We would love to hear from you. Click on the ‘Contact Us’ link to the right and choose your favorite way to reach-out!

wscdsdc

media/speaking contact

Jamie Johnson

business contact

Victoria Peterson

Contact Us

855.ask.wink

Close [x]
pattern

Industry News

Categories

  • Industry Articles (22,300)
  • Industry Conferences (2)
  • Industry Job Openings (21)
  • Moore on the Market (513)
  • Negative Media (144)
  • Positive Media (73)
  • Sheryl's Articles (832)
  • Wink's Articles (379)
  • Wink's Inside Story (307)
  • Wink's Press Releases (129)
  • Blog Archives

  • February 2025
  • January 2025
  • December 2024
  • November 2024
  • October 2024
  • September 2024
  • August 2024
  • July 2024
  • June 2024
  • May 2024
  • April 2024
  • March 2024
  • February 2024
  • January 2024
  • December 2023
  • November 2023
  • October 2023
  • September 2023
  • August 2023
  • July 2023
  • June 2023
  • May 2023
  • April 2023
  • March 2023
  • February 2023
  • January 2023
  • December 2022
  • November 2022
  • October 2022
  • September 2022
  • August 2022
  • July 2022
  • June 2022
  • May 2022
  • April 2022
  • March 2022
  • February 2022
  • January 2022
  • December 2021
  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • July 2021
  • June 2021
  • May 2021
  • April 2021
  • March 2021
  • February 2021
  • January 2021
  • December 2020
  • November 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020
  • May 2020
  • April 2020
  • March 2020
  • February 2020
  • January 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • June 2019
  • May 2019
  • April 2019
  • March 2019
  • February 2019
  • January 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • May 2018
  • April 2018
  • March 2018
  • February 2018
  • January 2018
  • December 2017
  • November 2017
  • October 2017
  • September 2017
  • August 2017
  • July 2017
  • June 2017
  • May 2017
  • April 2017
  • March 2017
  • February 2017
  • January 2017
  • December 2016
  • November 2016
  • October 2016
  • September 2016
  • August 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • December 2015
  • November 2015
  • October 2015
  • September 2015
  • August 2015
  • July 2015
  • June 2015
  • May 2015
  • April 2015
  • March 2015
  • February 2015
  • January 2015
  • December 2014
  • November 2014
  • October 2014
  • September 2014
  • August 2014
  • July 2014
  • June 2014
  • May 2014
  • April 2014
  • March 2014
  • February 2014
  • January 2014
  • December 2013
  • November 2013
  • October 2013
  • September 2013
  • August 2013
  • July 2013
  • June 2013
  • May 2013
  • April 2013
  • March 2013
  • February 2013
  • January 2013
  • December 2012
  • November 2012
  • October 2012
  • September 2012
  • August 2012
  • July 2012
  • June 2012
  • May 2012
  • April 2012
  • March 2012
  • February 2012
  • January 2012
  • December 2011
  • November 2011
  • October 2011
  • September 2011
  • August 2011
  • July 2011
  • June 2011
  • May 2011
  • April 2011
  • March 2011
  • February 2011
  • January 2011
  • December 2010
  • November 2010
  • October 2010
  • September 2010
  • August 2010
  • July 2010
  • June 2010
  • May 2010
  • April 2010
  • March 2010
  • February 2010
  • January 2010
  • December 2009
  • November 2009
  • October 2009
  • August 2009
  • June 2009
  • May 2009
  • April 2009
  • March 2009
  • November 2008
  • September 2008
  • May 2008
  • February 2008
  • August 2006
  • Pan-American Life Insurance Group Appoints Sherri Lindenberg to Lead U.S. Marketing

    {February 5th, 2025} by Pan-American Life Insurance Group

    Pan-American Life Insurance Group (PALIG) has appointed Sherri Lindenberg as vice president, U.S. Marketing, effective January 27, 2025. As the leader of marketing initiatives for Pan-American Life’s U.S. Life and Accident & Health divisions, Sherri will play a key role in the company’s strategic initiative to position Pan-American Life Insurance Group for growth in the […]

    Midland National and North American Announce New Indexed Universal Life Products

    {February 4th, 2025} by Sammons Financial Group

    WEST DES MOINES, Iowa–(BUSINESS WIRE)–Midland National® Life Insurance Company and North American Company for Life and Health Insurance®, member companies of Sammons® Financial Group, Inc., are proud to unveil their enhanced Indexed Universal Life (IUL) products. Midland National announces Strategic Protector® IUL 2, and North American announces Protection Builder IUL® 2. These highly competitive, next generation products are […]

    Getting Clued In: How the SEC’s RILA Rulemaking Affects Variable Annuities

    {February 4th, 2025} by Harry Eisenstein

    The recent rule and form amendments adopted by the SEC to facilitate the registration of registered index-linked annuities (RILAs) and market-value adjustment annuities (MVAs) on Form N-4 have been broadly welcomed by the insured investment products industry. Some changes to Form N-4 brought by the RILA/MVA rulemaking, however, will also apply to issuers of variable annuities, […]

    Digital Transformation In Life Insurance: Lessons From Assumption Life’s Success

    {February 4th, 2025} by Ken Leibow

    While researching innovative strategies in the life insurance industry, I came across an insightful case study detailing Assumption Life’s transformative journey. The lessons from their success hold valuable implications not just for Canada but for the U.S. life insurance market as well. Inspired by their approach, this article explores the key takeaways from their case […]

    What If Life and Annuity Issuers Use Vendors With Bad AIs?

    {February 4th, 2025} by Allison Bell

    State insurance regulators are now looking hard at use of artificial intelligence tools and other high-tech tools at life and annuity issuers’ vendors. A team at the National Association of Insurance Commissioners wants to keep the issuers from using bad analysis without knowing it — or evading responsibility for intentional deception or unfair discrimination by […]

    Morgan Stanley Likes Annuity Issuers’ Investments in Securitized Assets

    {February 4th, 2025} by Allison Bell

    Annuity issuers are investing more of their portfolios in securitized assets, such as residential mortgage-backed securities and commercial mortgage-backed securities, and that should help them earn more money. A team of Morgan Stanley analysts led by Bob Jian Huang has given that assessment in a new commentary on investment trends at North American life and […]

    What I wish I knew when I started out in life insurance

    {February 4th, 2025} by Steve Spector

    As I reflect over the past 43 years, I wanted to share some key elements that I hope will help newer agents succeed in our amazing business. An agent’s career path can and will change over time, and mine certainly did. My career began as a 23-year-old agent with Northwestern Mutual. I had no clients, […]

    Apollo touts Athene annuity sales, sees ‘robust future’ in other products

    {February 4th, 2025} by John Hilton

    Higher fee revenue and strong retirement products drove another strong quarter for Apollo Global Management. A bold five-year plan laid out in October calls for Apollo to double in five years. Its Q4 results provided a strong start, with $33 billion of inflows and assets under management increasing 15% to $751 billion.  Read the story […]

    Life insurance financial ratings: a system in need of an update?

    {February 4th, 2025} by John Hilton

    After a pair of life insurers sued AM Best last year in response to a planned downgrade of their financial ratings, concerns quickly followed. The implications were readily apparent: is the door open for life insurance companies to sue their way to better ratings? Will financial ratings retain any meaning in the future? Read the […]

    2024 life insurance new premium tops $16B, sets new record, LIMRA says

    {February 4th, 2025} by John Hilton

    A strong fourth quarter drove life insurance new premium to another record, LIMRA reports. Total new annualized premium increased 4% in 2024 to $16.2 billion, according to LIMRA’s preliminary life insurance sales survey results. In 2023, total new premium hit a then-record $15.7 billion. Read the story via INN

    NY appeals court sides with Equitable in lengthy cost-of-insurance lawsuit

    {February 4th, 2025} by John Hilton

    Equitable Life Insurance Co. breached no contract terms when it imposed cost-of-insurance charges on a universal life policy, the New York Court of Appeals recently ruled. The court upheld a lower-court ruling against the Hobish family trust, who claimed the insurer improperly hiked COI charges in 2015. The ruling seemingly ends a lengthy legal odyssey […]

    T. ROWE PRICE, OHA AND ASPIDA FORMING STRATEGIC PARTNERSHIP

    {February 4th, 2025} by T Rowe Price

    Reflects T. Rowe Price’s commitment to expanding its client capabilities in insurance, its leadership in retirement asset management, and the growing intersection of traditional asset management, alternative investments, and insurance. BALTIMORE and NEW YORK and DURHAM, N.C., Feb. 3, 2025 /PRNewswire/ — T. Rowe Price Group, Inc. (NASDAQ-GS: TROW), a global investment management firm and a leader in retirement, T. Rowe Price’s alternative credit subsidiary […]

    AM Best Affirms Credit Ratings of Members of Aegon Ltd.’s U.S. Subsidiaries

    {February 4th, 2025} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has affirmed the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Ratings of “a+” (Excellent) of the U.S. life/health (L/H) subsidiaries of Aegon Ltd. (Bermuda) [NYSE: AEG]. Aegon Ltd.’s U.S. L/H companies are Transamerica Life Insurance Company (Cedar Rapids, IA) and Transamerica Financial Life Insurance Company (Harrison, NY) and […]

    Prudential Financial Recognized as 2025 Industry Leader by Fortune’s List of Most Admired Companies

    {February 4th, 2025} by Prudential Financial, Inc.

    NEWARK, N.J.–(BUSINESS WIRE)–Prudential Financial, Inc. (NYSE: PRU) announced today that it has been named to FORTUNE® magazine’s annual list of World’s Most Admired Companies. Further, Prudential ranked No. 1 in the Insurance: Life & Health industry. “We’re proud to be recognized by FORTUNE as a World’s Most Admired Company and as the industry leader in the […]

    AM Best Removes From Under Review With Developing Implications and Upgrades Credit Ratings of Mountain Life Insurance Company

    {February 4th, 2025} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has removed from under review with developing implications and upgraded the Financial Strength Rating to B+ (Good) from B (Fair) and the Long-Term Issuer Credit Rating to “bbb-” (Good) from “bb+” (Fair) of Mountain Life Insurance Company (Mountain Life) (Lexington, KY). The outlook assigned to these Credit Ratings (ratings) is stable. The […]

    Ameriprise Financial Reports Fourth Quarter and Full Year 2024 Results

    {February 4th, 2025} by Ameriprise Financial, Inc.

    MINNEAPOLIS–(BUSINESS WIRE)–Ameriprise Financial, Inc. (NYSE: AMP): Earnings Per Diluted Share   Return on Equity, ex AOCI (1)   Q4 2024   FY 2024     Q4 2024 GAAP $ 10.58   $ 33.05   GAAP 49.7 % Adjusted Operating, excluding unlocking $ 9.36   $ 35.07   Adjusted Operating, excluding unlocking 52.7 %       […]

    Best’s Special Report: Impairments in US Life/Health Insurance Industry Jump to 10 in 2023

    {February 4th, 2025} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–Ten insurance company impairments were identified in the U.S. life/health industry for 2023, following none in 2022, according to a new AM Best report. The Best’s Special Report, titled, “2023 US Life/Health Impairments Update,” states that during the 2000-2023 study period, 193 life/health insurers became impaired. These impairments consisted of 159 insolvent liquidations, 32 rehabilitations (of […]

    FINRA Beefs Up Its RILA Advice

    {February 4th, 2025} by Allison Bell

    Financial Industry Regulatory Authority examiners may be thinking more this year about registered index-linked annuities. FINRA has recognized the rise of the RILA by changing the name of the annuities section in its latest annual oversight report to “Annuities Securities Products,” from “Variable Annuities” in the 2024 report; adding many references to RILAs; and including an analysis of […]

    Pacific Life 2025 Carrier Forecast

    {February 4th, 2025} by Kevin Kennedy

    Why Pacific Life Insurance Company Is Optimistic About The Future Of Life Insurance Sales And Why You Should Be, Too. The life insurance industry has faced a challenging landscape in the last several years, marked by slow overall growth, which can be attributed to economic and regulatory uncertainties, demographic shifts, and the world-wide pandemic. Over […]

    Mutual Trust Life Solutions 2025 Carrier Forecast

    {February 4th, 2025} by Luke Cosme

    “It don’t come easy You know it don’t come easy Got to pay your dues if you wanna sing the blues And you know it don’t come easy.” —Ringo Starr. This time of year, I find myself singing this tune as, like many in our industry, I work through the challenges of goal setting, performance […]

    Key Trends In Life And Annuities For 2025

    {February 4th, 2025} by Joe Yurich with Katie Kahl, iPipeline

    The financial advisory industry is on a fast track to transformation. This year alone, the sector has adapted to regulatory changes, navigated a historic surge in demand for annuity products, and embraced new ways of working brought forward by next-gen technologies and customer demands. The volatility of the past few years has exerted tailwinds on […]

    A Conversation With Ron Barrett

    {February 4th, 2025} by P.E. Kelly

    F&G, the Des Moines based provider of retail insurance solutions for annuity, life and institutional clients, has for five years published its proprietary Risk Tolerance Tracker, an ambitious and quite in-depth analysis of how American investors are feeling abut their money… and just about everything that might effect it. From retirement risk, inflation and, in […]

    Here’s How Much Americans Expect to Need in Retirement (It’s a Lot)

    {February 4th, 2025} by John Manganaro

    While researchers generally suggest that people will need about 10 times their annual salary saved in order to successfully navigate retirement, 56% of working Americans say they expect to need at least 30 times their annual working income put away to fund life after work. This is one of the topline findings of a recent report published […]

    Recruiters share the red flags they look out for in job candidates

    {February 4th, 2025} by Sarah Jackson

    The impression you make in a job interview can make or break your chances of getting the role. Just as candidates look for red flags in potential employers, hiring teams do the same for candidates. Recruiting pros shared the red flags they watch for, from lateness to AI-generated cover letters. You might have your own “red flags” you look […]

    Annuity Sales Are Breaking Records. Should You Be Buying an Annuity in 2025?

    {February 4th, 2025} by Selena Maranjian

    Sales of annuities have been booming in recent years. According to an InsuranceNewsNet article citing Limra’s U.S. Individual Annuity Sales Survey, “in the first nine months of 2024, total annuity sales increased 23% [year over year] to $331.2 billion and are on pace for another record-breaking year.” That’s on top of a 23% year-over-year gain in […]

    That Annuity Show

    {February 4th, 2025} by That Annuity Show

    In this episode industry leaders Sheryl J. Moore, Wink, Inc.., and Michele Trogni, CEO of Zinnia, a guest host, explore the evolving landscape of insurance and annuities, from digital transformation challenges to opportunities for growth. The discussion weaves together Moore’s journey from personal investment challenges to becoming the “Annuity Rockstar” with Trogni’s vision for technological […]

    Wink’s Virtual Career Fair

    {February 4th, 2025} by Wink's Intel Pros

    Wink is supporting the annual Insurance Careers Month during February with a virtual career fair for the life insurance and annuity industry. In February, annuity and life insurance job openings are featured in our weekly newsletter and posted on our website, reaching thousands of members! Please view https://www.winkintel.com/category/insurance-industry-job-openings/ for all of the openings.   PLEASE […]

    Sr Resolution Analyst, American Equity

    {February 4th, 2025} by American Equity

    At American Equity Investment Life Holding Company ® we offer leading annuity products that help empower our clients to fulfill their needs and wants in retirement. Our success comes from hiring high-energy individuals who embody the beliefs that drive our unique culture. We currently fund over half a million retirements nationwide, and have been headquartered […]

    Regional Vice President (Minnesota), Eagle Life

    {February 4th, 2025} by American Equity

    At American Equity Investment Life Holding Company ® we offer leading annuity products that help empower our clients to fulfill their needs and wants in retirement. Our success comes from hiring high-energy individuals who embody the beliefs that drive our unique culture. We currently fund over half a million retirements nationwide, and have been headquartered […]

    Product Configuration Analyst / Hybrid, Allianz

    {February 4th, 2025} by Allianz Life

    At Allianz Life, we are driven by our mission – we secure your future – and by our common goal of caring for tomorrow. We care for our employees by promoting an inclusive culture where everyone has the opportunity to grow and be rewarded for their success. We care for our customers by creating new […]

    Regional Vice President, Sales, EquiTrust

    {February 4th, 2025} by EquiTrust

    The Regional Vice President works collaboratively with the sales and marketing team, as well as independently, to accomplish their daily responsibilities, with the ultimate goal of driving sales and providing excellent customer service. This individual is responsible for the distribution of EquiTrust Life Insurance products through the support of core distribution partners, marketers, and producers. […]

    AVP, Actuary, Kuvare

    {February 4th, 2025} by Kuvare

    Kuvare is a growth-oriented insurance platform that delivers diversified annuities, life insurance, and supplemental products to the middle-income and mass-affluent consumer segments through its acquisition-led growth strategy. Kuvare provides proven capabilities, strategic support, substantial resources, and patient capital to help insurance companies pursue and achieve sustainable growth opportunities. With its patient capital, Kuvare targets differentiated […]

    National Account VP, John Hancock

    {February 4th, 2025} by John Hancock

    The National Account Vice President for Producer Group Distribution plays a key role in driving John Hancock’s sales growth by expanding relationships with producers and advisors specializing in the high-net-worth market. This position requires exceptional leadership to address the unique demands of Producer Group Accounts, which often involve specialized support and concierge-level service to meet […]

    SVP, Wealth Management Solutions, Corebridge Financial

    {February 4th, 2025} by Corebridge Financial

    At Corebridge Financial, Action is Everything. We are a new company, but not a new business. We are one of the largest and most established providers of retirement solutions and insurance products in the United States, with a long and proven history of serving our clients. Every day, we proudly partner with financial professionals and […]

    Chief Growth Officer – Business Development , Prudential

    {February 4th, 2025} by Prudential

    Project Mgmt, Transformation & Strategy – Project Mgmt, Transformation & Strategy Continuing on the execution of our vision of expanding access to insurance and financial products, Prudential created a ‘start-up’ operating environment within the existing ILI business to accelerate and win in the Simplified Solutions space. This dedicated team leverages the size and scale of […]

    Sr. Regional Sales Associate, Sammons Financial Group Companies

    {February 4th, 2025} by Sammons Financial Group Companies

    Responsible for achieving annuity sales, recruiting, and other related goals within assigned region for Midland National Life (MNL) Insurance Company. Identify and build relationships with targeted Financial Advisors and Broker Dealer Partners to successfully market and drive annuity sales. Position product and company benefits and strengths through phone calls and face-to-face meetings. What You’ll Do […]

    Head of Product Development, Prosperity Life

    {February 4th, 2025} by Prosperity Life

    Our growing company is building our team of insurance professionals to lead our product development, implementation, and management. We are launching a new suite of FIA products next year and will continue to revamp and expand our product line-up over time. You develop initial hypotheses for product features and specifications, based on competitive market assessment […]

    (Remote) Director of Product Management, Fidelity Life

    {February 4th, 2025} by Fidelity Life

    What You’ll Do: Lead with Purpose: Set strategic direction and provide leadership for product owners and scrum masters, championing collaboration and innovation. Empower Talent: Identify and nurture top talent, partnering with recruiting to build a high-performing, diverse product team. Guide Best Practices: Coach your team in agile product development practices, from defining customer needs to […]

    Marketing Manager, Annuity Products, Corebridge Financial

    {February 4th, 2025} by Corebridge Financial

    Corebridge Financial helps people make some of the most meaningful decisions they’re ever going to make. We help them plan and take action to protect the future they envision, and respond to some of life’s most difficult moments through the solutions and services we provide. We do this through our broad portfolio of life insurance, […]

    Annuity Marketer (Wholesaler), Apex Financial Wholesalers

    {February 4th, 2025} by Apex Financial Wholesalers

    Are you a Financial Professional or Annuity Marketer/Wholesaler looking for your next challenge? We are a newly formed IMO looking for Affiliate Annuity and Life Insurance Wholesalers/Marketers to market Annuities to their existing book of producers as well as prospective producers. We offer you the ability to run the business as your own including full […]

    National Sales Distribution Manager/Annuity Division, Wellabe

    {February 4th, 2025} by Wellabe

    The National Sales Distribution Manager/ Annuity division is responsible for executing the organization’s distribution of product information and strategies, including cultivating relationships, developing and facilitating trainings, growing the business, and driving sales with assigned distribution channel(s) and/or key accounts nationally. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform these […]

    Regional Marketing Director – Midwest, Penn Mutual

    {February 4th, 2025} by Penn Mutual

    Position Overview ** Candidate’s note: We are looking for candidates who are located in Michigan only.   We are looking for a Regional Marketing Director (RMD) to be part of our Midwest Region team covering Michigan as a territory. This role will report the Regional Vice President.   The RMD is to generate Penn Mutual […]

    Need a compliance job?

    {February 4th, 2025} by Sheryl J. Moore

    I have a client located in Dallas, TX who is hiring for a “Compliance Analyst II.” This is not a remote position. The ideal candidate would have life, health and annuity regulatory reporting and product filing experience. There is growth and opportunity, both, for the right candidate. Qualified and interested? Shoot me your resume: sjm@intelrockstar.com.  […]

    In search of the ultimate data geek? #AnalyticsGoals

    {February 4th, 2025} by Sheryl J. Moore

    I need the help of #TheAlmightyNetwork again! I have a friend that is looking for their next opportunity. I am totally fangirl over this person, who is a data geek, like me- but they are all #AnalyticsGoals. They have held senior leadership positions, with a focus on data and analytics. And while at one time […]

    In search of a Senior Technology Leader?

    {February 4th, 2025} by Sheryl J. Moore

    Oh, #AlmightyNetwork, I could use your help again. I have a friend who recently worked as a Senior Technology Leader whose position was eliminated, as part of an insurance company reorg. This individual is inquisitive, kind, and knowledgeable. In addition to his technical expertise, I admire his deep understanding of the life/annuity industry’s business landscape; […]

    Internal Wholesaler, Home office

    {February 4th, 2025} by Sheryl J. Moore

    I have a home office friend, who is looking to hire an internal wholesaler. The right candidate must have experience, and have relationships with field marketing organizations (FMOs). If there is experience with banks and/or broker dealers, that is a HUGE plus! If you are qualified, and interested, send your resume to me, via my […]

    Head of Product & Partner Solutions, Transamerica

    {February 4th, 2025} by Transamerica

    At Transamerica, hard work, innovative thinking, and personal accountability are qualities we honor and reward. We understand the potential of leveraging the talents of a diverse workforce. We embrace an environment where employees enjoy a balance between their careers, families, communities, and personal interests. Ultimately, we appreciate the uniqueness of a company where talented professionals […]

    RILAs Are Still Breaking Sales Records

    {February 4th, 2025} by Ben Mattlin

    According to insurance-industry data tracker LIMRA, the only type of annuity that’s had record high sales every year since its introduction in 2011 is the registered index-linked annuity, also known as the “RILA.” It’s not hard to understand why. This variation on variable annuities invests in mutual-fund-like subaccounts, allowing a high degree of market exposure. […]

    Life insurance: intelligent underwriting accelerates in the U.S.

    {February 4th, 2025} by Alain Thériault

    Not to be confused with simplified-issue individual life insurance, accelerated underwriting allows customers to avoid examinations and blood tests when purchasing a traditional whole life, universal life or term life insurance product. In its infancy in the mid-2010s, accelerated underwriting pushed its limits, growing from offering coverage in the hundreds of thousands of dollars to […]

    Broker Words—January/February 2025

    {February 4th, 2025} by Stephen Howard

    In Memoriam: I hate that the need arises to write these, obviously, and particularly in this instance as the industry and Broker World has lost three good friends recently. Ray Morgan was born in Des Moines January 22, 1945, and we lost him September 4, 2024. He attended Drake University in Des Moines before embarking on […]

    Mutual of Omaha 2025 Carrier Forecast

    {February 4th, 2025} by Randy Mousel and Jim Duff

    Raising The Bar In 2025. Customer-centric growth has been a hallmark of Mutual of Omaha’s story for 115 years. As we look to the future, our purpose to help our customers protect what they care about and achieve their financial goals is as relevant as ever. We’re operating in an uncertain and complicated world where […]

    Bigger audience, no cost, and better talent

    {January 28th, 2025} by Wink's Intel Pros

    Every year in February, Wink hosts a virtual career fair in our weekly newsletter.  Annuity and life insurance job openings are featured in the newsletter and posted on our website, reaching thousands of members.  Please send your open job postings (no agent recruiting) to jamie@winkintel.com to be the first ones included in the upcoming February 4th’s […]

    North American Company Announces NAC Guaranteed Allocation℠ Fixed Index Annuity

    {January 28th, 2025} by Sammons Financial Group

    WEST DES MOINES, Iowa–(BUSINESS WIRE)–North American Company for Life and Health Insurance® (North American), member company of Sammons® Financial Group and one of the largest issuers of fixed index annuities (FIAs) in the U.S.1, announces NAC Guaranteed Allocation℠ fixed index annuity. NAC Guaranteed Allocation FIA helps provide a seamless, smart way to pursue diversified growth potential and offers 5-, […]

    Top objections to purchasing an annuity?

    {January 28th, 2025} by Sheryl J. Moore

    Top objections to purchasing an annuity… GO! -sjm Join in the LinkedIn discussion HERE.

    Basics of indexed annuities

    {January 28th, 2025} by Sheryl J. Moore

    I’ve had a couple of newbies ask me about the basics of indexed annuities. I have three resources for you: https://www.winkintel.com/insurance-basics/annuities/ and https://www.linkedin.com/pulse/basics-indexed-annuities-sheryl-moore/ AND The document. 021422 Wink Annuity Quick Reference   (Note that the LinkedIn article is dated, but still relevant. The biggest change is in the number of indices and indexing methods offered […]

    Appeals Court Sides With Equitable in NY Universal Life Case

    {January 28th, 2025} by Allison Bell

    The highest court in New York state has ruled in favor of the life insurer in a case involving a universal life policy’s cost-of-insurance charges. All seven judges at the New York Court of Appeals agreed to uphold a lower-court ruling dismissing the plaintiff’s claims for damages against Equitable Life. The court ruled that Richard […]

    Retirement conundrum: crippling health care costs or start dumping assets?

    {January 28th, 2025} by Steve Randall

    Millions of Americans are facing a challenging decision about their retirement that could include spending-down their assets. Read the full story via InvestmentNews     Wink’s Moore on the Market: To crush under crippling health care costs, or spend-down your assets- that is the question we ponder here. This piece highlights an interesting survey by Jackson. Among […]

    SCOTUS hears Cornell case with potential consequences for retirement plan litigation

    {January 28th, 2025} by Emile Hallez

    The US Supreme Court heard oral arguments Wednesday in a long-running lawsuit against Cornell University – and the forthcoming decision could make it significantly easier or harder for plaintiffs to bring certain class actions claims against retirement plan fiduciaries. Read the full story via InvestmentNews     Wink’s Moore on the Market: Interested in James […]

    Folks- KNOW YOUR AUDIENCE.

    {January 28th, 2025} by Sheryl J. Moore

    I was posting on a forum for insurance agents this morning. Someone commented to me, “You got your panties in a wad over nothing.” Someone else JUST commented, “Grannie, or thong?” Folks- KNOW YOUR AUDIENCE. Be professional. Don’t be offensive. I like to treat social media like “The New York Times.” If you don’t want […]

    Six in 10 people think they need to save 30 annual salaries for retirement

    {January 28th, 2025} by Steve Randall

    Most people expect to retire and are aware of retirement even before they start work.  Read the full story via InvestmentNews     Wink’s Moore on the Market: “A new survey shows just how far removed perception can be from reality, with 56% of employees polled thinking they need to have saved 30 times their annual salary […]

    US life insurer Brighthouse Financial seeks to sell itself

    {January 28th, 2025} by Sujeet Indap and Antoine Gara

    Prominent private capital managers expected to bid for group with market value of $3bn. Read the full story via Financial Times     Wink’s Moore on the Market: According to Financial Times, Brighthouse Financial is looking for a buyer. I predict it will be Venerable, but I could be completely off-base. Brighthouse has a 2.21% […]

    When should you claim Social Security? Retirement strategist explains key considerations.

    {January 28th, 2025} by Robert Powell

    Social Security isn’t going bankrupt, but challenges lie ahead. The Social Security trust fund is expected to pay full benefits until 2033. While the program won’t disappear entirely after that date, payments could decrease to 79% of scheduled benefits. “If nothing happens, 79% of benefits will still be there for about the next 75 years,” […]

    PHL Variable policyholders: moratorium on policy benefits ‘inequitable’

    {January 28th, 2025} by John Hilton

    A pair of PHL Variable Insurance Co. policyholders are asking a Connecticut court to reconsider a $300,000 moratorium on benefits created by the Department of Insurance. Dana Montana and Dennis DeGori filed a motion to intervene Friday with the Superior Court for the Judicial District of Hartford. Both own Phoenix Protector Universal Life II policies […]

    9th Circuit: proof of harm required in California life insurance lapse lawsuit

    {January 28th, 2025} by John Hilton

    If a federal appeals court interpretation of California life insurance lapse laws stands, it could “undermine” regulations nationwide, the plaintiff claims. LaWanda D. Small initially won a partial summary judgment and class certification from the U.S. District Court for the Central District of California. Small sued Allianz Life Insurance Co. of North America after the […]

    Court names special master to unwind Greg Lindberg’s holdings, pay victims

    {January 28th, 2025} by John Hilton

    A North Carolina federal court appointed a special master team to unwind Greg Lindberg’s financial empire and reimburse his victims. District Judge Max O. Cogburn, Jr. named bankruptcy attorney Joseph Grier of Grier Wright Martinez PA to serve as special master. Scott Avila of Paladin Management will serve as the special master’s financial advisor, according […]

    Jackson Study Reveals Vast Underestimation of Healthcare and Long-Term Care Costs in Retirement Planning

    {January 28th, 2025} by Jackson National Life Insurance Company

    LANSING, Mich.–(BUSINESS WIRE)–Jackson National Life Insurance Company® (Jackson®), the main operating subsidiary of Jackson Financial Inc.1 (NYSE: JXN), today released key findings on how retirees and financial professionals perceive healthcare risk and the associated impacts on retirement income planning, including costs of healthcare and long-term care. The study is the third installment of Jackson’s Security in Retirement […]

    Prudential Financial to Reinsure $7B Japanese Whole Life Block with Prismic Life

    {January 28th, 2025} by Prudential Financial

    NEWARK, N.J.–(BUSINESS WIRE)–Prudential Financial, Inc. (NYSE: PRU) announced today an agreement to reinsure a portion of its recently originated Japanese whole life policies with a subsidiary of Prismic Life (Prismic), a Bermuda-based life and annuity reinsurance company sponsored by Prudential and Warburg Pincus and supported by a group of global investors. Under the terms of […]

    Pacific Life Announces $9.5 Million Charitable Giving Program for 2025

    {January 28th, 2025} by Pacific Life Insurance Company

    NEWPORT BEACH, Calif.–(BUSINESS WIRE)–Pacific Life has announced plans to give $9.5 million in charitable contributions throughout 2025, supporting the communities where it operates, both in the United States and internationally. Together with the Pacific Life Foundation, Pacific Life’s global philanthropy program will focus on investing in community impact-driven programs that enable current and future generations […]

    Coventry Appoints Dan LaBert to Senior Vice President, Strategic Accounts

    {January 28th, 2025} by Coventry

    FORT WASHINGTON, Pa., Jan. 22, 2025 /PRNewswire/ — Coventry, the leader and creator of the secondary market for life insurance, today announced the appointment of Dan LaBert to Senior Vice President, Strategic Accounts. In his new role, LaBert will be responsible for developing and expanding strategic relationships with life insurance carriers and industry groups. “We’re thrilled to have Dan […]

    The Mystery Continues: IUL Proprietary Indices Challenged in RICO Suit

    {January 28th, 2025} by Irma Reboso Solares

    Since the enactment of the Racketeer Influenced and Corrupt Organizations (RICO) Act, it has been invoked in civil litigation with mixed results. Congress did not intend for RICO to become a surrogate for plaintiffs’ state law fraud and breach of contract claims. As the Third Circuit Court of Appeals observed in Annulli v. Panikkar, “if […]

    This Ohio Regulator Will Help Shape How U.S. Annuity Sales Rules Really Work

    {January 28th, 2025} by Allison Bell

    Judith French will continue to be one of the most important shapers of how U.S. annuity sales and distribution rules work going forward. The National Association of Insurance Commissioners has announced that French will return as the chair of its Life Insurance and Annuities Committee. For now, the committee has just one concrete item on […]

    COLI Advisors are Retiring Faster than They Can Be Replaced

    {January 28th, 2025} by Jessica Dowdy

    Over the last year, more Americans turned 65-years-old than at any other point in history, with roughly 12,000 people a day reaching retirement age — including financial advisors. According to a report from Cerulli Associates, 38% of advisors plan to retire within the next 10 years. What’s more, the “rookie failure rate” is nearly double that […]

    If you are a operations staff for a financial advisor or FMO, or maybe a junior advisor or advisor (who is just starting out)- this exclusive program is for you.

    {January 28th, 2025} by Sheryl J. Moore

    My dear friend Katelyn Graham, of The Admin Effect, has a couple of spots left in her limited-engagement training program. So if you are operations staff for a financial advisor or FMO, or maybe a junior advisor or advisor (who is just starting out)- this exclusive program is for you. This training will cover: – […]

    LIMRA: 2024 retail annuity sales set $432B record, but how does 2025 look?

    {January 28th, 2025} by Staff Reports

    Total annuity sales were $432.4 billion in 2024, up 12% yearly, according to preliminary results from LIMRA’s U.S. Individual Annuity Sales Survey, representing 83% of the U.S. annuity market. It marks the third consecutive year of record-high annuity sales. Annuity sales were $313 billion in 2022 and $385 billion in 2023. Experts expect another strong year in 2025. […]

    Cryptocurrency is a Gamble for Older Americans

    {January 28th, 2025} by AnnuityAdvantage

    Should you consider investing in crypto? “It depends on where you are in life and what your financial situation is. The rule is, don’t gamble with any money you can’t afford to lose,” says Ken Nuss, CEO of AnnuityAdvantage, an annuity marketplace. Read the full story via YAHOO!Finance   Wink’s Moore on the Market: File this […]

    Annuity Sales Are Breaking Records. Should You Be Buying an Annuity in 2025?

    {January 28th, 2025} by Selena Maranjian for The Motley Fool

    Sales of annuities have been booming in recent years. According to InsuranceNewsNet, “in the first nine months of 2024, total annuity sales increased 23% [year over year] to $331.2 billion and are on pace for another record-breaking year.” That’s on top of a 23% year-over-year gain in 2023, as well. Here’s an introductory look at […]

    Voya launches innovative new permanent life insurance offering through the workplace

    {January 28th, 2025} by Voya Financial

    WINDSOR, Conn.–(BUSINESS WIRE)–Voya Financial, Inc. (NYSE: VOYA) announced today the launch of its Lifetime Life Insurance* offering, an innovative new solution designed to complement conventional term life insurance offerings through the workplace. As a new group term permanent life insurance that includes an accelerated benefit for long-term care (LTC), Voya’s Lifetime Life Insurance provides enrolled […]

    Nationwide introduces Heritage Single Premium Whole Life Insurance

    {January 22nd, 2025} by Nationwide

    COLUMBUS, Ohio, Jan. 15, 2025 /PRNewswire/ — Nationwide is introducing the Nationwide Heritage® Single Premium Whole Life (SPWL) insurance product, a new solution that can significantly increase funds left to loved ones compared to traditional investment options. Heritage SPWL is a life insurance policy that offers a quick and easy way to turn funds into a larger gift for […]

    AM Best Affirms Credit Ratings of Prudential Financial, Inc. and Its Life/Health Subsidiaries

    {January 22nd, 2025} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has affirmed the Financial Strength Rating (FSR) of A+ (Superior) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of “aa-” (Superior) of the life/health insurance subsidiaries of Prudential Financial, Inc. (PFI) (Newark, NJ) [NYSE: PRU], collectively referred to as Prudential. Concurrently, AM Best has affirmed the Long-Term ICR of “a-” (Excellent) of […]

    Prudential, Dimensional Fund Advisors and FIDx collaborate to help reinvent retirement income in wealth management

    {January 22nd, 2025} by Prudential

    NEWARK, N.J.–(BUSINESS WIRE)– Prudential Financial, Inc. (NYSE: PRU) today announced plans to collaborate with Dimensional Fund Advisors and Fiduciary Exchange LLC (FIDx) to bring protected lifetime income strategies to managed accounts via the FIDx Insurance Overlay marketplace. This initiative is designed to further meet the evolving needs of retirement investors who partner with registered investment advisors […]

    Lincoln Financial Expands Life Insurance Portfolio With Launch of Two New Variable Universal Life Products

    {January 22nd, 2025} by Lincoln Financial

    RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial (NYSE: LNC) launched two new Variable Universal Life (VUL) products in the next generation of Lincoln AssetEdge – an enhanced version of Lincoln AssetEdge VUL (2025) and the all-new Lincoln AssetEdge SVUL – to meet the diverse financial goals and protection needs of individuals, couples and businesses. “Our new AssetEdge solutions offer clients looking for growth potential an opportunity […]

    The Sears Catalog Has a Lesson for the Annuity Industry

    {January 22nd, 2025} by Bill Broich

    The Sears catalog once seemed as essential as electricity itself. Now, it’s gone. Its fate serves as a warning for what could happen to the annuity industry if industry marketing fails to evolve. The Sears Catalog Sears Roebuck created the Sears catalog and quickly made it the source of everything Americans needed from pairs of […]

    Federal Appeals Court Rules on How to Read a Life Insurance Policy

    {January 22nd, 2025} by Allison Bell

    The 8th U.S. Circuit Court of Appeals has issued a ruling that could affect how life insurers set cost-of-insurance charges for holders of universal life insurance policies. A three-judge panel issued the ruling in connection with Christopher Meek v. Kansas City Life Insurance Company, a class-action suit filed in 2019. In 2023, a federal district […]

    Insurers cite misinformation as top risk in 2024

    {January 22nd, 2025} by Susan Rupe

    Global insurers cited misinformation as the top risk in 2024, toppling extreme weather from the place it held in a similar survey 10 years ago. The top risks named by insurers in 2024, according to the World Economics Forum Global Risk Report, and discussed during a recent Baker Tilly webinar, included: View the list via INN

    Symetra reaches $32.5 million settlement over cost-of-insurance charges

    {January 22nd, 2025} by John Hilton

    A group of Washington policyholders are asking a federal judge to preliminarily approve a $32.5 million settlement with Symetra Life Insurance Co. over cost-of-insurance claims. If approved, the 11-state settlement deal will cover about 43,000 policyholders in the class. The other policyholders live in Arizona, California, Florida, Illinois, Indiana, Kentucky, Minnesota, Missouri, South Carolina and […]

    Prudential study: Babies born today will likely need nearly $2M to retire

    {January 22nd, 2025} by John Hilton

    Babies born today are going to live a very different life filled with technological advancements and healthcare innovations, a new Prudential study finds. One thing that won’t change is the need for a bountiful retirement nest egg. It might actually be more important than ever if life expectancy resumes rising. For sure, recent trends of […]

    Common myths and misconceptions about IUL

    {January 22nd, 2025} by Drew Gurley

    Indexed universal life insurance offers a unique blend of death benefit protection and cash value accumulation tied to the performance of a stock market index. However, as with other types of life insurance, there are several misconceptions that can hinder an agent’s ability to effectively sell IUL. Read the full story via INN Wink’s Moore […]

    What an honor!

    {January 22nd, 2025} by Sheryl J. Moore

    What an honor for me to have my mentor, Joe Jordan, promoting my book!    -sjm   “Her personal story provides credibility in her convictions and beliefs about where she wants to put her money. It’s not just the left-brain analytical, fact-driven approach. There are personal experiences that shaped her opinions and would certainly be […]

    BlackRock In-Plan Annuity Program Attracts $16B in Assets

    {January 22nd, 2025} by Allison Bell

    BlackRock has attracted six employer plans with $16 billion in assets under management for a new program that can add an annuity spigot to a 401(k) plan account. The New York-based asset manager said the list of employers now using the LifePath Paycheck program includes Avangrid, Adventist HealthCare Retirement Plans, the Tennessee Valley Retirement System […]

    Revol One Financial partners with Knighthead Re

    {January 22nd, 2025} by Staff

    Revol One Financial  , a fixed annuity carrier, has completed a reinsurance transaction with Knighthead Annuity & Life Assurance Company  (Knighthead Re). The deal aims to enhance Revol One’s financial strength, reduce capital constraints, and support its growth strategy. Knighthead Re, rated A- by AM Best, brings expertise in annuity pricing and design, aligning with Revol One’s focus […]

    MIB Announces New Data and Analytics Service Providing Unique Insights into Life Insurance Application Activity

    {January 22nd, 2025} by MIB

    BRAINTREE, Mass., Jan. 14, 2025 /PRNewswire/ — MIB, the life insurance industry’s most trusted and secure partner for data-driven insights and digital services announced the launch of MIB AptivitySM, a new data and analytics service that maximizes visibility into near real-time market share and market trends. For decades, MIB has been a trusted source of trends in individually […]

    Guardian Recognized with DALBAR’s 2024 Annuity Service Award

    {January 22nd, 2025} by DALBAR

    MARLBOROUGH, Mass., Jan. 22, 2025 /PRNewswire/ — DALBAR, the leading auditor of customer service within the financial services industry, is excited to announce The Guardian Life Insurance Company of America® (Guardian) as the distinguished recipient of the 2024 DALBAR Annuity Service Award. This prestigious accolade honors those who have demonstrated exceptional customer service support to their annuity clients. This […]

    Midland Advisory Focused on Growing Registered Investment Advisor Channel Presence

    {January 22nd, 2025} by Midland National Life Company

    WEST DES MOINES, Iowa–(BUSINESS WIRE)–Midland National® Life Insurance Company, a member company of Sammons Financial Group®, is seeing strong growth in annuity sales through its Midland Advisory channel. Established in 2020, Midland Advisory has invested in a strategy to bolster product sales through the Registered Investment Advisor (RIA) channel. In that time, the team has introduced several […]

    Jackson to Report Fourth Quarter and Full-Year 2024 Financial Results and Provide 2025 Outlook

    {January 22nd, 2025} by Jackson National Life Insurance Company

    LANSING, Mich.–(BUSINESS WIRE)–Jackson Financial Inc.1 (NYSE: JXN) (Jackson®) will announce financial results for the fourth quarter and full year ended December 31, 2024, after market close Wednesday, February 19, 2025. Jackson’s press release and supplemental financial materials will be available at investors.jackson.com. Jackson will host a conference call and webcast Thursday, February 20, 2025, at 9 a.m. […]

    Allianz Life Retirement Solutions Now Available Through Morgan Stanley

    {January 22nd, 2025} by Allianz Life

    MINNEAPOLIS–(BUSINESS WIRE)–As consumer demand for retirement solutions increases, Allianz Life Insurance Company of North America (Allianz Life) announced today that it has partnered with Morgan Stanley to offer its annuities to Morgan Stanley clients. Five annuity products are now available through more than 16,000 Morgan Stanley financial professionals. Clients who work with Morgan Stanley financial […]

    Brilliant!

    {January 22nd, 2025} by Sheryl J. Moore

    Brilliant marketing. This business can get complicated. So why wouldn’t someone educate in this manner? I love it. -sjm

    Prudential Joins Effort to Sell New Way to Tap Retirement Assets

    {January 22nd, 2025} by Allison Bell

    Prudential Financial is helping to get attention for a relatively new income-creation concept: bolting an annuity spigot onto a client’s existing investment portfolio. The Newark, New Jersey-based life and annuity giant is joining an “insurance overlay” alliance that also includes Dimensional Fund Advisors, an asset manager, and Fiduciary Exchange LLC, the parent of the FIDx […]

    Economy performing better than expected, Morningstar says

    {January 22nd, 2025} by Susan Rupe

    The U.S. equity market is “priced to perfection,” as a combination of an economy that held up better than expected, growth in the demand for artificial intelligence software and easing monetary policy led to stronger than expected equity market returns. That was the word from Dave Sekera, Morningstar chief U.S. market strategies, during a recent […]

    Happy Birthday, AJ

    {January 21st, 2025} by Sheryl J. Moore

    This week my oldest child, AJ Betts, would have been turning 28. I miss him terribly. Every. Day. His being bullied and ensuing suicide have forever impacted my family. So far, I am okay. His birthday is one of the few that always gives me anxiety. We celebrate the big day with cheeseburgers and a […]

    Ibexis Life & Annuity Insurance Company® Launches WealthDefender™ Fixed Index Annuity Series

    {January 14th, 2025} by Ibexis Life & Annuity Insurance Company

    WEST PALM BEACH, Fla.–(BUSINESS WIRE)–Ibexis Life & Annuity Insurance Company (“Ibexis”) today announced the launch of its WealthDefender™ Series in the independent marketing organization (“IMO”) sales channel. The WealthDefender™ Series offers guaranteed participation rates or an enhanced Bonus option, as well as core features including a bailout rate and full liquidity for disability, nursing home […]

    MIB Announces New Data and Analytics Service Providing Unique Insights into Life Insurance Application Activity

    {January 14th, 2025} by MIB

    BRAINTREE, Mass., Jan. 14, 2025 /PRNewswire/ — MIB, the life insurance industry’s most trusted and secure partner for data-driven insights and digital services announced the launch of MIB AptivitySM, a new data and analytics service that maximizes visibility into near real-time market share and market trends. For decades, MIB has been a trusted source of trends in individually […]

    Allianz Life moves to strengthen annuity operations with own reinsurer

    {January 14th, 2025} by John Hilton

    Wink, Inc. reported third-quarter annuity sales of $115.2 billion, up 6.6% compared to the previous quarter. Allianz Life ranking as the No. 1 seller of indexed annuities, with a market share of 13%, Wink reported. Indexed annuity sales for the third quarter were $36.8 billion, up 57.8% compared to the same period last year. Now that it […]

    Delaware Life Announces Suite of Innovative Fixed Index Annuities

    {January 14th, 2025} by Delaware Life Insurance Company

    ZIONSVILLE, Ind.–(BUSINESS WIRE)–Delaware Life Insurance Company, a Group 1001 company, announces three new innovative fixed index annuities (FIAs) – Momentum Growth™, Momentum Growth Plus™, and DualTrack Income™. These FIAs offer investors all the features and benefits of a traditional FIA with the flexibility to control and customize their risk while helping capitalize on positive equity […]

    Global Atlantic Announces New Registered Index-Linked Annuity

    {January 14th, 2025} by Global Atlantic Financial Group

    NEW YORK–(BUSINESS WIRE)–Global Atlantic Financial Group (Global Atlantic), a leading insurance provider meeting the retirement and life insurance needs of individuals and institutions, today announced the launch of ForeStructured Growth II, an innovative registered index-linked annuity (“RILA”) designed to help balance growth potential with an element of downside protection. This next-generation RILA solution offers more than […]

    Ares Management Raises Over $2.3 Billion of Equity Commitments to Support the Long-Term Growth of Aspida

    {January 14th, 2025} by Ares Management Corporation

    NEW YORK–(BUSINESS WIRE)–Ares Management Corporation (“Ares”) (NYSE: ARES), a leading global alternative investment manager, announced today that it has raised over $2.3 billion of equity commitments from third parties, Ares and affiliates of Ares to support the long-term growth of Aspida Holdings Ltd. (“Aspida”). Aspida is a life insurance and annuity company based in Durham, […]

    Life Application Activity Suffers From the Winter Blahs

    {January 14th, 2025} by Allison Bell

    Consumers may have reacted to the results of the November general elections and year-end blahs by putting off life insurance purchases. MIB Group says its U.S. life insurance application activity index was 7.3% lower in December than in December 2023. Activity was down at least 4% for every age group MIB tracks. Read the full story […]

    Integrity Leadership Recognized Among Nation’s Best Corporate Leaders as Ranked by Employees

    {January 14th, 2025} by Integrity Marketing Group, LLC

        Employees describe Integrity’s executive team as exceptional leaders, providing empathetic guidance and industry vision in leading company toward excellence and innovation.   DALLAS – JANUARY 8, 2025 – 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 […]

    Industry Pushes Back on Nasaa’s Proposed Curb on ‘Advisor’ Title

    {January 14th, 2025} by Alex Padalka

    The North American Securities Administrators Association‘s proposal to restrict the use of the “advisor” title is facing pushback from the financial services industry while consumer and investor advocacy groups throw their support behind the measure. In November, Nasaa published a request for comment regarding re-proposed changes to its model rule on Dishonest or Unethical Business Practices Of […]

    NAFA Welcomes 2025 Board of Directors

    {January 14th, 2025} by NAFA

    Washington, DC, January 13, 2025 –(PR.com)– The general membership of NAFA, the National Association for Fixed Annuities, approved the slate of candidates presented for its 2025 board of directors at the association’s annual meeting held recently in Dallas, Texas. Nominations were received from the membership at large, and candidates were vetted by the current board before […]

    Board Leaders Ready to Work with Staff and Membership to Craft and Enact a Bold Vision for NAFA 2030

    {January 14th, 2025} by NAFA

    WASHINGTON (Jan. 13, 2025) — The general membership of NAFA, the National Association for Fixed Annuities, approved the slate of candidates presented for its 2025 board of directors at the association’s annual meeting held recently in Dallas, Texas. Nominations were received from the membership at large, and candidates were vetted by the current board before being […]

    Education Is the Best Life Marketing Strategy: Firm Founder

    {January 14th, 2025} by Allison Bell

    Ads and social media posts may generate leads, but the heart of life insurance sales and marketing is still one-on-one client education. Arik “Eric” Bouskila, the founder of ARI Financial Group, made a plea for financial professionals to put spreading knowledge first in a recent interview. “Understanding specific client needs and forming targeted relationships remains […]

    Lincoln Financial Claims Title of Top Annuity Illustration for Sixth Consecutive Year

    {January 14th, 2025} by DALBAR

    MARLBOROUGH, Mass., Jan. 13, 2025 /PRNewswire/ — Lincoln Financial takes the number one spot for annuity illustrations for the sixth year, earning DALBAR’s Pyramid of Communications Excellence, by providing financial advisors with a dynamic tool that demystifies the important factors when considering an annuity. This latest achievement stems from its innovative approach to annuity illustration design, which […]

    Northwestern Mutual Quadruples its Showing on Forbes Annual List of America’s Top Advisory Teams

    {January 14th, 2025} by Northwestern Mutual

    MILWAUKEE, Jan. 9, 2025 /PRNewswire/ — Northwestern Mutual announced today that 174 of the company’s firms have been named to Forbes’ Best-in-State lists of Top Wealth Management Teams for 2025. This prominent national ranking signifies the teams’ industry leadership, elite capabilities, and commitment to clients. “Millions of Americans are on a path to greater financial security thanks to the […]

    Transamerica Launches Vibrant New Look for its Brand, Reinforcing a Pledge to Help Middle Income Americans

    {January 14th, 2025} by Transamerica

    Strategic refresh embodies company’s mission to increase access to financial protection products, tools and education BALTIMORE, Jan. 14, 2025 /PRNewswire/ — Today, Transamerica introduced a rejuvenated brand identity ushering the 120-year-old company into its next era. The new logo and accompanying visual identity — with its vibrant energy and approachability — represents different life stages, and how […]

    Lincoln Financial to Report 2024 Fourth Quarter and Full Year Results on February 6

    {January 14th, 2025} by Lincoln Financial

    RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial (NYSE:LNC) announced today that it will report its results for the fourth quarter and full year ended December 31, 2024 at 6:00 a.m. Eastern Time on Thursday, February 6, 2025. A conference call is scheduled for 8:00 a.m. Eastern Time on the same day. Earnings materials, including the 2024 fourth quarter […]

    Brighthouse Financial Announces Conference Call to Discuss Fourth Quarter and Full Year 2024 Results

    {January 14th, 2025} by Brighthouse Financial, Inc

    CHARLOTTE, N.C.–(BUSINESS WIRE)–Brighthouse Financial, Inc. (Brighthouse Financial) (Nasdaq: BHF) announced today that it plans to hold a conference call and audio webcast to discuss its financial results for the fourth quarter and full year ended December 31, 2024, at 8:00 a.m. Eastern Time on Wednesday, February 12, 2025. The call will follow the issuance of […]

    Majority of Americans Anticipate Improved Economy in 2025

    {January 14th, 2025} by Allianz Life

    MINNEAPOLIS–(BUSINESS WIRE)–Americans are more optimistic about the economy than they have been in years even as the effects of inflation linger, according to the 2024 Q4 Quarterly Market Perceptions Study* from Allianz Life Insurance Company of North America (Allianz Life). The majority of Americans (59%) think the economy will improve in 2025. This is higher […]

    New York Life Enters 2025 with Industry-Leading Financial Strength Ratings Affirmed by All Major Ratings Agencies

    {January 14th, 2025} by New York Life

    NEW YORK–(BUSINESS WIRE)–New York Life, America’s largest mutual life insurer,1 enters 2025 with the highest possible financial strength ratings currently awarded to any life insurer operating in the United States by all four of the major rating agencies. During the most recent review cycle, Standard & Poor’s, Fitch Ratings, A.M. Best, and Moody’s Investors Service have […]

    Lincoln Financial Releases Its Q1 Market Intel Exchange, Highlighting Top Investment Trends on the Minds of Investors

    {January 14th, 2025} by Lincoln Financial

    RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial (NYSE: LNC) released its first quarter edition of Market Intel Exchange, curated from the company’s in-house investment expertise and in partnership with industry-leading asset managers. The report provides insight into key economic and market trends likely to be top of mind for investors in 2025. Key insights include: The Fed is supportive, […]

    AM Best Revises Issuer Credit Rating Outlook to Negative for Brighthouse Financial, Inc. and Its Subsidiaries

    {January 14th, 2025} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has revised the outlooks to negative from stable for the Long-Term Issuer Credit Ratings (Long-Term ICR) and affirmed the Financial Strength Rating (FSR) of A (Excellent) and the Long-Term ICRs of “a+” (Excellent) of Brighthouse Life Insurance Company (headquartered in Charlotte, NC), New England Life Insurance Company (Boston, MA) and Brighthouse Life […]

    Prudential, Dimensional Fund Advisors and FIDx Collaborate to Help Reinvent Retirement Income in Wealth Management

    {January 14th, 2025} by Prudential Financial, Inc.

    NEWARK, N.J.–(BUSINESS WIRE)–Prudential Financial, Inc. (NYSE: PRU) today announced plans to collaborate with Dimensional Fund Advisors and Fiduciary Exchange LLC (FIDx) to bring protected lifetime income strategies to managed accounts via the FIDx Insurance Overlay marketplace. This initiative is designed to further meet the evolving needs of retirement investors who partner with registered investment advisors […]

    Annuity Issuer Adds $3B in Capital

    {January 14th, 2025} by Allison Bell

    Aspida, an annuity issuer controlled by Ares Management Corp., has raised $3 billion that it can use to write more fixed annuities. Ares, a New York-based asset manager with $464 billion in assets under management, said it has raised $2.3 billion in capital for Aspida by arranging to sell stock to outside investors. Aspida has […]

    What’s next for the annuities space in 2025?

    {January 14th, 2025} by Leo

    After experiencing robust growth in recent years, the US annuity market is set to face mixed prospects in 2025, according to a new report from Limra. Read the full story via InvestmentNews   Wink’s Moore on the Market: For the record: disagree. Annuity sales will be up. -sjm

    Americans Head Into 2025 With Financial Confidence: Survey

    {January 14th, 2025} by Michael S. Fischer

    Some two-thirds of Americans in a recent survey said they remain confident that they will meet their financial goals despite continuing financial pressures as they head into the new year, New York Life reported Tuesday. This was the same level of confidence respondents expressed in a late 2023 survey. The online poll was conducted Nov. 23 and […]

    Private equity firms put profits over patients, Senate panel says

    {January 14th, 2025} by Susan Rupe

    Private equity is putting profits over patients, a Senate Budget Committee report said as the panel looked into two private equity firms’ efforts to squeeze more money out of hospitals in underserved areas. The Senate’s latest investigation unearthed thousands of documents detailing the financial maneuvers of two private equity firms: Leonard Green & Partners and […]

    12 Best States to Raise a Family: 2025

    {January 14th, 2025} by Michael S. Fischer

    Certain states make it easier than others to raise a family, notes a report released Monday by personal finance website WalletHub. “Raising a family has become significantly more expensive in recent years as the cost of living has risen quickly,” WalletHub analyst Chip Lupo said in a statement, “In fact, it can cost a family […]

    I’m 101. Here are five things I learnt from my 30-year retirement

    {January 14th, 2025} by Lucy Andrews , Money reporter

    For Marion Bloom the secret to a long retirement isn’t kale juice or playing pickleball, it’s hard work. Now aged 101, Marion can still recall her first job at the newspaper France, which was published in London and written for French expats. She joined its advertising department in 1942, midway through the Second World War, […]

    South Carolina hearing on Atlantic Coast Life policy ban postponed

    {January 14th, 2025} by John Hilton

    A hearing to decide whether Atlantic Coast Life Insurance will continue offering new policies was postponed until Wednesday, a South Carolina official said. The hearing was to take place Friday. Atlantic Coast is owned by Advantage Capital Partners, known as A-Cap. Claiming the insurer’s underlying financial condition is poor, South Carolina regulators banned Atlantic Coast from […]

    Salt Financial Annuity Index analytics report for 2024

    {January 14th, 2025} by Staff Reports

    Below is the December version of the Salt Financial Annuity Index Report, which also serves as the full-year report for 2024. One index was added over the last month, the First Trust Growth Strength™ Net Fee Index, featured in a RILA at Pacific Life. Read the full story via INN   Wink’s Moore on the Market: So, […]

    Life insurance and annuity sales: What’s ahead for 2025?

    {January 14th, 2025} by Susan Rupe

    Variable universal life and registered index linked annuities are expected to see the highest percentage of growth across life and annuity products in 2025, two LIMRA executives said during a recent webcast. Bryan Hodgens, head of LIMRA research, and John Carroll, LIMRA senior vice president and head of life and annuities, provided a glimpse at […]

    RILAs Will Still Be King of the Annuity Hill, LIMRA Predicts

    {January 14th, 2025} by Allison Bell

    U.S. sales of registered index-linked annuities could continue to rise this year, even as sales of most other types of individual annuities fall. Analysts at LIMRA made that prediction in a new annuity market trends analysis. Overall annuity sales performance could return to 2023 levels this year, simply because 2024 sales were so strong, the analysts […]

    Ethos and Protective Collaborate to Offer Term Life Insurance

    {January 14th, 2025} by Ethos

    AUSTIN, Texas & BIRMINGHAM, Ala.–(BUSINESS WIRE)–Ethos announces that Protective Life Corporation, and its primary subsidiary Protective Life Insurance Company (together, “Protective”), is now offering proprietary Term Life Insurance directly to consumers through Ethos’ platform. Protective will be a new provider for the Ethos term product suite, providing customers with term periods from 10-40 years and […]

    Make me want to bang my head against a wall.

    {January 9th, 2025} by Sheryl J. Moore

    Oh my, Suze Orman…’Should I Cash Out My Annuity?’ Suze Orman Reveals Why This Listener’s Investment Isn’t As Good As It Seems People who look at annuities as investments, and not insurance, make me want to bang my head against a wall. In this situation, why didn’t Suze ask if the annuity purchaser needed to […]

    National Life: plaintiff promotes ‘odd theory’ in IUL lawsuit over 0% return

    {January 9th, 2025} by John Hilton

    Claiming that a plaintiff’s lawsuit over a disappointing indexed universal life (IUL) return rests on “an odd theory,” NLV Financial Corp. is asking a Vermont court to dismiss the complaint. Sanya Virani, of Fortville, Ind., sued NLV Financial Corp. and two life insurance subsidiaries over a 2023 indexed universal life policy that returned 0% after one year. […]

    Lincoln Financial Hit With Investor Lawsuits in State Court

    {January 9th, 2025} by Allison Bell

    Two investors have sued Lincoln Financial in a state court in Pennsylvania over the company’s announcement in November 2022 that it would have to add $2.2 billion to life insurance reserves. The Radnor, Pennsylvania-based company also announced a $634 million reduction in life insurance unit goodwill. The resulting $2.6 billion net loss for the third quarter of […]

    A-Cap suspends Sentinel Security Life business; gets reprieve for Atlantic Coast Life

    {January 7th, 2025} by John Hilton

    Update: A-Cap provided a second statement addressing Utah’s financial audit of its assets. See below. Sentinel Security Life Insurance Co. has suspended writing new business until a judge hears its appeal of a Utah order in March. Sentinel Security is in such poor shape financially, Utah regulators say, that it is using new premium to […]

    AmeriLife To Acquire Crump Life Insurance Services

    {January 7th, 2025} by AmeriLife Group, LLC

    CHARLOTTE and CLEARWATER, Fla. | January 06, 2025 10:00 AM Eastern Standard Time  AmeriLife Group, LLC (“AmeriLife”), a national organization that develops, markets, and distributes life and health insurance, annuities, and retirement planning solutions, announced today that it has entered into an agreement to acquire Crump Life Insurance Services and Hanleigh Management (collectively “Crump”) from TIH Insurance Holdings, LLC (“TIH”). Per […]

    4 Bills That Could Boost Annuities in 2025

    {January 7th, 2025} by Melanie Waddell

    Annuity bills in play during the 2023-2024 session of Congress may continue to gain traction in 2025. “Many barriers inhibiting the use of protected, guaranteed lifetime income solutions to turn a saver’s accumulated retirement savings into a stream of lifetime income remain present in federal law and regulations,” according to Paul Richman, chief government and […]

    Insurance Pros Rethink the Tattoo Taboo

    {January 7th, 2025} by Cyril Tuohy

    The mainstreaming of body art – especially among younger workers – is forcing carriers to reevaluate policies. Sheryl Moore, CEO of Wink, which tracks the life and annuity industry, said in a social media post that her body is covered in tattoos, but nonetheless urged a degree of discretion. “Put that sucker where you can hide […]

    Researcher Casts Doubt on World Financial Group Business Model

    {January 7th, 2025} by Cyril Tuohy

    Indexed universal life sales at Transamerica are booming and Transamerica Life‘s Financial Foundation IUL contract has delivered a record run of three-and-a-half years as the top-selling IUL product across all sales channels, according to Wink, a firm that tracks the life and annuity market. Read the full story via Life Annuity Specialist

    New York Life Wealth Watch 2025 Outlook: Americans’ financial confidence holds despite continued debt and inflation challenges

    {January 7th, 2025} by New York Life

    NEW YORK–(BUSINESS WIRE)–New York Life’s 2025 New Year Outlook Wealth Watch survey finds that financial confidence persists for American consumers, despite ongoing financial pressures. At the close of 2024, 64% of adults remain confident in their ability to meet their financial goals, reflecting the same level of confidence as late 2023. Americans were more aggressive […]

    Milliman’s 2024 Fixed Indexed Annuity Industry Experience Studies show sharp increases in surrender rates compared to pre-2022 averages

    {January 7th, 2025} by Milliman, Inc.

    SEATTLE–(BUSINESS WIRE)–Milliman, Inc., a premier global consulting and actuarial firm, today announced the results of its two 2024 Fixed Indexed Annuity Industry Experience Studies. These comprehensive studies analyze policyholder behavior, including factors such as the contract holder’s age at issue, length and magnitude of the contract, methods of distribution, and tax implications. The two studies […]

    Brokers question NASAA proposal to limit use of ‘advisor’ title

    {January 7th, 2025} by Dan Shaw

    The financial services industry has long recognized a distinction between advisors who collect fees for managing assets and brokers who charge commissions for carrying out securities transactions. Still, firms and trade groups alike are speaking out against a proposed rule that would allow states to prohibit brokers from calling themselves “advisors” or “advisers” when working with retail […]

    MetLife and General Atlantic create ‘Chariot Re’ sidecar

    {January 7th, 2025} by Editorial Staff

    MetLife, Inc., is partnering with the investment firm General Atlantic to launch Bermuda-based Chariot Reinsurance, Ltd., a registered Class E Bermuda-based life and annuity reinsurance company. Read the full story via RIJ

    Nut Case: Prudential and Brighthouse’s Bets on Pistachios

    {January 7th, 2025} by Kerry Pechter

    The endless rows of pistachio trees in California’s flat, arid Central Valley yield millions of bags of pricey green snack-nuts every year. A decade of celebrity-driven advertising has propelled pistachios into a global sales sensation—enough to attract major loans from institutional investors. Read the full story via RIJ

    Delay Social Security, Invest More or Buy an Annuity: What’s Best for Retirement Income?

    {January 7th, 2025} by John Manganaro

    Clients who want to claim Social Security early and reinvest the proceeds need a strong stomach for taking portfolio risk in order to come out ahead, according to a recent report published by PGIM’s David Blanchett. Beating the delayed claiming strategy requires an 8% annual return for an individual retiree, according to Blanchett, and achieving comparable returns […]

    The MYGA as a Bond Alternative

    {January 7th, 2025} by Allison Bell

    Registered index-linked annuities have been getting a lot of attention lately, but they accounted for just 14% of U.S. individual annuity sales in the third quarter of 2024, according to Wink. Sales of multi-year guaranteed annuities — contracts from issuers that promise to pay a set interest rate for at least a specified number of years, […]

    What Clients Really Ask Accountants About Annuities

    {January 7th, 2025} by Allison Bell

    Accountants can be a good source of referral business for agents and advisors who help clients with life insurance, annuities and other products. Paul Miller, a certified public accountant, is the managing partner at Miller & Co., a Whitestone, New York-based accounting firm that serves about 3,000 clients. Many of the clients are executives, international business […]

    Prudential Welcomes Babies Born Jan. 1 With $150 Checks

    {January 7th, 2025} by Allison Bell

    The babies born Wednesday are the first members of Generation Beta — and Prudential Financial wants their parents to think about their retirement savings. Members of Generation Beta will begin to turn 70 on New Year’s Day in 2095. Prudential is trying to get the attention of the Generation Beta newborns’ parents by offering to […]

    Ex-employees sue Verizon over pension transfer deal with Prudential, RGA

    {January 7th, 2025} by John Hilton

    A group of ex-Verizon employees filed the latest lawsuit challenging the efficacy of insurance companies managing pension funds. Filed Monday in the Southern District of New York, the Verizon pensioners claim the pension risk transfer (PRT) deal agreed to in March threatens their retirement funds. Verizon inked the $5.9 billion PRT deal for Prudential Financial and Reinsurance […]

    currency