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  • Wink office will be closed on Monday, October 10

    {October 4th, 2022} by Wink's Intel Pros

    The Wink office will be closed on Monday, October 10th in observance of the holiday. 

    Great American Life Unveils new Brand as MassMutual Ascend

    {October 4th, 2022} by Great American Life Insurance Company

    CINCINNATI–(BUSINESS WIRE)–Great American Life Insurance Company announced today that it will now do business as MassMutual Ascend Life Insurance Company (MassMutual Ascend). The rebrand comes as a result of the company’s acquisition by Massachusetts Mutual Life Insurance Company (MassMutual) in May 2021. The name MassMutual Ascend came about after conducting thorough market research, competitor reviews […]

    Sagicor’s IUL portfolio offers new interest crediting strategies linked to iShares® ETFs

    {October 4th, 2022} by Sagicor Life Insurance Company

    SCOTTSDALE, Ariz., Sept. 29, 2022 /PRNewswire/ – Sagicor® Life Insurance Company (Sagicor) announces new interest crediting strategy options to their indexed universal life (IUL) insurance portfolio effective October 1, 2022. These options will be linked to the performance of iShares ETFs managed by BlackRock®, a global asset manager and technology provider focused on helping millions of people invest to […]

    A.M. Best, S&P Global Ratings Each Affirm Strong Performance by OneAmerica

    {October 4th, 2022} by OneAmerica

    INDIANAPOLIS, Sept. 28, 2022 /PRNewswire/ — OneAmerica® today announced that A.M. Best and S&P Global Ratings have each separately recognized American United Life Insurance Company® (AUL) and its affiliate The State Life Insurance Company® (State Life), both OneAmerica companies, for their financial strength. A.M. Best affirmed an A+ (Superior) rating, which is the second-highest of 15 rating categories assigned by […]

    UL can be a valuable tool

    {October 4th, 2022} by Sheryl J. Moore

    Did you know that all types of universal life are similar to term life insurance, with a savings component, all in a single permanent product? -sjm

    16 Ways To Keep A Seasonal Business Financially Healthy Year-Round

    {October 4th, 2022} by Forbes Finance Council

    5. Leverage A Line Of Credit Seasonal businesses can use a line of credit during leaner times, if necessary. This allows you to continue paying expenses while revenue is not as plentiful. Then, when revenue is back up, pay down the line of credit. The line of credit works as a great tool when smoothing […]

    Enhancing The Digital Life Insurance Sales Experience Technology Is Revealed

    {October 4th, 2022} by Ken Leibow

    The digital life insurance sales experience is continuously improving in both agent facing or consumer facing software applications. So what are some of the technologies responsible for these enhancements and why should you know? Look, I don’t want to scare you from reading the rest of this article with technical terms like Electronic Health Records, […]

    When Life Is Not A Hoot

    {October 4th, 2022} by David J. Murphy

    “Every morning in Africa, an antelope wakes up. It knows it must outrun the fastest lion, or it will be killed. Every morning in Africa, a lion wakes up. It knows it must run faster than the fastest antelope, or it will starve. It doesn’t matter whether you’re a lion or an antelope—when the sun […]

    Multiple Product Lines: The Convenience Of Walmart But The Expertise Of The Mayo Clinic

    {October 4th, 2022} by Charlie Gipple

    On a monthly basis I get automatic reports that are generated from my CRM system. These reports are sorted out by the agents that work with my IMO and show what policies are coming to the end of the term within the next 60-days. For instance, a two year multi-year guaranteed annuity that was written […]

    Is Your IMO Working For Your Success?

    {October 4th, 2022} by Michael Clementi

    GA, BGA, IMO…the list of acronyms can vary depending on who you’re talking to. Opinions on which brokerage general agency or independent marketing organization to work with can vary even more. The decision can be almost as important as deciding who you’re going to marry! In my four years as a field support representative for […]

    Volatility-proofing your client’s retirement nest egg

    {October 4th, 2022} by Tom Henske

    Investors have experienced higher than normal volatility with their investment portfolios recently. As such, the topic of “sequence of returns” has started once again to come to the forefront of discussions between clients and their investment advisors. It is no surprise that a significant risk to retirement portfolios occurs when distributions that are taken from those portfolios […]

    6 Trends That Upend Past Thinking About Retirement Planning

    {October 4th, 2022} by John Manganaro

      As noted by Pacific Life’s Reed Lloyd in a recent conversation with ThinkAdvisor, it is a basic fact of life in the U.S. today that traditional defined benefit pension plans are in decline. Data from the Social Security Administration — and many other sources — backs up the statement. The SSA’s data, for example, […]

    Accelerated Underwriting and COVID-19: Life Insurance Lessons Learned

    {October 4th, 2022} by Catie Muccigrosso

    The COVID-19 pandemic introduced new challenges and opportunities for life insurers. Deaths from SARS-CoV-2 not only pressured benefit costs, but also increased consumer demand for life insurance products. Meanwhile, conducting medical exams and blood tests — the mainstays for procuring underwriting information — became nearly impossible due to public policy decisions made in an effort […]

    New DOL Fiduciary Rule Faces Another Delay

    {October 4th, 2022} by Melanie Waddell

    The Department of Labor’s new fiduciary rule is facing another delay, and likely won’t be sent to the Office of Management and Budget for review until the first quarter, according to retirement industry experts. The reveal of Labor’s new rule to define who’s a fiduciary “will probably slip to the first quarter next year,” Phyllis […]

    Regulators, industry execs disagree on indexed-linked regulation details

    {October 4th, 2022} by John Hilton

    Inclusion of a “market value adjustment” remains a sticking point as state insurance regulators close in on a new actuarial guideline to fit trendy indexed-linked annuities into variable annuity nonforfeiture rules. The Index-Linked Variable Annuity Subgroup was created last year by a National Association of Insurance Commissioners task force to focus solely on the index-linked […]

    iCover adds Jim Sorebo as Chief Distribution Officer

    {October 4th, 2022} by iCover

    CHESTERFIELD, MO, USA, October 3, 2022 — iCover, a Missouri-based Insurtech that provides an algorithmic underwriting and QUI based eApp Service for life insurance companies has announced the appointment of Jim Sorebo as its Chief Distribution Officer.   Jim Sorebo was Founder & President of Four Seasons Financial Group, an independent insurance and annuity wholesale […]

    Life and Annuity Talking Points for the Fall

    {October 4th, 2022} by Bryce Sanders

    Labor Day is behind us. It’s time to roll up your sleeves and get to work. I always felt that way when I was a financial advisor in production. When clients and prospects send their children off to school and see Costco putting Christmas trees in stores, they may feel the same way. As the […]

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

    {October 4th, 2022} by ReleaseWire: AMA Research

    New Jersey, USA — (SBWIRE) — 10/02/2022 — 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 experts and other key […]

    Who wants to be a millionaire? — with Tom Hegna

    {October 4th, 2022} by Paul Feldman

    Tom Hegna has spent his decadeslong career helping advisors and their clients create successful retirement plans, teaching them how to have income they’ll never outlive, how to reduce retirement risks, and successfully pass on wealth. His passion for these topics is obvious — and contagious. His books, videos and personal appearances have reached millions, and […]

    The Time to Buy Annuities for Retirement Is Now: Jim Wagner

    {October 4th, 2022} by Allison Bell

    Jim Wagner wants to stick to the annuity basics: helping more real people get more real retirement income protection. Wagner has been the chief distribution officer for the retirement division at Protective, a Birmingham, Alabama-based life insurance and annuity issuer, since 2020. After earning a bachelor’s degree from Ohio Wesleyan University, he started out in […]

    Whole Life Insurance Market May See a Big Move : Major Giants AIG, Aviva, Metlife: Whole Life Insurance Market 2022-2028

    {October 4th, 2022} by ReleaseWire: HTF MI

    New Jersey, NJ — (SBWIRE) — 09/30/2022 — Whole Life Insurance Market – Global Outlook and Forecast 2021-2027 is latest research study released by HTF MI evaluating the market risk side analysis, highlighting opportunities and leveraged with strategic and tactical decision-making support. The report provides information on market trends and development, growth drivers, technologies, and the changing […]

    Unbundled, untied & un-mutualized: The road to fiduciary

    {October 4th, 2022} by Richard Weber

    One of the biggest trends in the sale of life insurance is the increasing demand for standards of care. Should all life insurance advisors be held to a fiduciary standard? Or is a suitability standard still acceptable? And how did we get to this point? Let’s take a look at the chain of events that […]

    Life and Annuity Advisors Wake Up to Hurricane Ian Devastation

    {October 4th, 2022} by Allison Bell

    Life, health and annuity groups are starting to plan their response to the damage done by Hurricane Ian. The National Association of Insurance and Financial Advisors has started the recovery effort by encouraging members to donate to its NAIFA Family Response Fund, and by encouraging NAIFA members affected by Ian, as well as Hurricane Fiona, […]

    Just Save Something

    {October 4th, 2022} by Richard Baker

    “Dad, will you help me change out my headlights?” My son is just days away from his birthday and getting his driver’s license. He bought a truck in May with his own money and can hardly wait for the freedom and fun that comes with a driver’s license. My wife and I could have bought […]

    SLUSA Dismissal Affirmed in Variable Annuity Class Action: Eleventh Circuit Looks Behind Artful Pleading

    {October 4th, 2022} by John Clabby

    The Eleventh Circuit Court of Appeals recently affirmed the dismissal of a putative class action against a brokerage firm and its parent company, holding that the Securities Litigation Uniform Standards Act (SLUSA) barred the action. In Cochran v. Penn Mutual Life Insurance Co., the Eleventh Circuit also formally accepted case law from sister circuits that it […]

    Barron’s List of Top RIA Firms Brings Plenty of Movement but No Surprises

    {October 4th, 2022} by Abriana Gonzalez

    Barron’s has released its seventh annual ranking of the top registered investment advisor firms. Folks familiar with the rankings won’t be surprised by the leader: Edelman Financial Engines, which has now occupied the top spot on the Barron’s list five years running. Without revealing the precise mixture of its secret sauce, Barron’s notes that the rankings […]

    What You Think and What Retirement Clients Want Are Different

    {October 4th, 2022} by Richard J. Leider and Suzanne Norman

    As people grow older, they naturally contemplate what matters most to them. In particular, they aim to live a life that is meaningful and makes a positive contribution to the world. Wealthy or not, this universal ambition is grounded in the truth that our lives are fundamentally worth living and that each of us matters. […]

    In The Game Of Life (Insurance) One Size Does Not Fit All

    {October 4th, 2022} by Farron Blanc

    The United States life insurance market is unique. While other countries have three to five national champions that own 70% of the market share, the U.S. has hundreds of life insurance carriers sharing the risk. This makes the consumer advice that insurance producers provide especially important, given the current inflationary environment. Click HERE to read […]

    Senior Market Sales Acquires The Buckley Insurance Group as Part of Strategic Growth Plan

    {October 4th, 2022} by Senior Market Sales

    OMAHA, Neb., Oct. 3, 2022 /PRNewswire/ — Senior Market Sales® (SMS), one of the industry’s premier insurance marketing organizations, has acquired The Buckley Insurance Group, LLC, a successful family-owned senior health and wealth planning agency licensed in 37 states and serving a strong client base in the tristate area of New York, New Jersey and Connecticut. “Since SMS started working with The Buckley […]

    The Pacific Financial Group Partners with CapIntel to Empower the Advisor-Client Relationship

    {October 4th, 2022} by The Pacific Financial Group

    BELLEVUE, Wash., Sept. 28, 2022 /PRNewswire/ — The Pacific Financial Group (TPFG), a wealth management innovator and leader in Self-Directed Brokerage Account Management (SDBA) announced a partnership with CapIntel, a leading Toronto-based financial technology company that improves fund analysis, proposal generation, and day-to-day workflow efficiency for financial advisors. CapIntel is a modern, intuitive platform that delivers instant, powerful analytics and easy-to-understand, […]

    In the Face of a Potential Recession, Americans Feel Unprepared for Retirement and Are Looking for Protectionc

    {October 4th, 2022} by Alliance for Lifetime Income

    WASHINGTON, Sept. 28, 2022 /PRNewswire/ — As the drumbeat of a potential recession grows louder and Americans continue to face the aftereffects of the pandemic, the number of Americans who believe their retirement savings and sources of income will not last them throughout their lifetime is on the rise. According to the third Protected Retirement Income and Planning Study from the […]

    Ethos Launches Life Insurance Offering through AIP Marketing Alliance

    {October 4th, 2022} by Ethos

    AUSTIN, Texas, Oct. 3, 2022 /PRNewswire/ — Ethos, one of the largest term life insurance providers in the United States, today announced it has partnered with AIP Marketing Alliance, an Integrity Company (AIPMA), the premier life insurance and annuity distribution partner, to provide its best-in-class life insurance options through AIPMA’s partners and agents. AIPMA agencies, agents and future clients will […]

    Foresters Financial Members Walk to the Moon and Back – Twice – with Foresters G

    {October 4th, 2022} by The Independent Order of Foresters

    TORONTO, Sept. 29, 2022 /PRNewswire/ – Foresters Financial™ (Foresters), the fraternal life insurer that’s boldly redefining the life insurance industry through innovation, purpose and wellness, is celebrating the 1-year anniversary of the launch of Foresters Go, an innovative wellness platform that integrates wearable app-enabled technology and behavior sciences to inspire and reward healthy lifestyles. [1] Over the past […]

    DALBAR’s Universal Life Study Recognizes Top Online Experiences

    {October 4th, 2022} by DALBAR, Inc

    These Providers Make it Easy to Begin Doing Business with Them MARLBOROUGH, Mass., Sept. 29, 2022 /PRNewswire/ — DALBAR‘s 2022 review of Universal Life consumer web experiences identifies Nationwide, USAA, Thrivent, Lincoln Financial and Prudential as leaders in addressing clients’ and prospects’ self-service needs. Demystifying the complexities of life insurance for those seeking protection solutions is essential to […]

    RBC Wealth Management Teams with Transamerica and FuturePlan by Ascensus to Expand Retirement Plan Access with Innovative New Pooled Plan Solution

    {October 4th, 2022} by RBC Wealth Management

    MINNEAPOLIS, Sept. 29, 2022 /PRNewswire/ – RBC Wealth Management is teaming up with Transamerica and FuturePlan by Ascensus to introduce an innovative new pooled plan retirement solution for U.S. business owners called RBC Group Retirement Plan (GRP). According to a 2021 report from the U.S. Bureau of Labor Statistics, just 53% of private industry employers with less than […]

    Survey: Companies Struggle to Hire and Promote Amid Uptick in Delayed Retirements

    {October 4th, 2022} by Nationwide

    COLUMBUS, Ohio, Sept. 29, 2022 /PRNewswire/ — Today, four in 10 older American workers are delaying their retirement due to the rise in living costs – double those who said they delayed their retirement a year ago because of the COVID-19 pandemic. The survey, released today by the Nationwide Retirement Institute, finds wide-ranging workforce consequences because of delayed retirement. […]


    {October 4th, 2022} by Nationwide

    WASHINGTON, Sept. 28, 2022 /PRNewswire/ — Every year, Hispanic-owned businesses contribute over $800 billion dollars to the U.S. economy, and Hispanic entrepreneurs are starting businesses at a rate roughly three times the general population. However, millions of Hispanic small businesses (HSBs) disproportionately impacted by COVID-19 are still working to financially recover. According to a new survey released today from the United States […]

    From Patients to Policyowners, Black Entrepreneurs Backed by Northwestern Mutual Drive Innovation and Improved Outcomes Across Industries

    {October 4th, 2022} by Northwestern Mutual

    Company’s Black Founder Accelerator Program expands to 20 businesses nationwide with the addition of five promising tech startups MILWAUKEE, Sept. 27, 2022 /PRNewswire/ — Northwestern Mutual, in partnership with gener8tor, today announced the addition of five dynamic tech startups to its Black Founder Accelerator, an initiative launched to provide targeted resources and financing to promising Black entrepreneurs. […]

    Brighthouse Financial Announces Conference Call to Discuss Third Quarter 2022 Results

    {October 4th, 2022} 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 third quarter ended September 30, 2022, at 8:00 a.m. Eastern Time on Tuesday, November 8, 2022. The call will follow the issuance of the Brighthouse Financial […]

    Principal Charity Classic sets charitable giving record in 2022

    {October 4th, 2022} by The Principal Charity Classic

    DES MOINES, Iowa–(BUSINESS WIRE)–The Principal Charity Classic today announced its 2022 tournament raised more than $8.2 million in support of Iowa children’s charities, surpassing the event’s previous record of $7.3 million set in 2021. The annual PGA TOUR Champions event in Des Moines has now raised more than $45.6 million for Iowa children’s charities since Principal Financial […]

    Monument Re Announces Merger of AME Life Lux S.A. Into Monument Assurance Luxembourg S.A.

    {October 4th, 2022} by Monument Re

    HAMILTON, Bermuda–(BUSINESS WIRE)–Monument Re announced today that AME Life Lux S.A. will merge into Monument Assurance Luxembourg S.A. following receipt of regulatory approval from the Commissariat aux Assurances. As a result, Monument Assurance Luxembourg S.A. will be the sole Monument Luxembourg entity following the merger. Monument Re Limited is a reinsurer and asset consolidator with a […]

    Prudential Powers Inclusion and Economic Growth in New York City and Across the Globe Through Support of Curtain Up Broadway Festival

    {October 4th, 2022} by Prudential Financial, Inc.

    NEWARK, N.J.–(BUSINESS WIRE)–For the second year in a row, Prudential Financial, Inc. (NYSE: PRU), in collaboration with Playbill, Times Square Alliance, and The Broadway League, is proud to be the title sponsor of the Curtain Up Broadway Festival. The free, three-day outdoor event will take place Sept. 30 – Oct. 2 in the heart of Times Square […]

    Best’s Review: Leading U.S. Life/Health Writers and More

    {October 4th, 2022} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–September’s Best’s Review looks at the U.S. life/health insurance industry in Total Life Issued Down in 2021; Ordinary Life Climbs in Mixed Year, which includes Best’s Rankings for: 2021 Ordinary Life Average Policy Size and Lapse Ratios — 2022 Edition Group Life Issued — 2022 Edition Group Life In Force — 2022 Edition Total Life Issued […]

    Securian Financial collaborates with “BenefitBump” to enhance education among expectant parents

    {October 4th, 2022} by Securian Financial

    ST. PAUL, Minn.–(BUSINESS WIRE)–To provide greater assistance to employees growing their families, Securian Financial—in a first among insurance carriers1—is adding “BenefitBump” as a value-added service.2 The BenefitBump service can be used with Securian Financial’s group hospital indemnity insurance issued by Securian Life Insurance Company. BenefitBump improves outcomes for both employers and employees by helping growing families navigate […]

    Seventy Percent of Americans Worried About Meeting the Costs of Rising Insurance Premiums

    {October 4th, 2022} by wefox

    BERLIN–(BUSINESS WIRE)–A recent survey reveals that consumers all over the world are worried about the rising cost of insurance premiums. Among the American consumers surveyed, 70% indicate that they are worried about paying for the rising costs of their insurance premiums and that nearly 40% of those that have cancelled policies did so because they […]

    Lincoln Financial Group and Modern Life partner to accelerate digital transformation in life insurance

    {October 4th, 2022} by Lincoln Financial Group

    RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial Group (NYSE: LNC) today announced a new partnership between Lincoln Financial Distributors (LFD), its wholesale distribution franchise, and Modern Life, a tech-enabled life insurance brokerage. The partnership will enable Lincoln’s life insurance product portfolio to be delivered on Modern Life’s digital platform, providing an improved digital end-to-end experience – an important pillar […]

    Best’s Special Report: Private Equity Continues to Make Inroads in the Insurance Industry

    {October 4th, 2022} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–An active year for mergers and acquisitions in 2021 and large block reinsurance transactions led to a 41% increase in admitted assets owned by private equity firms in 2021, according to a new AM Best special report. In its Best’s Special Report, “Private Equity Continues to Make Inroads in Insurance Industry,” AM Best states that as […]

    DPL Financial Partners secures additional growth capital as annuity sales on platform top $1 billion

    {October 4th, 2022} by DPL Financial Partners

        LOUISVILLE, Ky.–(BUSINESS WIRE)–DPL Financial Partners (“DPL”) announced today that its two outside investors, Eldridge and Atlas Merchant Capital, have invested an additional $20 million (combined) in the turnkey insurance management platform for registered investment advisors. The new equity commitment coincides with DPL surpassing $1 billion in commission-free annuity purchases by advisors on behalf […]

    Empower exceeds 90 percent retention of participants and assets from MassMutual acquisition

    {October 4th, 2022} by Empower

    GREENWOOD VILLAGE, Colo.–(BUSINESS WIRE)–As Empower approaches the completion of its integration of the acquired MassMutual retirement business, the company is announcing key client milestones tied to furthering the success of employers and retirement investors the company is now serving. Empower closed its acquisition of MassMutual’s retirement plan business in December 2020 with the intent of capitalizing on […]

    More BIPOC Americans Open to Getting Financial Planning Help in 2022

    {October 4th, 2022} by Allianz Life Insurance Company of North America

    MINNEAPOLIS–(BUSINESS WIRE)–Despite the significant financial challenges brought on by the pandemic over the past two years, Americans who identify as BIPOC (Black, Indigenous, and People of Color, including Hispanic and Asian/Asian Americans) report receiving less professional assistance than they did a year ago, according to the 2022 Retirement Risk Readiness Study* from Allianz Life Insurance […]

    Pacific Life Foundation Awards $75,000 in College Scholarships During Life Insurance Awareness Month

    {October 4th, 2022} by The Pacific Life Foundation

    NEWPORT BEACH, Calif.–(BUSINESS WIRE)–The Pacific Life Foundation has awarded five $15,000 college scholarships through Life Happens (www.LifeHappens.org) and its annual Life Lessons Scholarship Program to aid the financial burden of students who have lost a parent without life insurance. The scholarships are part of September’s Life Insurance Awareness Month, designed to help educate individuals on the […]

    AllianzIM Announces New Upside Caps for October Series of U.S. Large Cap Buffered Outcome ETFs

    {October 4th, 2022} by Allianz

    MINNEAPOLIS–(BUSINESS WIRE)–Allianz Investment Management LLC (AllianzIM), a wholly-owned subsidiary of Allianz Life Insurance Company of North America (Allianz Life®), announces new upside Caps for the October series of its U.S. Large Cap Buffered Outcome Exchange Traded Funds (ETFs) suite. The series includes two ETFs with a twelve-month Outcome Period: the AllianzIM U.S. Large Cap Buffer10 […]

    Consumer concern shifts from COVID-19 to the economy

    {October 4th, 2022} by Jennifer Douglas

    For nearly two years, consumer concerns about COVID-19 and the economy went hand in hand. However, the two concerns diverged more recently as fears about the virus waned this year and the flailing economy took center stage. LIMRA’s quarterly Consumer Sentiment in the Time of COVID-19 study found only 29% of Americans expressed a high […]

    Lincoln Financial Group’s Sharon Scanlon Receives 2022 Women Worth Watching Recognition from Profiles in Diversity Journal

    {October 4th, 2022} by Lincoln Financial Group

    RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial Group (NYSE: LNC) announced today that Sharon Scanlon, senior vice president, Customer Experience and Transformation, Producer Solutions and Retirement Plan Services Operations, has been recognized by Profiles in Diversity Journal on its 2022 Women Worth Watching list. The prestigious award recognizes dynamic women who have made significant contributions to their industry and exhibit excellence in […]

    Lincoln Financial Group Names Industry Veteran Jim O’Boyle Senior Vice President, Life & Annuity Operations

    {October 3rd, 2022} by Lincoln Financial Group

    RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial Group (NYSE: LNC) announced today that Jim O’Boyle will join as senior vice president and head of Life & Annuity Operations, effective Nov. 1. In this role, O’Boyle will focus on accelerating the company’s efforts to enhance customer experience and continue to improve internal operating efficiency. He will report to Matt […]

    Equitable Holdings Closes Reinsurance Transaction with Global Atlantic

    {October 3rd, 2022} by Equitable Holdings, Inc

    NEW YORK–(BUSINESS WIRE)–Equitable Holdings, Inc. (the “Company”) (NYSE: EQH) announced today that it has successfully closed the transaction between the Company’s principal operating subsidiary Equitable Financial Life Insurance Company and Global Atlantic Financial Group subsidiary, First Allmerica Financial Life Insurance Company. The transaction reinsures1 a 50% quota share of pre-2009 Group Retirement VA contracts supported by […]

    Wink’s demo on benchmarking rates

    {September 27th, 2022} by Wink's Intel Pros

    The Product Rates page in our analysis tools allows you to view, filter, sort, save searches, and export current rates for all currently marketed products!   How does it work,  you ask?   Click HERE to view the demo for AnnuitySpecs Product Rates   Click HERE to view the demo for LifeSpecs Product Rates       […]

    Getting to know our Chief Everything Officer

    {September 27th, 2022} by Wink's Intel Pros

    VICTORIA L. GROSSMAN, A.K.A. TORI, A.K.A. THE “DECISION DIVA.” Victoria is our Chief Everything Officer as Wink’s President and she was the first employee that Sheryl J. Moore hired to work with her at Wink. She became a member of the Moore family after Sheryl’s then four-year-old son hit on her at her teenage job. […]

    Valuable Products

    {September 26th, 2022} by Sheryl J. Moore

    Annuities + LTC and Life Insurance + LTC ______________________ Valuable Products Thanks to Kelly Augspurger, CLTC®, CSA®for facilitating this conversation!    

    Do and Do Not: Deferred Annuities

    {September 26th, 2022} by Sheryl J. Moore

    DEFERRED ANNUITIES DO: 1. Provide a minimum “floor” of income in retirement; 2. Protect you from outliving your income; and 3. Defer the taxes that you will pay on them, until taking income. DEFERRED ANNUITIES DO NOT: 1. Result in the insurance company keeping your money if you die the day after purchase; 2. Prevent […]

    Food for Thought

    {September 26th, 2022} by Sheryl J. Moore

    The one thing that all annuities have in common? A sentence on the front page of the contract. “The guarantees in this contract are only as good as the claims paying ability of the insurer.” -sjm 

    Life Insurance Awareness Month #LIAM

    {September 26th, 2022} by Wink's Intel Pros

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

    Reliable and Relevant: Reprint #LIAM

    {September 26th, 2022} by Sheryl J. Moore

    I will never forget the day when Grandfather came home with tears in his eyes, talking about his client who had died unexpectedly. You see, this client’s wife had just held my grandfather’s hand for hours, as people came through a funeral home, paying their last respects to her husband. She repeatedly thanked him, looking […]

    The Inconceivable Life Lesson: REPRINT #LIAM

    {September 26th, 2022} by Sheryl J. Moore

    He was not yet four years old when my manager in the home office sat me down and suggested that I purchase life insurance for my oldest child, my only son, AJ. It seemed strange to me to consider his death. Why would I want to purchase life insurance on my child? I would predecease him. This […]


    {September 26th, 2022} by Sheryl J. Moore

    Recently, one of the largest Field Marketing Organizations (FMOs) in the country asked for Wink’s help with a big premium financing case. While preparing to run illustrations for the study, our team reviewed the list of products that the FMO wanted to include. I was shocked to see that while all of the products were […]

    Rising Rates Make Life Insurance Funded With Debt More Costly

    {September 26th, 2022} by Leslie Scism

    Rising interest rates and a falling stock market are putting new pressure on a popular strategy of borrowing to fund the purchase of multimillion-dollar life-insurance policies. Even before rates started to rise, consumers were being forced to make big payments when strategies failed to deliver the promised returns. Many sued their agents and insurers. Click […]

    OneAmerica Launches Variable Universal Life Insurance

    {September 26th, 2022} by OneAmerica

    INDIANAPOLIS, Sept. 20, 2022 /PRNewswire/ — The companies of OneAmerica announce the expansion of their product portfolio to offer OneAmerica® Variable Universal Life (VUL) insurance. Distributed through the Individual Life and Financial Services (ILFS) line of business, this new product provides customers with a strong vehicle for protection, while also offering them the opportunity to invest in the financial […]

    New York Life Launches Wealth Plus

    {September 26th, 2022} by New York Life

    NEW YORK–(BUSINESS WIRE)–New York Life today announced the launch of Wealth Plus, two new, innovative life insurance solutions. The Wealth Plus* series is designed to provide death benefit protection and early, tax-advantaged cash value accumulation potential, enabling clients to further maximize the benefits of life insurance as part of a holistic financial strategy. With the […]

    Life insurance technology leaders kick off ITC week at Equisoft’s Elevate, a gathering to spark innovation and ignite growth

    {September 26th, 2022} by Equisoft

    Former head of Disney University headlined Elevate, inspiring life insurance audience to unlock creativity and accelerate digital transformation LAS VEGAS, Sept. 21, 2022 /PRNewswire/ – Equisoft, a leading global provider of advanced insurance solutions, held its yearly customer event “Elevate” in Las Vegas, in advance of Insurtech Connect. Life insurance technology leaders gathered for in-depth discussions about digital transformation with their […]

    Finseca: Three Simple Steps To Follow When Buying Life Insurance

    {September 26th, 2022} by Finseca

    WASHINGTON, Sept. 22, 2022 /PRNewswire/ — September is Life Insurance Awareness Month, a great opportunity to look at a foundational element of your financial plan. If you’re like most Americans, these three simple steps may help you when making a decision about your life insurance needs.  Assess your needs. Before making any decisions about your life insurance policies, you […]

    AM Best Downgrades Issuer Credit Rating of Grange Life Insurance Company; Affirms Credit Ratings of Kansas City Life Insurance Company and Its Subsidiary

    {September 26th, 2022} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has downgraded the Long-Term Issuer Credit Rating (Long-Term ICR) to “bbb” (Good) from “bbb+” (Good) and affirmed the Financial Strength Rating (FSR) of B++ (Good) of Grange Life Insurance Company (Grange Life) (Columbus, OH). The outlook of the FSR has been revised to negative from stable, while the outlook of the Long-Term […]

    Global Growth Announces The Successful Rehabilitation of Michigan Insurance Company Owned by Greg Lindberg

    {September 26th, 2022} by Pavonia Life Insurance Company of Michigan

    ORLANDO, Fla.–(BUSINESS WIRE)–Global Growth today announced the rehabilitation of Pavonia Life Insurance Company of Michigan (“Pavonia”), a Michigan insurance company affiliated with Global Growth and owned by Global Growth owner Greg Lindberg. As part of the rehabilitation, Pavonia is being acquired by Axar Capital Management. The rehabilitation fully protects Pavonia’s 350,000 direct and reinsured policyholders […]

    AIG Announces Redemption of Certain Outstanding Notes

    {September 26th, 2022} by AIG

      September 23, 2022 04:16 PM Eastern Daylight Time NEW YORK–(BUSINESS WIRE)–American International Group, Inc. (NYSE: AIG) today announced that it will redeem (i) $750,000,000 aggregate principal amount of its outstanding 3.900% Notes Due 2026 (CUSIP 026874DH7 / ISIN US026874DH71) (the “3.900% Notes”), (ii) all of its outstanding 3.750% Notes Due 2025 (CUSIP 026874DD6 / […]

    CL Life and Annuity Insurance Company Launches New MYGA Product to Market in Eight Weeks with FireLight®

    {September 26th, 2022} by Insurance Technologies LLC

    September 21, 2022 09:00 AM Eastern Daylight Time COLORADO SPRINGS, Colo.–(BUSINESS WIRE)–Insurance Technologies, LLC., a provider of sales and regulatory automation solutions for the life and annuities insurance industries, announces that CL Life and Annuity Insurance Company (“CL Life”), a provider of insurance products that offer policyholders stable growth, tax deferral and income planning, has […]

    John Hancock becomes the first life insurance carrier to offer access to GRAIL’s multi-cancer early detection test to customers

    {September 26th, 2022} by John Hancock

    BOSTON, Sept. 20, 2022 /PRNewswire/ — Today, John Hancock, the US division of Toronto-based Manulife ( NYSE: MFC), announced it is offering access to GRAIL’s Galleri® multi-cancer early detection test to a pilot group of existing customers through the John Hancock Vitality Program, in collaboration with reinsurer Munich Re Life US. As the first life insurance carrier to make this breakthrough screening technology available, John […]

    Life Groups Calls on States to Review Agent Exam Difficulty

    {September 26th, 2022} by Allison Bell

    Life and annuity industry groups are asking states to update agent licensing rules, make training programs more convenient, and make licensing exams more convenient and easier to pass. The American Council of Life Insurers has joined with two rival producer groups, the National Association of Insurance and Financial Advisors and Finseca, to send state lawmakers, […]

    Pacific Life Names an In-Plan Annuity Leader: Executive Changes

    {September 26th, 2022} by Allison Bell

    Pacific Life has hired Michael Oler to be head of defined contribution lifetime income for the company’s Institutional business. The Newport Beach, California-based life insurer says the new unit is a “key growth initiative.” It will use new federal rules that encourage employers to add annuitization options to defined contribution retirement plans to market in-plan […]

    The 60/40 strategy is on pace for its worst year since 1936: BofA

    {September 26th, 2022} by Dani Romero

        The recent synchronized selloff in stocks and bonds has crushed one of the most popular strategies for long-term investors: the 60/40 portfolio. According to data from strategists at Bank of America Global Research published last week, the 60/40 portfolio — a mix of 60% stocks and 40% bonds — was down 19.4% year-to-date […]

    Fintech opens up a market for banks: Lending against life insurance

    {September 26th, 2022} by Miriam Cross

    Many people buy whole life insurance as protection for their beneficiaries after they die. Josh Wyss also sees it as a savings vehicle during his lifetime. Unlike with term life insurance, which covers a specific period of the policyholder’s life, whole-life policyholders can borrow against the cash value of their policies when they need income. […]

    HUB International Partners with Ethos to Provide Access to Instant Life Insurance Coverage on the VIU by HUB Digital Brokerage Platform

    {September 26th, 2022} by HUB

    VIU by HUB adds Ethos’ fast, easy, and affordable same-day life insurance coverage – with no medical exams required – to its lineup of transactional personal insurance options CHICAGO, Sept. 20, 2022 /PRNewswire/ — Hub International Limited (HUB), a leading global insurance brokerage and financial services firm, today announced its partnership with Ethos, a technology company that makes it easy for […]

    Meeting Female Investors Where They Are Now: In the Driver’s Seat

    {September 26th, 2022} by Jane Wollman Rusoff

    Younger women are more confident about managing and investing their money than those of prior generations. The reason isn’t complicated. “They’ve taken on a greater role in making money and determining how they want that money to fund their lives,” argues Lorna Kapusta, head of women and customer engagement at Fidelity Investments, in an interview […]

    The Leading Seller of Indexed Universal Life Has a New Weapon

    {September 26th, 2022} by Aaron Smith

    National Life had a 14.2% share of the market for indexed life policies in 2021, compared with 10.4% for No. 2 Pacific Life, according to Wink. Click HERE to read the full story via Life Annuity Specialist

    Clients Need Help With This One Powerful Threat: Martin Powell

    {September 26th, 2022} by Allison Bell

    Martin Powell wants to keep short-term fears about market ups and downs from ruining Americans’ long-term retirement savings strategies. Powell is head of annuity distribution at CUNA Mutual Group, a Madison, Wisconsin-based mutual insurer that has about $44 billion in assets. He earned a bachelor’s degree in economics and statistics from Rutgers University and a […]

    Trade Groups Urge House Vote On Index-Linked Annuities Bill

    {September 26th, 2022} by Tracey Longo

    Five insurance industry trade associations are asking the leadership of the U.S. House Financial Services Committee to bring legislation to the House floor that would expand the use of registered index-linked annuities—a vote they’re hoping to get before the midterm elections. The legislation, known as the Registration for Index Linked Annuities Act, cleared the Financial […]

    Ohio National Rolls Out Whole Life Product Linked to Indexes

    {September 20th, 2022} by Cyril Tuohy

    In the second quarter, sales of whole life insurance fell 3% from a year earlier, as measured by premiums, Limra reported on Tuesday. Market research firm Wink, which does its own survey, reported an even steeper drop of 6% to $1.1 billion. The category of final expense captured 56.5% of sales, Wink reported. MassMutual was the top seller of whole life […]

    Second-Quarter Life Sales Point to End of the Covid ‘Dividend’

    {September 20th, 2022} by Cyril Tuohy

     The average premium per whole life policy for the second quarter was $3,513, according to Wink’s Sales and Market Report. Click HERE to read the full story via LifeAnnuitySpecialist

    A-CAP and AmeriLife Enhance APP Annuity with Addition of ESG Macro 5 Index from Credit Suisse

    {September 20th, 2022} by A-CAP

    NEW YORK and CLEARWATER, Fla. | September 13, 2022 12:30 PM Eastern Daylight Time  A-CAP and AmeriLife today announced the addition of the Credit Suisse ESG Macro 5 Index (Bloomberg: CSEAGESG) to their industry-leading Accumulation Protector PlusSM (“APP”) Annuity, a 10-year fixed indexed annuity, offered through A-CAP’s subsidiaries, Sentinel Security Life Insurance Company and Atlantic Coast Life Insurance Company. The Credit […]

    AIG Announces Closing of Corebridge Financial, Inc. Initial Public Offering

    {September 20th, 2022} by AIG

    NEW YORK–(BUSINESS WIRE)–American International Group, Inc. (NYSE: AIG) today announced the closing of its initial public offering (“IPO”) of Corebridge Financial, Inc. (“Corebridge,” NYSE: CRBG). The gross proceeds of the offering to AIG, before deducting underwriting discounts and commissions and other expenses payable by AIG, were approximately USD 1.7 billion. Corebridge’s common shares began trading on […]

    AM Best Assigns Credit Ratings to CL Life and Annuity Insurance Company

    {September 20th, 2022} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has assigned a Financial Strength Rating (FSR) of B++ (Good) and a Long-Term Issuer Credit Rating (Long-Term ICR) of “bbb+” (Good) to CL Life and Annuity Insurance Company (CL Life) (Fort Worth, TX). The outlook assigned to these Credit Ratings (ratings) is stable. The ratings reflect CL Life’s balance sheet strength, which […]

    Life insurance associations propose producer licensing reforms

    {September 20th, 2022} by Press Release

    WASHINGTON – Associations representing life insurance companies and producers have proposed reforms to the producer licensing process that will remove barriers preventing qualified individuals from becoming life insurance agents. The American Council of Life Insurers, Finseca and the National Association of Insurance and Financial Advisors presented the proposal today during the National Association of Insurance […]

    Experts portray life insurance as in demand, undergoing change

    {September 20th, 2022} by Doug Bailey

    It’s easy, and unfair, to think that life insurance is a stodgy old product that hasn’t changed much since its inception eons ago. But an overview this week of current life insurance trends and what leading advisors are doing to maximize the use of life insurance for clients portrayed an industry radically changing to meet […]

    Lincoln Financial wants consumers to understand life insurance’s living benefits

    {September 20th, 2022} by Lincoln Financial Group

    RADNOR, Pa.– New research from Lincoln Financial Group finds U.S. consumers surveyed are looking to better understand how to weather the current economic climate, yet few are taking action. During Life Insurance Awareness Month, Lincoln Financial encourages consumers to adopt an “if not now, when?” financial planning mindset, highlighting how the often unknown or misunderstood […]

    S&P: Though recession may loom, life insurers in a good position

    {September 20th, 2022} by John Hilton

    The life insurance industry is facing significant headwinds, an S&P Global Ratings’ analyst said this morning, but is strong enough financially to push through 2023. Speaking during the 2022 Insurance Summit organized by the National Association of Insurance Commissioners, Carmi Margalit, life insurance sector lead, said storm clouds are gathering and it starts with the […]

    11 Questions Clients Have About Annuities and Taxes

    {September 20th, 2022} by Emily Holbrook

    Annuities have become a common choice for investors who want to receive a steady income stream in their retirement years. They can be structured to pay income for a set number of years (such as 10 or 20) or for the lifetime of the annuity owner. Further customization is also available for most types of […]

    Corebridge, AIG’s Annuity Arm, Completes $1.7B IPO

    {September 20th, 2022} by Allison Bell

    Investors today gave Corebridge Financial — AIG’s life insurance and annuity arm — a lukewarm welcome as its shares began trading on the New York Stock Exchange, under the stock symbol “CRBG.” Corebridge shares opened at $20.50 per share. The price increased to a high of $21.05 before closing at $20.73. Click HERE to read […]

    Life Settlement Firm Sues John Hancock Over UL Cost-of-Insurance Increases

    {September 20th, 2022} by Allison Bell

    An Irish asset manager is suing John Hancock Life Insurance Company of New York over a cost-of-insurance increase on a $15 million universal life insurance policy. The lead plaintiff, Skellig ICAV, joined with its U.S. securities intermediary, Wilmington Trust, to file a complaint against John Hancock last week, in the U.S. District Court for the […]

    NAIC Proposes Actuarial Guidelines for Index-Linked Variable Annuities

    {September 20th, 2022} by William Kotapish, Carlton Fields

    On July 25, 2022, the Index-Linked Variable Annuity (A) Subgroup of the NAIC’s Life Insurance and Annuities (A) Committee issued for public comment an exposure draft of proposed actuarial guidelines for index-linked variable annuities (ILVAs). The guidelines are designed to establish standards for the design and operation of ILVAs so that they more clearly constitute […]

    Life Insurance Faces a Family Budget Stress Test: Joshua Police

    {September 20th, 2022} by Allison Bell

    Joshua Police thinks financial professionals can help families protect themselves better against the risk of premature death by getting people talking about their hopes and fears. Police is the executive vice president of distribution and business development at Boston Mutual Life Insurance Company, a Canton, Massachusetts-based life insurer that’s been around since 1891 and has […]

    Life Insurers Should Plan for Stress: Barings’ Insurance Head

    {September 20th, 2022} by Allison Bell

    Ken Griffin is in charge of helping life insurance and annuities keep their promises to your clients. Griffin is the new head of insurance solutions at Barings, a Charlotte, North Carolina-based asset management arm of MassMutual. Barings has about $349 billion in assets, including $223 billion in insurance assets under management. Click HERE to read […]

    North American Life Insurers’ Inflation Shielding Looks Strong: Analysts

    {September 20th, 2022} by Allison Bell

    In a normal bad economy, North American life insurance and annuity issuers should do well. Analysts at Fitch Ratings give that assessment in a look at how they think the world’s insurers might do in a world where government banks around the world are pushing up interest rates in an effort to hold down prices. […]

    Pillar Life Aims to Sell Annuities Directly to Consumers

    {September 20th, 2022} by Allison Bell

    Two Global Bankers Insurance Group veterans are helping to start Pillar Life Insurance — a company that hopes to begin selling non-variable annuities directly to consumers through a web-based self-service process by April 2023. The insurer has posted guides to multi-year guaranteed annuity (MYGA) contracts and single-premium immediate annuities — or SPIA contracts — on […]

    Global Perspectives on Suicide: Data, Risk & Prevention

    {September 20th, 2022} by RGA

    According to the World Health Organization, suicide is among the leading causes of death worldwide, with more than one in every 100 deaths (1.3%) in 2019 as a result of suicide.  The COVID-19 pandemic increased challenges around mental healthcare, adding new levels of complexity and difficulty.      Dennis Barnes, Executive Vice President & Chief Marketing […]

    MassMutual Consumer Spending & Saving Index: Most Americans think the U.S. is already in a Recession but remain Optimistic about their Financial Futures

    {September 20th, 2022} by MassMutual

    SPRINGFIELD, Mass.–(BUSINESS WIRE)–Despite many Americans believing that the U.S. is already in a recession, most remain optimistic about their financial futures. The latest Consumer Spending & Saving Index from Massachusetts Mutual Life Insurance Company (MassMutual) suggests that rising interest rates, high inflation, and stock market volatility have yet to dampen people’s views on their personal finances. “It […]

    Ohio National Teams with Accenture to Accelerate Technology Modernization

    {September 20th, 2022} by Accenture

    NEW YORK & CINCINNATI–(BUSINESS WIRE)–Accenture (NYSE: ACN) and Ohio National Financial Services, Inc. have collaborated to modernize the life insurer’s core systems, transforming its processes and helping it achieve significant top-and bottom-line business results. The modernization program consolidated Ohio National’s business onto the Accenture Life Insurance and Annuity Platform (ALIP), improving operating efficiencies and supporting […]

    AM Best Affirms Credit Ratings of New York Life Insurance Company and Its Subsidiaries

    {September 20th, 2022} 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 ICRs) of “aaa” (Exceptional) of New York Life Insurance Company, New York Life Insurance and Annuity Corporation (NYLIAC), Life Insurance Company of North America (LINA) and New York Life Group Insurance Company of NY (NYLGICNY). […]

    New life insurance premium up 11% over first half of 2022, LIMRA finds

    {September 20th, 2022} by Staff Reports

    Total U.S. life insurance new annualized premium increased 6% in the second quarter 2022, the sixth consecutive quarter of premium growth, according to LIMRA’s Second Quarter 2022 U.S. Retail Life Insurance Sales Survey. In the first six months of 2022, new premium was 11% higher than the same period in 2021. Click HERE to read […]

    iPipeline Ecosystem Enables National Life Group to Create Fully Automated New Business Underwriting Platform

    {September 20th, 2022} by iPipeline

    EXTON, Pa. and MONTPELIER, Vt., Sept. 13, 2022 /PRNewswire/ — iPipeline® announces that National Life Group is utilizing its iGO® e-App and Resonant® underwriting solutions to automate and optimize the underwriting and distribution of indexed universal life insurance policies.   iPipeline’s technology enables National Life to become one of the first insurance providers to distribute universal life insurance policies via a fully […]

    Insurance industry pushes ‘quick fix’ for IUL illustration issues

    {September 20th, 2022} by John Hilton

    For example, some IUL fixed interest bonuses can generate illustrated income more than 60% higher than a Benchmark Index Account [such as the S&P 500], wrote Sheryl Moore and Bobby Samuelson, who are competing product intelligence analysts. The pair co-authored a pair of comment letters. “This is, in our view, entirely inconsistent with the intent […]


    {September 20th, 2022} by Sheryl J. Moore

    The following article is a reprint, originally written July 15, 2013 by Sheryl J. Moore: Throughout the past [20] years of working with universal life (UL) products, one comment in particular has been overheard far too often: “…fund this UL at [X percent] over target.” This comment is especially popular in the indexed life market, […]

    Terminal Funding Annuities Smooth Rough Seas for Defined-Benefit Plans

    {September 20th, 2022} by Lowell Walters, Carlton Fields

    Current volatile market conditions and increasing interest rates are causing defined-benefit plan administrators and sponsors to consider purchasing annuity contracts (often called “terminal funding annuities”) to fund retiree benefits. Since defined-benefit plans (including cash balance plans) guarantee benefits to employees without regard to actual market returns, plan sponsor financial burdens increase when investments lose value. […]

    NAIC Life Insurance Policy Locator Helps Consumers Find Lost Life Insurance Benefits

    {September 20th, 2022} by NAIC

    WASHINGTON, Sept. 16, 2022 /PRNewswire/ — The National Association of Insurance Commissioners’ (NAIC) Life Insurance Policy Locator (LIPL) helps to connect consumers with their deceased loved ones’ lost life insurance policies and annuity contracts. “Dealing with the financial aftermath in the death of a loved one is difficult and often confusing,” said NAIC President and Idaho Insurance Director Dean Cameron. “You […]

    We Need Help Growing Life Insurance Distribution: REPRINT #LIAM

    {September 20th, 2022} by Sheryl J. Moore

    Originally posted February 5, 2011 by Sheryl J. Moore Most of you know that I am passionate about indexed life insurance and indexed annuities. However, I am passionate about insurance products in general. In fact, one of the things that I am MOST passionate about is growing our distribution! Not so long ago, life insurance […]

    Death Benefit Claim Fail #LIAM Reprint

    {September 20th, 2022} by Sheryl J. Moore

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

    New Survey Finds Americans Want Even More Guaranteed Income in Retirement

    {September 20th, 2022} by Kiplinger's Personal Finance

    Fear over economic volatility tops the list of concerns for retirement savings, according to a new joint poll from Kiplinger and Athene WASHINGTON, Sept. 8, 2022 /PRNewswire/ — Recent volatility in the markets has altered Americans’ perceptions around what it means to have a secure retirement, as three-fourths of respondents say they would like more guaranteed income […]

    Despite rising concern, Americans leave themselves vulnerable to cyberattacks

    {September 20th, 2022} by Nationwide

    Nationwide survey reveals many consumers are unaware of cyber insurance solutions Highlights: Nationwide’s Agency Forward survey reveals 58% of consumers are concerned about falling victim to a cyberattack – up nine points since June 2020. Despite those concerns, 69% of those surveyed say they don’t have cyber insurance Without insurance, recovery from a cyber issue can take […]

    Simplicity Enters an Agreement to Acquire Allegis Advisor Group and Will Welcome Founder Chris Miller and Brian Pierce to the Simplicity Partnership

    {September 20th, 2022} by Simplicity Group

    SUMMIT, N.J., Sept. 15, 2022 /PRNewswire/ — Simplicity Group (“Simplicity”) today announced it has entered into an agreement to acquire Allegis Advisor Group (“Allegis”), an agency dedicated to supporting independent advisors across annuity, long-term care, and life insurance sales. Allegis will be the 43rd group to join Simplicity, and with the closing of this deal, the company will welcome Chris […]

    Northwestern Mutual Launches Long-Term Advantage™ Giving Clients New Levels of Flexibility to Plan for Long-Term Care Needs

    {September 20th, 2022} by Northwestern Mutual

    MILWAUKEE, Sept. 13, 2022 /PRNewswire/ — Northwestern Mutual announced today the launch of Long-Term Advantage™, a new offering designed to help people pay for long-term care needs – which, if ultimately not needed, will instead provide a life insurance benefit. The offering, which also has a guaranteed premium and will not be subject to rate increases, features a […]

    Variable Life Insurance Market Is Set to Fly High in Years to Come

    {September 20th, 2022} by ReleaseWire

    New Jersey, USA — (SBWIRE) — 09/14/2022 — The Latest Released Variable life Insurance market study has evaluated the future growth potential of Variable life Insurance market and provides information and useful stats on market structure and size. The report is intended to provide market intelligence and strategic insights to help decision makers take sound investment decisions and […]

    Millennial, Gen Z ‘super savers’ still bullish on hitting retirement goals

    {September 20th, 2022} by Gregg Greenberg

    Recession fears and inflation may be on the rise, but millennial and Gen Z “super savers” aren’t backing off their retirement plans.  Click HERE to read the full story via InvestmentNews

    Strategies & Tips To Celebrate Life Insurance Year Round

    {September 20th, 2022} by Robert Mittel, Tim Sease

    It’s September, the time of year all financial advisors look forward to — not because of changing leaves or pumpkin spice lattes, but because it’s Life Insurance Awareness Month. Every September, advisors focus their energy on sharing why their clients need protection. Then, October 1 comes around, and we wait 11 months before once again […]

    A Conversation With Mark Holweger

    {September 20th, 2022} by PE Kelley

    There is an age old tenet of marketing that life insurance must necessarily be sold in a top-down setting, with an experienced agent guiding the process from start to finish, to ensure that the client doesn’t deviate from what has always been accepted as a proven way to seal the deal. Moreover, traditionally, it was […]

    Gleaner Life Insurance Society welcomes Anthony Clark as president and CEO

    {September 20th, 2022} by The Daily Telegram

    ADRIAN — Anthony Clark, a 26-year insurance executive and a former Gleaner Life Insurance Society staff member, has returned as its 10th president and CEO. He began work on Aug. 12 after being selected by the fraternal life insurance society’s board of directors. “Gleaner is a great organization,” Clark told employees at his introduction, a news release said. […]

    I walked at the American Foundation for Suicide Prevention’s Out of the Darkness Walk.

    {September 18th, 2022} by Sheryl J. Moore

    I walked at the American Foundation for Suicide Prevention’s Out of the Darkness Walk. My sincerest thanks to all of you who donated, in honor of my son. THANK YOU! I walked for my son. I walked for my firstborn. I walked for an extraordinary human being. I walked for AJ Betts. Nine years since […]

    Indexed Life Sales Up as Fixed Universal Sales Drop

    {September 13th, 2022} by Alex Padalka

    Indexed universal life sales rose in the second quarter of 2022 as fixed universal life sales dropped, according to a recent report. Sales in indexed life reached $685.5 million in the second quarter, a total 12% greater than that of the same quarter last year, FA-IQ sister publication Life Annuity Specialist writes, citing a report […]


    {September 13th, 2022} by Sheryl J. Moore

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


    {September 13th, 2022} by Sheryl J. Moore

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

    More custom index choices = greater upside potential

    {September 13th, 2022} by John Rafferty

    If anything good came to the annuity industry from more than a decade of historically low interest rates, it’s the innovation that this environment compelled upon product development. With options budgets shrunken to levels last year, the “upside potential” of traditional indexes and crediting strategies like the long-suffering annual point-to-point S&P 500 index seemed a […]

    5 Myths the Hispanic Community Has About Life Insurance

    {September 13th, 2022} by Devin Pascoe

    Insurance professional and Mexican American Monica Rangel works hard to educate the Hispanic community about life insurance. The founder and CEO of Efficient Financial and Insurance Solutions in Brea, Calif., regularly members of her local community get life insurance coverage. Here are the biggest misconceptions she encounters from her Hispanic clients. Click HERE to read […]

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

    {September 13th, 2022} by Sheryl J. Moore

    Starting out in the insurance industry 20 years ago, there was one thing that I learned quickly and that was life insurance was a necessity. Life insurance guards against the risk of dying unexpectedly. And let’s face it – we’re all going to die. For that reason alone, I thought that I should purchase life […]

    2023 MDRT Executive Committee Delivers Expanded Member Resources for a Post-Pandemic World

    {September 13th, 2022} by MDRT

    PARK RIDGE, Ill.–(BUSINESS WIRE)–The 2023 MDRT Executive Committee takes on a global post-pandemic mission, as Peggy Tsai, RFP, CCFP, takes her place as 97th President and John Nichols, MSM, CLU, joins as Secretary. The Executive Committee will equip financial services professionals around the world, and at all stages of their careers, with the tools they need to […]

    Why Spending Falls and Financial Satisfaction Rises in Old Age

    {September 13th, 2022} by Dinah Wisenberg Brin

    People tend to spend less money in advanced old age but report feeling more satisfied financially than younger counterparts near retirement, according to recent research, which suggests that older adults incur fewer expenses as their interest in favorite pastimes wanes. Individuals’ enjoyment of various activities may decline “with worsening health, widowing and increasing age, leading to a lessening […]

    Private Equity Firms Face Life Insurer Safety Questions at Senate Hearing

    {September 13th, 2022} by Allison Bell

    Republican senators backed private firm owners of life insurers Thursday at a committee hearing on current issues in insurance. Democrats who addressed the topic questioned whether regulators are doing a good job of monitoring and controlling investment risk at private equity-owned life insurers that take over responsibility for defined benefit pension plans through pension risk […]

    Indexed Life Sales Rose 12% in Second Quarter, Wink Reports

    {September 13th, 2022} by Warren S. Hersch

    Indexed universal life sales in the second quarter reached $685.5 million, a 12% rise from the year before, according to a new report from market research firm Wink. The top five carriers in the product segment included National Life, which had the largest share, or 13.9%, of indexed life sales, followed by Transamerica, Pacific Life, Nationwide and Sammons Financial. Click HERE to […]

    Buyers Opt for Annuities Linking to Special Indexes at Record Pace

    {September 13th, 2022} by Cyril Tuohy

    The indexes were available on 49.8% of all indexed annuities sold in the April through June period, the highest percentage ever, according to Wink’s Sales & Market Report. The S&P 500 Index was an option on 38.4% of the products sold. “This is the first time that category’s allocations have surpassed the S&P 500 allocations,” said Sheryl […]

    Life insurance: The bedrock of estate planning

    {September 13th, 2022} by John Hilton

    The majority of Americans (77%) say that estate planning is important for everyone, regardless of wealth level, according to a 2021 Edward Jones survey. Yet, the data shows that most do not have an estate plan in place. And trends are getting worse. Just 32% of Americans have a will, a 2022 Caring.com survey found. […]

    SE2 Becomes Zinnia, Defining an Open Insurance Experience for Life and Annuities

    {September 12th, 2022} by Zinnia

    TOPEKA, Kan.–(BUSINESS WIRE)–SE2, an Eldridge business and leading life and annuity insurance technology and services company, today announced its evolution into Zinnia (“Zinnia” or the “Company”). Zinnia will deliver clients a modern Open Insurance experience and the tools to reimagine how life and annuities are bought, sold, serviced, and experienced. At the heart of Zinnia […]

    Northwestern Mutual Unveils “The Great Realization” – National Brand Campaign Empowering Americans To Make Their Dreams A Reality

    {September 12th, 2022} by Northwestern Mutual

    Reinforced by national survey findings, campaign spotlights cultural awakening and the need for personalized financial planning; coincides with new CMO appointment MILWAUKEE, Sept. 8, 2022 /PRNewswire/ — Northwestern Mutual has discovered an overwhelming desire among Americans to earnestly pursue their dreams now, rather than waiting for that elusive “someday.” Yet, for far too many, financial insecurity is […]

    Penn Mutual Earns 2022 Great Place to Work Certification™

    {September 12th, 2022} by The Penn Mutual LIfe Insurance Company

    HORSHAM, Pa., Sept. 12, 2022 /PRNewswire/ — The Penn Mutual Life Insurance Company (Penn Mutual), a Fortune 1000 company, is proud to be Certified™ by Great Place to Work® on its first submission for consideration. The prestigious award is based entirely on what current employees say about their experience working at Penn Mutual. This year, 93% of Penn […]

    Ibexis Life & Annuity Insurance Company Announces Distribution Partners

    {September 12th, 2022} by Ibexis Life & Annuity Insurance Company

    JEFFERSON CITY, Mo., Sept. 7, 2022 /PRNewswire/ — Ibexis Life & Annuity Insurance Company (“Ibexis”) today announced that its MYGA Plus™ fixed annuity will be offered through the following Independent Marketing Organizations (“IMOs”): Ash Brokerage, Creative One, DMI, Financial Independence Group (FIG), Gradient, Insurance Agency Marketing Services (IAMS), Magellan Financial, M&O Marketing, and TruChoice. “Ibexis is focused […]

    If you own or owned a Lincoln Life & Annuity Company of New York Universal Life Insurance Policy, your rights may be affected by a class action lawsuit

    {September 12th, 2022} by JND

    SEATTLE, Sept. 7, 2022 /PRNewswire/ — The Court has allowed a lawsuit known as Vida Longevity Fund, LP v. Lincoln Life & Annuity Company of New York, Case No. 1:19-cv-06004-ALC-DCF (S.D.N.Y), to be a class action on behalf of a “Class,” or group of people, that may include you. The lawsuit alleges that Lincoln Life & Annuity Company of New York (“Defendant”) breached the […]

    AM Best Affirms Credit Ratings of American Equity Investment Life Insurance Company and Its Subsidiaries

    {September 12th, 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 American Equity Investment Life Insurance Company (AEILIC) and its subsidiaries, American Equity Investment Life Insurance Company of New York (Lake Success, NY) and Eagle Life Insurance Company, collectively referred to […]

    Best’s Special Report: First-Half 2022 Net Income in U.S. Life/Annuity Insurance Industry Jumps by More Than 60%

    {September 12th, 2022} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–Net income for U.S. life/annuity (L/A) insurance industry increased by 62% in the first half of 2021, rising to $20.9 billion from $12.9 billion in the same prior-year period, according to a new AM Best report. This financial review is detailed in a new Best’s Special Report, titled, “First Look: Six-Month 2022 U.S. Life/Annuity Financial Results,” and […]

    AM Best Affirms Credit Ratings of American Equity Investment Life Insurance Company and Its Subsidiaries

    {September 12th, 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 American Equity Investment Life Insurance Company (AEILIC) and its subsidiaries, American Equity Investment Life Insurance Company of New York (Lake Success, NY) and Eagle Life Insurance Company, collectively referred to […]

    Wink, Inc. Releases Second Quarter, 2022 Life Sales Results

    {September 7th, 2022} by Wink's Press Release

    — FOR IMMEDIATE DISTRIBUTION — NEWS RELEASE   INDEXED LIFE SALES CONTINUE ON RECORD SETTING PACE Wink, Inc. Releases Second Quarter, 2022 Life Sales Results Des Moines, Iowa. September 2nd, 2022– Wink, Inc. released the second quarter, 2022 life sales results in its 100th edition of Wink’s Sales & Market Report. Wink’s Sales & Market Report […]


    {September 7th, 2022} by Sheryl J. Moore

    Non-Variable UL Sales for the second quarter of 2022 were $790 million, compared with sales of $756 million for the second quarter of 2021. Second quarter non-variable life sales were up more than 7% when compared to the previous quarter and up more than 4% as compared to the same period last year. Non-variable universal […]

    The New Kings of Annuity Distribution May Come as a Surprise

    {September 7th, 2022} by Cyril Tuohy

    “For the first time, banks sold more annuities than any distribution channel,” Sheryl Moore, CEO of Wink and Moore Market Intelligence, said in a news release.   Click HERE to read the full story via Life Annuity Specialist Click HERE to read Sheryl Moore’s full statement.    View the Wink’s Sales & Market Report Press Release, Click HERE and […]

    MYGA sales power 2Q, Wink reports, overcoming variable sales decline

    {September 7th, 2022} by Staff Reports

    Total second-quarter sales for all deferred annuities were $72.8 billion, an increase of 21.9% when compared to the previous quarter and an increase of more than 12.8% when compared to the same period last year, according to Wink’s Sales & Market Report. Sales were powered by an 80% increase in multi-year guaranteed annuities, while variable […]

    Higher Rates Fuel Q2 Multi-Year Guaranteed Annuity Sales: Wink

    {September 7th, 2022} by Allison Bell

    Higher interest rates and client concerns about stock market volatility pushed sales of multi-year guaranteed annuities (or MYGA contracts) up hard in the second quarter. U.S. MYGA contract sales increased 82% between the second quarter of 2021 and the latest quarter, to $26 billion, according to new annuity issuer sales survey data from Wink. Click […]

    AIG Announces Launch of Initial Public Offering of Corebridge Financial, Inc.

    {September 7th, 2022} by AIG

    NEW YORK–(BUSINESS WIRE)–American International Group, Inc. (NYSE: AIG) today launched the initial public offering (“IPO”) of its majority-owned subsidiary, Corebridge Financial, Inc. (“Corebridge,” previously “SAFG Retirement Services, Inc.”). AIG, as the selling stockholder, is offering 80 million shares of common stock (out of 645 million total common shares) of Corebridge and has granted a 30-day […]

    Is a fixed annuity worth it for those early retirement years?

    {September 7th, 2022} by Mark MacGillivray

    As an advisor, you have many tools in your toolbox to help guide your clients through their retirement planning process while diversifying their portfolios. However, there may be one tool that is currently underutilized – the fixed annuity. Similar to a bond or CD, fixed annuities are considered safe money products, with added benefits that […]