horace Mann Life Insurance Company (Horace Mann Life). In addition, AM Best has affirmed the FSR of A (Excellent) […]

    Barron’s Names Global Atlantic Among 100 Best Annuities for Income and Growth

    {August 2nd, 2022} by Global Atlantic Financial Group

    NEW YORK–(BUSINESS WIRE)–Global Atlantic Financial Group (“Global Atlantic”), a leading financial services company, today announced its inclusion in the annual Barron’s list of the Best Annuities. Annuities issued by Global Atlantic subsidiary Forethought Life Insurance Company were recognized by Barron’s in the Registered Index-Linked Annuities and Fixed-Indexed Annuities categories. ForeStructured Growth, the firm’s registered index-linked annuity (RILA), was recognized as […]

    American Equity Schedules Second Quarter 2022 Earnings Release, Conference Call and Webcast

    {August 2nd, 2022} by American Equity Investment Life Insurance Company

    WEST DES MOINES, Iowa–(BUSINESS WIRE)–American Equity Investment Life Holding Company (NYSE: AEL) announced today that it will release second quarter 2022 earnings and other financial results after the close of market on Monday, August 8, 2022. The second quarter earnings release and financial supplement will be posted on the American Equity IR website at https://ir.american-equity.com/ at that […]

    CNO Financial Group Reports Second Quarter 2022 Results

    {August 2nd, 2022} by CNO Financial Group, Inc.

    CARMEL, Ind., Aug. 1, 2022 /PRNewswire/ — CNO Financial Group, Inc. (NYSE: CNO) today announced that for the quarter ended June 30, 2022, net income was $136.1 million, or $1.16 per diluted share, compared to $78.0 million, or $0.58 per diluted share, in 2Q21. Net operating income (1) in 2Q22 was $100.1 million, or $0.85 per diluted share, compared to $89.1 million, or $0.66 per diluted share, in 2Q21. “CNO posted another […]

    Liberty Bankers Insurance Group Launches Agent Portal

    {August 2nd, 2022} by Liberty Bankers Insurance Group

    DALLAS, Aug. 1, 2022 /PRNewswire/ — Liberty Bankers Insurance Group (LBIG), a nationally recognized provider of life, health, and financial products, today announced the launch of an Agent Portal for its Home Service, PreNeed, and Supplemental Health lines of business. “Combining our high-touch, personalized service with a robust online Agent Portal, the LBIG team is available for support when […]

    Kansas City Life Announces Second Quarter 2022 Results

    {August 2nd, 2022} by Kansas City Life Insurance Company

    KANSAS CITY, Mo., July 29, 2022 /PRNewswire/ — Kansas City Life Insurance Company recorded net income of $4.5 million or $0.46 per share in the second quarter of 2022, an increase of $0.2 million or $0.02 per share relative to the second quarter of 2021.  In the first six months of 2022 we recorded a net loss of $3.2 million or $0.33 per share, compared to net income of $3.6 million or $0.37 per […]

    Northwestern Mutual Leads Industry in Forbes’ Ranking of “Top Financial Security Professionals”

    {August 2nd, 2022} by Northwestern Mutual

    MILWAUKEE, July 28, 2022 /PRNewswire/ — Northwestern Mutual advisors represent more than one quarter of the honorees on Forbes’ 2022 “Top 100 Financial Security Professionals” list, with over 270 advisors recognized as “Best-In-State Financial Security Professionals.” Northwestern Mutual’s majority representation in this year’s Forbes ranking exceeds that of its competitors and marks the highest participation rate on a single industry recognition list in company […]

    Northwestern Mutual deepens its decade-long commitment to fighting childhood cancer with $2 million donation to Alex’s Lemonade Stand Foundation

    {August 2nd, 2022} by Northwestern Mutual

    MILWAUKEE, July 27, 2022 /PRNewswire/ — Marking the 10-year anniversary of its Childhood Cancer Program, Northwestern Mutual, through its Foundation, has committed $2 million to Alex’s Lemonade Stand Foundation (ALSF) to support the organization’s Crazy 8 Initiative. As the initiative’s largest funder, Northwestern Mutual’s investment will support research for innovative and rigorous approaches that address the most intractable issues in […]

    The Majority of Americans Say Their Financial Planning Needs Improvement, But Only a Third Seek Professional Help

    {August 2nd, 2022} by Northwestern Mutual

    MILWAUKEE, July 27, 2022 /PRNewswire/ — More than six in 10 Americans (62%) say their financial planning needs improvement, yet only a third (35%) seek the help of a financial advisor according to the latest set of findings from the Northwestern Mutual 2022 Planning & Progress Study. The data also revealed a more near-term trend showing a […]

    Hybrid Work Reduced Attrition Rate by a Third, Study Shows

    {August 2nd, 2022} by Reade Pickert

    Hybrid work reduced attrition rates at a large technology firm by 35% and improved self-reported work satisfaction scores, with no negative impact on performance ratings or promotions, according to a new study co-authored by Nicholas Bloom of Stanford University. Click HERE to read the full story via Bloomberg

    Northwestern Mutual: Should Student Loan Borrowers Also Get Life Insurance?

    {August 2nd, 2022} by Northwestern Mutual

    NEW YORK, July 29, 2022 (GLOBE NEWSWIRE) — With student loan debt in the United States currently estimated to total $1.762 trillion, the price of higher education is quickly taking its toll on many households. Borrowers may be wondering if they need to consider their student loans when purchasing life insurance coverage. The answer to this depends on what […]

    National Guardian Life Insurance Company sells Settlers Life Insurance Company

    {August 2nd, 2022} by National Guardian Life Insurance Company

    National Guardian Life Insurance Company (NGL), a Madison-based mutual life insurance company, announced the sale of Settlers Life Insurance Company, a Wisconsin domiciled insurer, to Everly Holdings, LLC, the owner of Everly, LLC, a direct-to-consumer insurance agency. Approximately 225,000 policies that are geographically disbursed throughout the United States consisting of final expense and single premium […]