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  • NAIC to Spotlight Annuity Sales Standard Update Gray Zones

    {December 19th, 2022} by Allison Bell

    Many states rushed to adopt an annuity sales rule revision, but big update gaps remain. As many as 14 states and the District of Columbia are still using the National Association of Insurance Commissioners‘ old sales rules, without strong indications that they will move to the new version soon, according to an NAIC implementation map. […]

    15 Key Life, Health and Annuity Regulatory Stories of 2022, So Far

    {December 19th, 2022} by Allison Bell

    Legislators and regulators could still rush out a flurry of major life, health and annuity actions, but up till now, 2022 has been more a year of fixes than of masterpieces. Aside from beginning to build the regulatory universes spawned by the No Surprises Act, which restricts the ability of health care providers to bill […]

    Prudential Ad Campaign Focuses on Cautious Optimism

    {December 19th, 2022} by Allison Bell

    Prudential recently launched an ad campaign with a theme based on the question “Now What?” The first television ad in the campaign shows people celebrating and then wondering what they should do next. Click HERE to read the full story via ThinkAdvisor

    Insurtech Regs, ‘Dark Pattern’ Spottting on NAIC’s To-Do List

    {December 19th, 2022} by Allison Bell

    A consumer group wants state insurance regulators to give agents and consumers more information about how well insurers pay claims. The Center for Economic Justice told the National Association of Insurance Commissioners that states should make public company-level data from the Market Conduct Annual Statements that states already collect. Click HERE to read the full […]

    RIA Fears DOL Independent Contractor Proposal Will Hurt Business

    {December 19th, 2022} by Allison Bell

    A North Carolina registered investment advisor told the U.S. Department of Labor that its effort to narrow the definition of the term “independent contractor” is bad for RIA firms. Laird Hepburn, a partner with an RIA firm in Apex, North Carolina, noted that state and federal law requires him to supervise the firm’s investment advisor […]

    Massachusetts Adopts Annuity Sales Regulations

    {December 19th, 2022} by Allison Bell

    Massachusetts has adopted an annuity sales standard update developed by the National Association of Insurance Commissioners. The state Division of Insurance published the Suitability in Annuity Transactions regulation changes in the Massachusetts Register Friday. Click HERE to read the full story via ThinkAdvisor


    {December 19th, 2022} by NAIFA

    A comment letter submitted by NAIFA President Lawrence Holzberg, LUTCF, LACP, on behalf of the association to the U.S. Department of Labor urges the department to provide an exemption or carve-out for financial professionals in a proposed rule on employee or independent contractor classification under the Fair Labor Standards Act. Independent insurance producers, brokers, and financial advisors have a long […]

    Missouri Jury Awards $28.36M in Universal Life Case

    {December 19th, 2022} by Allison Bell

    A state court jury in Kansas City, Missouri, has awarded a $28.36 million verdict to the plaintiffs in a class-action case involving flexible-premium, adjustable universal life insurance policies. The plaintiffs filed the suit have accused the issuer, Kansas City Life Insurance Company, of basing cost-of-insurance-charge increases on factors other than future mortality experience, in conflict […]

    Tontines are making a comeback and no, it’s not a movie

    {December 19th, 2022} by Gregg Greenberg

    Offerings of the obscure, yet historically significant, financial product have been popping up in the global retirement marketplace of late. Click HERE to read the full story via InvestmentNews

    Morningstar adds Luma annuity technology to Advisor Workstation

    {December 19th, 2022} by Gregg Greenberg

    Independent investment research provider Morningstar announced Tuesday that it’s adding the Annuity Intelligence Center to its widely used Advisor Workstation. Click HERE to read the full story via InvestmentNews   Wink’s Note: Hmmm…an annuity tool that “provides advisers with educational material and comparison functionality.”  Wink, Inc.‘s AnnuitySpecs tool does that for fixed, multi-year guaranteed, indexed, […]

    If Not a 60/40 Portfolio, Then What?

    {December 19th, 2022} by Bill Aldrich

    One of the most difficult decisions we face in life involves determining when it’s time to retire. The thought of telling your employer that, after a certain date, you won’t be coming back for another paycheck is nerve-racking. Numerous questions pop into your mind. Do I have enough saved? Will my nest egg last? What […]

    Guardian Life Announces Largest Dividend in its 162-Year History, with its Dividend Interest Rate increasing to 5.75%

    {December 19th, 2022} by Guardian

    The company raises its dividend allocation for 2023 with a $1.26 billion payment NEW YORK, Dec. 13, 2022 /PRNewswire/ — The Guardian Life Insurance Company of America (Guardian®) announced that its Board of Directors approved a record dividend allocation of $1.26 billion to eligible individual life policyholders and increased its Dividend Interest Rate to 5.75 percent. The 2023 dividend marks the […]

    Getting to know our Connoisseur of Code

    {December 19th, 2022} by Wink's Intel Pros

    Jason J. Pierce, our Connoisseur of Code is the most quick-witted and smart-alecky of the Wink team, nearly worked as a geographic information systems technician in high school. What?!? He lives for Thai Red Curry but is just as likely to be caught geeking out on Rosetta Stone with the language of the month. Has […]

    Have an Annuity? Consider Investing More Aggressively

    {December 19th, 2022} by Spencer Look

    Analysts (including us) often find that retirees can benefit from partial allocations to annuities. But what should be done with the rest of the portfolio after the annuity has been purchased? Most of the time, the remainder should be invested more aggressively because annuities typically fall into the fixed-income asset class. Click HERE to read the […]

    Why High-Net-Worth Investors Are Paying More Attention to Annuities

    {December 13th, 2022} by Karen Hube

    Wealthy investors are wising up to the unique benefits of annuities. While these insurance-sold investment products are known as tools for turning savings into lifetime income, they are increasingly capturing the attention of high-net-worth investors as a way to maximize after-tax gains, leave more to heirs, offset the impact of inflation, and stabilize portfolios during […]

    Nassau Re/Imagine Launches New TalentBridge23 Incubator Program

    {December 13th, 2022} by Nassau Re

    HARTFORD, Conn.–(BUSINESS WIRE)–Nassau Re/Imagine today announced the launch of TalentBridge23, a six-month incubation program that will connect talent, innovation, and opportunity within the Hartford insurtech community beginning in January, 2023. Nassau Re/Imagine will run the program, which is also sponsored by CGI and LTIMindtree in conjunction with the University of Connecticut (UConn), and University of […]

    Athene® BCA® Honored with “Best FIA of the Year” Award at SPi USA 2022 Conference

    {December 13th, 2022} by Annexus

    Industry-leading Indices Available with Athene® BCA® Result in Award SCOTTSDALE, Ariz., Dec. 6, 2022 /PRNewswire/ — Annexus, a leading retirement product design company, announced that Athene BCA 2.0 Suite of Fixed Indexed Annuities (FIAs), one of its flagship FIAs, won the “FIA of the Year” award at the SPi USA 2022 “Awards for Excellence” ceremony. The event, hosted by Structured Product […]

    Senate Passes RILA Annuity Bill

    {December 13th, 2022} by Melanie Waddell

    The full Senate late Tuesday passed S. 3198, the Registered Index-Linked Annuities Act, which directs the Securities and Exchange Commission to develop a registration form designed for RILA products within 18 months after enactment of the act. The House Financial Services Committee approved companion legislation H.R. 4865, the Registration for Index-Linked Annuities Act, on July […]

    Top 10 Life and Annuity Deals of 2022, So Far

    {December 13th, 2022} by Allison Bell

    COVID-19, rising interest rates, a war in Europe and accounting rule change shock have put the brakes on U.S. life and annuity issuer dealmaking so far this year. At press time, life and annuity issuers had not published the values of any large, conventional mergers or acquisitions. Click HERE to read the full story via […]

    The Millennials Are Getting Older: Sammons Life Executive

    {December 13th, 2022} by Allison Bell

    Jerry Blair wants to see consumers who are young today get life insurance today. Blair is president of the Sammons Life Insurance Group, the life insurance arm of Sammons Financial Group. He entered the world of financial services through a job in a men’s clothing store more than 30 years ago, by selling a suit. The […]

    Top 10 Retail Life and Annuity Issuer Stocks

    {December 13th, 2022} by Allison Bell

    Retail life and annuity stocks have been outperforming the rest of the market. Worries about rising interest rates pushed the S&P 500 index down 14.16% during the 1-year period ending Wednesday. At the top 10 retail life and annuity issuers, share prices fell an average of just 0.31%. The gap was also wide for 10-year […]

    12 Days of Last-Minute Christmas Gifts Sure to Impress

    {December 13th, 2022} by Bryce Sanders

    Since Christmas falls on a Sunday this year, the holidays have a way of sneaking up on you, and the number of shopping days left is dwindling quickly — especially if you’re shopping online. You still might be looking for client gifts or a gift for that special someone in your life. But don’t panic […]

    Nebraska Adds an Insurance Agent Apprentice License

    {December 13th, 2022} by Allison Bell

    The Nebraska Department of Insurance has developed an application designed for people who are new to insurance sales. The department unveiled an apprentice insurance producer license earlier this month. A would-be insurance producer can use the new license to work under the supervision of a fully licensed Nebraska insurance producer for up to 120 days. […]

    10 Questions Your Clients Are Asking Google About Life Insurance

    {December 13th, 2022} by Allison Bell

    Google wants to sell your clients everything. Alphabet’s web search service recently rolled out a new flight search tool. It seems to make yet another major effort in health insurance every few weeks or so. One sign of Google’s interest in your clients: When clients start to type in questions about life insurance, the search […]

    12 Merry Retirement Statistics: 2022

    {December 13th, 2022} by John Manganaro

    Those who follow the financial services trade media are likely used to hearing the phrase “retirement crisis” thrown around with some abandon. The standard notion is that the widespread demise of defined benefit pension plans is leaving Americans with significantly less financial security once they leave the workforce. This fear is often cited in conjunction […]

    10 Great Life and Annuity Ads From 100 Years Ago

    {December 13th, 2022} by Allison Bell

    Life insurers were the video streaming services and self-driving car startups of the 1800s. They clearly offered a useful service, but they had a terrible time staying in business. The 100-something-year-old life insurers of today are the survivors. Back in December 1922, as a new year was about to begin, those life insurance and annuity […]

    Here’s the New ‘Safe’ Withdrawal Rate: Morningstar

    {December 13th, 2022} by John Manganaro

    Investors hoping to utilize a “safe” fixed real withdrawal strategy for managing their retirement income can plan to withdraw 3.8% of their portfolio’s value per year, according to Morningstar’s newly published report, “The State of Retirement Income: 2022.” In the newly published analysis, the analysts found that a starting withdrawal rate of 3.8% delivers a […]

    Senate approves bill to streamline regulatory paperwork for index-linked annuities

    {December 13th, 2022} by Mark Schoeff Jr.

    The Senate approved legislation Tuesday that would streamline regulatory filing requirements for annuities tied to indexes, a move that supporters say would help consumers better understand the investments. Click HERE to read the full story via InvestmentNews

    RILAs, fixed annuities still flying off shelves in volatile market

    {December 13th, 2022} by InvestmentNews

    The shaky stock market has investors loading up on RILAs and fixed annuities, says Lauren Drapeau, VP at Protective Life.  Click HERE to view the video at InvestmentNews

    LIMRA: Life combo products provide more options as LTCi market slows

    {December 13th, 2022} by Ayo Mseka

    As the market for long-term-care insurance (LTCI) slows, the need for life insurance combination products appears to be increasing, giving agents an opportunity to provide their clients with the LTC coverage they need, according to Alison Salka, senior vice president and head of LIMRA Research. LTCI sales remain low for a variety of reasons, Salka […]

    Insurer: Add full in-force life insurance illustration to regulation remix

    {December 13th, 2022} by John Hilton

    A state regulator panel has closed an initial comment period on potential changes to the overall life insurance illustration regulation. Any changes to the regulation would be a highly sensitive, extended process difficult to complete, regulators say, so the Indexed Universal Life Illustration Subgroup is proceeding cautiously. The advertised comment period only asked for revision […]

    RILA Act clears Senate, one step closer to law

    {December 13th, 2022} by John Hilton

    The Senate passed legislation Tuesday night to reduce market barriers for the sale of registered index linked annuities. Industry lobbyists are now pushing for the Registered Index-Linked Annuities Act to get to President Joe Biden’s desk. To do that, it needs to go back to the House for a concurrence vote. Click HERE to read […]

    Retirement survey finds more than half retired earlier than planned

    {December 13th, 2022} by Ayo Mseka

    More than half of current retirees aged 62 to 75 surveyed say they have retired from their jobs earlier than planned, according to EBRI’s 2022 Spending in Retirement Survey. Most cited health reasons or ability to retire early. At a recent EBRI webinar, senior retirement leaders shared critical information about some of the reasons retirees […]

    New York Life Partners with Human API to Further Support Consumers in the Life Insurance Purchase Experience

    {December 13th, 2022} by New York Life

    NEW YORK–(BUSINESS WIRE)–New York Life, America’s largest mutual life insurer1, today announced a strategic partnership with Human API, a leading provider of digital health data innovation and solutions, to continue to streamline and simplify the life insurance purchase experience. Powered by Human API’s Health Intelligence Platform, New York Life, with applicant consent and in full […]

    Jackson Releases Proprietary Research on Retirement Spending Attitudes of the “Golden Generation”

    {December 13th, 2022} by Jackson National Life Insurance Company

    Jackson Releases Proprietary Research on Retirement Spending Attitudes of the “Golden Generation” Findings demonstrate pension owners have a propensity toward annuities; reveal opportunity to better educate retirees on the value of guaranteed income solutions December 06, 2022 04:05 PM Eastern Standard Time LANSING, Mich.–(BUSINESS WIRE)–Jackson National Life Insurance Company (Jackson®), the main operating subsidiary of Jackson […]

    Best’s Special Report: U.S. Life/Annuity Industry Posts 25% Net Income Increase in Nine-Month 2022 Period

    {December 13th, 2022} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–The U.S. life/annuity industry reported a 25% increase in net income during the first nine months of 2022, to $31.4 billion from $25.2 billion, according to a new AM Best report, This financial review is detailed in a new Best’s Special Report, “First Look: Nine-Month 2022 Life/Annuity Financial Results,” and the data is derived from companies’ […]

    AM Best Affirms Credit Ratings of Subsidiaries of CUNA Mutual Holding Company

    {December 13th, 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 CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life). Both companies are life/health subsidiaries of CUNA Mutual Holding Company (CUNA Mutual) and collectively referred to as […]

    “Terrified”: Nearly Half of Investors Check Retirement Balance 3 Times a Week

    {December 13th, 2022} by Nationwide

    Levels of preparedness and confidence vary as retirement fears weigh more heavily on men than women COLUMBUS, Ohio, Dec. 5, 2022 /PRNewswire/ — Investors are feeling increased pressure on their financial and retirement plans in today’s turbulent economic environment, according to Nationwide’s eighth annual Advisor Authority survey, powered by the Nationwide Retirement Institute. Most investors who are not retired say they […]

    Milliman’s 2022 Fixed Indexed Annuity Industry Experience Studies show policyholder behavior is highly sensitive to interest rates and benefit guarantees

    {December 13th, 2022} by Milliman, Inc.

    Recon® platform helps annuity companies better manage risks SEATTLE, Dec. 6, 2022 /PRNewswire/ — Milliman, Inc., a premier global consulting and actuarial firm, today announced the results of its two 2022 Fixed Indexed Annuity Industry Experience Studies, which analyze policyholder behavior across 15 companies spanning 16 years. The two studies cover surrender behavior and partial withdrawals, including income […]

    Two-Thirds of American Investors Feel Like Their Financial Safety Net Has Been Taken Away, Finds F&G’s Annual Risk Tolerance Tracker

    {December 13th, 2022} by Fidelity & Guaranty Life

    Risk Aversion and Retirement Income Worries Have Increased Significantly Since 2021 DES MOINES, Iowa, Dec. 8, 2022 /PRNewswire/ — Over two-thirds of American investors (67%) feel like their financial safety net has been taken away from them as a result of the events of 2022, up drastically from 47% of people who said so one year ago. […]

    F&G Annuities & Life, Inc. Declares Inaugural Quarterly Cash Dividend

    {December 13th, 2022} by F&G Annuities & Life, Inc.

    DES MOINES, Iowa, Dec. 8, 2022 /PRNewswire/ — F&G Annuities & Life, Inc. (NYSE: FG) (“F&G” or “the Company”), a leading provider of annuity and life insurance products, today announced that its Board of Directors has declared an inaugural quarterly cash dividend of $0.20 per share of common stock, pursuant to the previously announced dividend program in which the Company […]

    AIG provides layoff notice, cutting 461 Amarillo workers from job

    {December 13th, 2022} by Tamlyn Cochran

    AMARILLO, Texas (KFDA) – An Affiliate of Insurance Giant (AIG) gave the Texas Workforce Commission notice on a number of Amarillo employees who will be losing their jobs. According to the notice, 461 workers will lose their jobs. In the letter, American General Life Insurance said, it will be restructuring with layoffs effective February 1, […]

    Indexed Life Insurance Sales Rose 11% in Third Quarter, Wink Says

    {December 13th, 2022} by Cyril Tuohy

    Third-quarter sales of indexed universal life insurance rose 11% from a year ago to $670.7 million, according to market researcher Wink. The top five carriers in the segment were National Life Group, with a 14.4% share, followed by Transamerica, Pacific Life, John Hancock and Nationwide. Click HERE to read the full story via Life Annuity Specialist

    Big-City Insurers Could Poach Midwest Workers in Remote Work Era

    {December 13th, 2022} by Aaron Smith

    “Des Moines enjoys a very good standard of living because of the insurance sector,” said Sheryl Moore CEO of Moore Market Intelligence and the publisher of Wink’s Sales & Market Report. Her firm’s office is in Des Moines. “Our insurance jobs pay very competitively. Click HERE to read the full story via Life Annuity Specialist.        Wink’s Note: […]

    Did you miss the life sales report release?

    {December 13th, 2022} by Wink's Intel Pros

    In case you missed it, Wink release 3rd Quarter, 2022 life insurance sales. Click HERE to view the news release. 

    The perfect gift for a spreadsheeting master

    {December 12th, 2022} by Sheryl J. Moore

    “If time is money, then this gift is priceless – decorate your tree this season with Excel” – Morning Brew Store

    Clickbait: Indexed Annuities: What Investors Need to Know

    {December 12th, 2022} by SmartAsset

    Someone sent me this article, Indexed Annuities: What Investors Need to Know on Yahoo Finance, from SmartAsset. It is about indexed annuities, and as usual, it has a bunch of inaccuracies in it. I won’t waste my time fact-checking it, as it is clickbait. I also won’t waste my breath because I understand that Ken Fisher […]

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

    {December 6th, 2022} by Wink's Press Release

    — FOR IMMEDIATE DISTRIBUTION —  NEWS RELEASE NON-VARIABLE LIFE INSURANCE SALES FALL Wink, Inc. Releases Third Quarter, 2022 Life Sales Results Des Moines, Iowa. December 1st, 2022– Wink, Inc. released the third quarter, 2022 life sales results in its 101st edition of Wink’s Sales & Market Report. Wink’s Sales & Market Report is the insurance […]


    {December 6th, 2022} by Sheryl J. Moore

    Non-Variable UL Sales for the third quarter of 2022 were $766 million, compared with sales of $717 million for the third quarter of 2021. Third quarter non-variable life sales were down nearly 3% when compared to the previous quarter and up nearly 7% as compared to the same period last year. Non-variable universal life (UL) […]

    Indexed life sales lead the way in strong third quarter, Wink reports

    {December 6th, 2022} by Staff Reports

    Indexed life insurance continues to drive growth, despite regulation pressures and other disruptions, according to the latest Wink’s Sales & Market Report. Indexed life sales for the third quarter were $670.7 million, down 2.1% when compared with the previous quarter, and up 11.3% as compared to the same period last year. Indexed life sales include […]

    Pandemic retirements likely speeded up annuity payouts, data shows

    {December 6th, 2022} by John Hilton

    Annuity payments increased 7.4% in 2021, possibly due to lingering fallout from the COVID-19 pandemic. The American Council of Life Insurers compiled extensive data on life insurance and annuity sales, industry rankings and other data in its 2022 ACLI Life Insurers Fact Book released this week. Life insurance companies paid $100 billion to beneficiaries of life […]

    DOL: No date scheduled to release fiduciary advice rule

    {December 6th, 2022} by John Hilton

    The Department of Labor has no confirmed date to release its highly anticipated fiduciary rewrite, a spokesman said today. Anticipation spiked following a Nov. 23 report that the department was preparing to publish the new rule as early as this week. Industry insiders say privately they will be surprised if the rule is made public before early […]

    A way to advertise more attractive benefits in the early years?

    {December 6th, 2022} by Sheryl J. Moore

    Wink, Inc.‘s AnnuitySpecs tool houses product information on what Jim Wagner from Protective Life refers to as “high/low” riders in the article, Variable Annuities: What’s In and What’s Out.  These are riders, where when the benefit base value is exhausted, the guaranteed withdrawal payments are reduced. I’ve never understood the market application for such riders. I’m sure the […]

    10 Top Annuity Bills of 2022, So Far

    {December 6th, 2022} by Allison Bell

    Members of Congress have not moved much new annuity-related legislation through their pipes so far this year. Lawmakers have introduced 42 stand-alone bills that mention annuities, at least in passing, since Jan. 1, but they have advanced just three of the bills through a committee, and none to the House or Senate floor, according to a search […]

    Sales % of Change: Life Insurance

    {December 6th, 2022} by Sheryl J. Moore

    Line of Biz: Sales % Change Over: Last Quarter / This Quarter, Last Year >Non-Variable Universal Life: $766.81 M   -2.97% / 6.88% >>Universal Life: $96.09 M   -8.27% / -16.66% >>Indexed Life: $670.72 M   -2.16% / 11.34% Whole Life: $1.10 B   -0.39% / -0.13%   -sjm

    David Reynolds Joins CUNA Mutual Group Annuities As Divisional Sales Director

    {December 6th, 2022} by CUNA Mutual Group

     MADISON, WI, November 30, 2022 /24-7PressRelease/ — CUNA Mutual Group annuities is pleased to announce that David Reynolds, CRPC® has started in the role of divisional sales director – South. In his new role, Reynolds will be responsible for leading the efforts of helping the CUNA Mutual Group annuities’ wholesaling team connect with more financial advisors. Reynolds […]

    That is literally EVERY single annuity ever developed! I’m not kidding.

    {December 6th, 2022} by Sheryl J. Moore

    Oh, Brett Arends, you had me at “higher-fee annuity products.” I expect more from MarketWatch in the article, While stocks and bonds plunge, sales of these ‘safe’ investments are booming. Annuities are not a “kind of hybrid of insurance and investment.” They are insurance. Period. “The cost [of annuities] comes in the form of lower returns.” Of […]

    Annuities cast a light when things seem dim

    {December 6th, 2022} by Jim Poolman

    Several factors, including gross domestic product, unemployment and inflation, affect the strength of the U.S. economy. Although the economy is strong, the market has been experiencing the highest inflationary rates in 40 years. Combating high inflation requires increasing interest rates, encouraging people and businesses to borrow and spend less.  Click HERE to read the full story […]

    It might be time to MOVE IT!

    {December 6th, 2022} by Sheryl J. Moore

    I bought a five-year MYGA five years ago. I just received the renewal notice, and it will be renewing at a rate that it a good 2.50% less than what I can get on a new business 5-year MYGA. Be checking your clients’ renewal statements, folks! If they don’t need access to the money, it […]

    NC regulators throw cold water on Lindberg deal to sell insurers

    {December 6th, 2022} by John Hilton

    Disgraced billionaire Greg Lindberg is welcome to come up with plans to make policyholders of his insurance companies whole again, but state regulators will control the process, said a spokesman for the North Carolina Department of Insurance. Regulators reacted today to a surprise announcement from Lindberg that he has a stock deal to sell his four insurers […]

    Simplicity Welcomes Triton Brokerage to the Group and Adds Bob Ogurcak and Matt Woodson to its Partnership

    {December 6th, 2022} by Simplicity Group

    SUMMIT, N.J., Nov. 29, 2022 /PRNewswire/ — Simplicity Group (“Simplicity”) today announced the acquisition of Triton Brokerage Group (“Triton”). Founded by industry veterans, Bob Ogurcak and Matt Woodson, both of whom become Simplicity Partners following the transaction, Triton is a national distributor of annuity products, life, long-term care, and disability insurance. Triton is the 47th company to join the Simplicity partnership. […]

    Transamerica Appoints Todd Buchanan President of World Financial Group and Head of Transamerica Financial Advisors

    {December 6th, 2022} by Transamerica

    BALTIMORE, Nov. 29, 2022 /PRNewswire/ — Transamerica announces today that Todd Buchanan is appointed President of World Financial Group Insurance Agency, LLC (WFG), Senior Vice President at Transamerica, and head of Transamerica Financial Advisors, Inc. (TFA). He reports to Jamie Ohl, President of Transamerica’s Individual Solutions division. Todd Buchanan leads WFG’s vast team of nearly 60,000 independent insurance agents and oversees TFA’s […]

    Greg Lindberg Announces Sale of His North Carolina Insurers For $307 Million

    {December 6th, 2022} by Greg Lindberg

    DURHAM, N.C., Dec. 5, 2022 /PRNewswire/ — A binding stock purchase agreement for the sale of all of Greg Lindberg’s North Carolina insurance companies was signed on Friday, Lindberg reports. The sale of stock by GBIG Capital, LLC to Universal Financial Holdings, LLC will allow all four of Lindberg’s North Carolina insurance companies to exit rehabilitation and will allow policyholders to access […]

    Fidelity National Financial Completes Planned Transaction to Distribute Approximately 15% Ownership of F&G to FNF Shareholders

    {December 5th, 2022} by Fidelity National Financial, Inc.

    JACKSONVILLE, Fla., Dec. 1, 2022 /PRNewswire/ — Fidelity National Financial, Inc. (NYSE: FNF) (“FNF” or the “Company”), a leading provider of title insurance and transaction services to the real estate and mortgage industries and a leading provider of insurance solutions serving retail annuity and life customers and institutional clients through FNF’s subsidiary, F&G Annuities & Life, Inc. (“F&G”), […]

    Jackson Sponsors 23rd Annual Chicago Polar Plunge

    {December 5th, 2022} by Jackson National Life Insurance Company

    CHICAGO–(BUSINESS WIRE)–Jackson National Life Insurance Company (Jackson®), the main operating subsidiary of Jackson Financial Inc. (NYSE: JXN), announced it will serve as the presenting sponsor of the 2023 Chicago Polar Plunge, the largest polar plunge in the Midwest, with over 4,000 participants annually. All proceeds from the event will help fund year-round activities, events, transportation, uniforms and […]

    AM Best Affirms Credit Ratings of Nationwide Mutual Insurance Company and Its Key Operating Subsidiaries

    {December 5th, 2022} by Nationwide

    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 members of Nationwide Group (Nationwide). Concurrently, AM Best has affirmed the FSR of A+ (Superior) and the Long-Term ICRs of “aa-” (Superior) of Nationwide Life Insurance Company and its […]

    The Standard Closes on Acquisition of Securian Financial’s Retirement Plan Recordkeeping Business

    {December 5th, 2022} by The Standard and Securian Financial

        PORTLAND, Ore. & ST. PAUL, Minn.–(BUSINESS WIRE)–Standard Insurance Company (“The Standard”) and Securian Financial Group, Inc. (“Securian Financial”) today announced the closing of the acquisition of Securian Financial’s retirement plan recordkeeping business by The Standard, in accordance with the terms of the agreement reported on Oct. 18, 2022.  “This transaction brings together two […]

    American Equity to Hold Investor Symposium on Wednesday, December 7, 2022

    {December 5th, 2022} by American Equity Investment Life Holding Company

    WEST DES MOINES, Iowa–(BUSINESS WIRE)–American Equity Investment Life Holding Company (“American Equity”) (NYSE: AEL), a leading provider of financial dignity solutions through general account annuities, is pleased to announce that it will be holding an “Investor Symposium” on December 7, 2022 from 3:00 pm to 5:00 pm ET. Speakers will include Anant Bhalla, Chief Executive […]

    401(k) Plans Are Coming for Your Rollovers

    {December 5th, 2022} by John Manganaro

    Back in late December of 2019, then-President Donald Trump signed the Setting Every Community Up for Retirement Enhancement Act into law. The bipartisan legislation, known more commonly as the Secure Act, had been in the works for several years and included many provisions. According to Michelle Richter, executive director of the Institutional Retirement Income Council, among […]

    When Accelerated Life Insurance Underwriting Makes Sense

    {December 5th, 2022} by Catie Muccigrosso

    Accelerated underwriting, or a AU, as a fluidless alternative to traditional full life insurance underwriting, can speed the insurance process and provide better coverage and pricing options for applicants. This evolving approach applies applicant data in a mortality-neutral way, acting as a proxy for paramedical visits and lab work necessary in full underwriting. Click HERE […]

    Indexed Life Insurance Sales Beat Q3 Sales Doldrums

    {December 5th, 2022} by Allison Bell

    The third quarter was a better quarter for sales of indexed life insurance than for other forms of non-variable cash-value life insurance, according to new life sales survey data from Wink. Annualized premiums from sales of indexed life insurance increased more than 10%, but sales of whole life insurance and traditional fixed universal life insurance […]

    Immediate Annuity Shoppers Look for 13% More Income: Cannex

    {December 5th, 2022} by Allison Bell

    U.S. residents who were shopping for immediate annuities in the third quarter were looking for 13% more income than they were when they conducted similar searches in the third quarter of 2021. Although the average income sought increased 13%, the average proposed premium increased just 5.2% from the average figure included in the queries processed […]

    Annuity And Life Solutions For RIAs

    {December 5th, 2022} by Charles Arnold

    The number of registered investment advisors, or RIAs, in the industry continues to grow along with the percentage of overall assets they manage. As they become more relevant, so does the attractiveness of their business model for many financial professionals currently at broker-dealers and wirehouses. Click HERE to read the full story via Broker World


    {December 5th, 2022} by Broker World

    LIBRA Insurance Partners and Insurance Designers of America, LLC (IDA) announce the merger of the two organizations, creating the largest independently owned life insurance marketing organization (IMO) in the United States. The combined company will operate under the LIBRA Insurance Partners (LIBRA) brand. Click HERE to read the full story via Broker World


    {December 5th, 2022} by Broker World

    The Life Insurance Direct Marketing Association (LIDMA) awarded Denis Clifford, senior vice president and chief distribution officer at The Savings Bank Mutual Life Insurance Company of Massachusetts (SBLI), the 2022 LIDMA Vision Award. The presentation took place at LIDMA’s 19th Annual Fall Meeting and Showcase in Manhattan Beach, CA. Click HERE to read the full story […]

    GLWBs, Step-Ups, And Other Random Annuity Thoughts

    {December 5th, 2022} by Charlie Gipple

    A few weeks ago I was preparing an indexed annuity illustration for one of our agents who had a client that wanted guaranteed lifetime income. So, I was running one of my favorite indexed annuities with the GLWB rider. As I looked at the printout, I came across something that I hadn’t seen in years. […]

    Consumer Focus From Wellness Apps To Digital Life Sales

    {December 5th, 2022} by Ken Leibow

    Last month saw the release of the Global Consumer Study, new research carried out on consumers across the world and their attitudes towards insurance. 12,728 people from 22 global markets were asked about a range of topics, including: Buying and claiming insurance, purchase triggers, causes of stress, road and cyber insurance, mental and physical health and […]

    Expect the MYGA, indexed annuity boom into next year, Moore says

    {December 5th, 2022} by Steven A. Morelli

    Expect a blazing fourth quarter and 2023 for multiyear guaranteed and indexed annuities and a bumpy ride for variable annuities and its hybrid offspring, structured annuities. Those were a few observations from Sheryl Moore, CEO of Wink Inc. and Moore Market Intelligence, after third quarter results showed banner performance for FIAs and MYGAs in particular. […]

    Citizens to Offer ‘White Label’ Life Insurance to Widen Distribution

    {December 5th, 2022} by Cyril Tuohy

    Insurance holding company Citizens wants to broaden its distribution by selling life and final expense coverage under the brand of a South Carolina-based agency.   Click HERE to read the full story via Life Annuity Specialist    In the second quarter, 56.5% of whole life sales were for policies where the primary focus was final expense, according […]

    20 Biggest Life Insurance Companies in the US

    {December 5th, 2022} by Ramish Cheema

    In this piece, we will take a look at the 20 biggest life insurance companies in the U.S. For more companies, head on over to 5 Biggest Life Insurance Companies in the U.S. Even though one would suspect otherwise, insurance is one of the oldest industries in the world. Humans have been conducting trade since […]

    The increasing demand for standards of care in the sale of life insurance: ‘Back to the Future’

    {December 5th, 2022} by Richard Weber

    It’s 10 p.m.; do you know where your policies are? In 2020 alone, $3.33 trillion of death benefit was sold, although there is an anecdotal sense that as much as 50% of those sales was policy replacements rather than entirely new benefits. It’s also worth noting that 2020 sales were achieved in an industry in […]

    What you may have missed last week

    {November 29th, 2022} by Wink's Intel Pros

    Did you miss last week’s newsletter? Click HERE to check it out!  Top headlines:  Wink, Inc. Releases 3rd Quarter, 2022 Deferred Annuity Sales Results THIRD QUARTER 2022 ANNUITY SALES Time for the structured annuity? and more! 

    Indexed, Multiyear Guaranteed Annuity Sales Rise In Q3

    {November 29th, 2022} by Karen Demasters

    Sales for annuities were a mixed bag for the third quarter of 2022, but multiyear guaranteed annuities and indexed annuities saw remarkable gains, according to a report by Wink, Inc., an insurance industry data reporting organization based in Des Moines, Iowa. Total third quarter sales for all deferred annuities were $72.4 billion, a decrease of […]

    Wink’s Demo on AnnuitySpecs’ First-of-Its-Kind Documents Library Resource

    {November 29th, 2022} by Wink's Intel Pros

    Introducing Wink’s demo on Product Information, our library with the documents resource available in the AnnuitySpecs analysis tool, and how it can be useful to you. In addition to the product and rider specifications and the strategies/subaccounts, our documents resource includes the regulatory materials (policy filings, prospectus), marketing materials (client brochures), and the companies’ rates/states […]

    Wolters Kluwer identifies top compliance challenges for U.S. insurers

    {November 29th, 2022} by Wolters Kluwer GRC

    BOSTON–(BUSINESS WIRE)–The U.S. insurance industry’s top market conduct compliance challenges continue to relate to various claims handling requirements, including timeliness, required disclosures, along with payments and grievance and appeal processes—as well as underwriting, rating, marketing and producer requirements. This annual, comprehensive review by Wolters Kluwer Compliance Solutions of U.S. insurers’ market conduct enforcement actions is based on […]

    Indexed products headline strong 3Q annuity sales, Wink reports

    {November 28th, 2022} by Staff Reports

    Third-quarter sales of deferred annuities soared nearly 21% over the year-ago quarter, according to Wink’s Sales & Market Report. All deferred annuities include the variable annuity, structured annuity, indexed annuity, traditional fixed annuity, and MYGA product lines. Indexed products led the way, said Sheryl Moore, CEO of both Wink, Inc. and Moore Market Intelligence. Click […]

    Athene, NY Life, MassMutual Sales Leaders in Fixed-Rate Segment in 3Q

    {November 28th, 2022} by Cyril Tuohy

    “Multi-year guaranteed annuity sales killed it this quarter,” said Sheryl Moore, CEO of Wink, publisher of Wink’s Sales & Market Report, in a news release. With three-year, fixed-rate annuities paying out nearly three times what they were in the first quarter, the stellar sales results should come as no surprise, she added. Click HERE to read the full […]

    Recent State Fiduciary and Best Interest Developments

    {November 28th, 2022} by Faegre Drinker Biddle & Reath LLP

    To date, 27 states have adopted rules that follow the Suitability in Annuity Transactions Model Regulation issued by the National Association of Insurance Commissioners (NAIC). Recent additions reflected in the following State Fiduciary and Best Interest Development chart include: Hawaii, Maryland, Minnesota, North Carolina, South Carolina, South Dakota and Wisconsin. Also, the chart reflects the […]

    What’s fueling the Great Annuity Boom?

    {November 28th, 2022} by Nathan Place

    Amid the bear market and persistent inflation, it’s been a tough year for 401(k)s and other defined-contribution retirement plans. For annuities, on the other hand, business is booming. In the summer of 2022, annuities — insurance products that provide a pension-like income in retirement — continued a historic winning streak Click HERE to read the […]

    FAs Weigh In: How Can Advisors Refresh Retirement Seminars?

    {November 28th, 2022} by Emily Dattilo

    FA-IQ reached out to advisors to ask: How can advisors think about retirement seminars differently, in an actionable way? Jerry Davidse is the chief executive officer of Presilium Private Wealth, based in Radnor, Pennsylvania. He has been in the financial services industry 21 years, and manages $300 million in client assets. We are creating a variety of short, […]

    Withdrawals Surge at MassMutual as Policyholders Contend with Inflation

    {November 28th, 2022} by Aaron Smith

    “That information would seem to suggest that consumers are not cashing out their policies, in order to take advantage of improved interest rates on new policies,” said Sheryl Moore, chief executive officer of Moore Market Intelligence and the publisher of Wink’s Sales & Market Report. She said this activity could apply to cash value life insurance policies like universal […]

    Consumers initiating life insurance purchases at record rate, study finds

    {November 28th, 2022} by Doug Bailey

    The old aphorism that life insurance is sold and not bought has been turned on its head partly as a result of pandemic-influenced buying habits and partly because of the technological ease with which policies can now be purchased. This is according to a new J.D.Power study of the life insurance business that found customers […]

    Best’s Market Segment Report: AM Best Maintains Stable Outlook on U.S. Life/Annuity Industry

    {November 28th, 2022} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best is maintaining a stable market segment outlook on the U.S. life/annuity insurance industry for 2023, citing factors that include favorable earnings, strong liquidity profiles and strong levels of risk-adjusted capitalization among carriers. In its new Best’s Market Segment Report, “Market Segment Outlook: U.S. Life/Annuity,” AM Best states that macroeconomic challenges such as inflation […]

    Should the DOL Limit Annuity Sales Commissions?

    {November 28th, 2022} by Robert Bloink and William H. Byrnes

    The Department of Labor (DOL) fiduciary standard that applies to financial advisors who offer investment advice and sell financial products to their clients has been changed multiple times in recent years under various administrations. Under the Biden administration, recent proposals would focus on commissions that are received by financial advisors who sell annuities to their clients. Some of those […]

    Some Clients Said ‘No Thanks’ to Traditional Variable Annuities in Q3

    {November 28th, 2022} by Allison Bell

    Stock market volatility hurt sales of traditional variable annuities in the third quarter but helped sales of non-variable annuities, according to new annuity issuer sales survey data from Wink. Sheryl Moore, the CEO of Wink, said rising interest rates made multi-year guaranteed annuities, or MYGA contracts, especially popular. Click HERE to read the full story […]

    Life-Insurance Payouts Hit Record $100 Billion in 2021

    {November 28th, 2022} by Leslie Scism

    U.S. life insurers paid a record $100 billion in 2021 in death benefits, fueled by another year of Covid-19 deaths, an industry trade group said. Payouts rose 11% in 2021 to $100.19 billion, most likely due to the pandemic, according to the American Council of Life Insurers. The increase was on the heels of a 15% […]

    What to Know About RMDs and Retirement Planning

    {November 28th, 2022} by Glenn Ruffenach

    They are, as a rule, among the more unexciting words in the English language: required minimum distributions. Today, though, RMDs—the annual withdrawals that many people, starting in their early 70s, must take from their nest eggs—are generating a surprising amount of noise and anxiety among retirees and financial advisers. Click HERE to read the full […]

    Short-Term Investments to Protect Against Inflation and Market Volatility

    {November 28th, 2022} by Bradley Rosen

    Concerns about rising inflation, interest rates and global geopolitical uncertainty might have you feeling uneasy about your money. Are your retirement savings protected in the event of a stock market crash or prolonged economic downturn? Believe it or not, there are some lesser-known short-term investments that can increase reward and decrease risk to safely grow […]

    Lawsuit Reveals the Big Money, Competitive World of Life Insurance Agents

    {November 28th, 2022} by Arthur D. Postal

    A fired New York Life agent who lost an arbitration case says he shouldn’t have to pay the insurer’s legal fees and expenses. Dustin Aiguier, a former agent of the year at New York Life, wants the September 6 award by the American Arbitration Association to be thrown out, according to a lawsuit filed last […]

    Societal Headwinds Are Undermining Women’s Retirement Security

    {November 28th, 2022} by Transamerica Center for Retirement Studies

    LOS ANGELES, Nov. 17, 2022 /PRNewswire/ — More than four in 10 working women (41 percent) expect to retire at age 70 or older or do not plan to retire, according to Emerging from the COVID-19 Pandemic: Women’s Health, Money, and Retirement Preparations, a study released today by nonprofit Transamerica Center for Retirement Studies® (TCRS) in collaboration with Transamerica […]

    Our best wishes for a Happy Thanksgiving

    {November 23rd, 2022} by Sheryl J. Moore and Wink's Intel Pros

        Our thoughts turn to you with warm appreciation at this time of Thanksgiving.     The Wink offices will be closed on Thursday and Friday for an extended holiday celebration with our family and friends.        Our best wishes for a Happy Thanksgiving!    -The Wink, Inc family   


    {November 22nd, 2022} by Sheryl J. Moore

    Deferred Annuity Sales Total 3Q2022 deferred annuity sales were $72,438 million, compared with sales of $59,889 million for the third quarter of 2021. Third quarter deferred annuity sales were down less than 1% when compared to the previous quarter and up nearly 21% when compared to the same period last year. Deferred annuities include sales […]

    Wink, Inc. Releases 3rd Quarter, 2022 Deferred Annuity Sales Results

    {November 22nd, 2022} by Wink's Press Release

    –– FOR IMMEDIATE DISTRIBUTION —   NEWS RELEASE   MULTI-YEAR GUARANTEED AND INDEXED ANNUITY SALES SOAR TO SET RECORDS   Wink, Inc. Releases 3rd Quarter, 2022 Deferred Annuity Sales Results Des Moines, Iowa. November 22, 2022– Wink’s Sales & Market Report, the insurance industry’s #1 resource for annuity sales data since 1997 released its 101st […]

    AM Best Places Credit Ratings of Delaware Life Insurance Company of New York Under Review With Negative Implications

    {November 22nd, 2022} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has placed under review with negative implications the Financial Strength Rating of A- (Excellent) and the Long-Term Issuer Credit Rating of “a-” (Excellent) of Delaware Life Insurance Company of New York (DLNY) (New York, NY). DLNY is being placed under review with negative implications following its announced sale to Nassau Financial Group, […]

    AM Best Comments on Credit Ratings of Nassau Financial Group, L.P.’s Insurance Subsidiaries Following Announcement of Delaware Life Insurance Company of New York Acquisition

    {November 22nd, 2022} by AM Best

    OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has commented that the Credit Ratings (ratings) of The Nassau Companies of New York, Inc. and its insurance subsidiaries, Nassau Life Insurance Company (New York, NY), Nassau Life and Annuity Company (Hartford, CT) and Nassau Life Insurance Company of Kansas (Overland Park, KS) (collectively referred to as the Nassau Insurance Group [Nassau]), […]

    Fidelity National Financial Announces “When-Issued” Trading Of Subsidiary F&G Annuities & Life, Inc. In Connection With Planned Partial Spin-Off

    {November 22nd, 2022} by Fidelity National Financial, Inc.; F&G Annuities & Life, Inc.

    JACKSONVILLE, Fla., Nov. 21, 2022 /PRNewswire/ — Fidelity National Financial, Inc. (NYSE: FNF) (“FNF” or the “Company”), a leading provider of title insurance and transaction services to the real estate and mortgage industries and a leading provider of insurance solutions serving retail annuity and life customers and institutional clients through FNF’s wholly-owned subsidiary, F&G Annuities & Life, Inc. […]

    Nassau Financial Group to Acquire Delaware Life Insurance Company of New York

    {November 22nd, 2022} by Nassau

    Transaction adds scale as Nassau expands its New York insurance business Nassau Financial Group, L.P. (“Nassau”) today announced that it has entered into a definitive agreement for its subsidiary, Nassau Life Insurance Company (“NNY”), to acquire Delaware Life Insurance Company of New York (“DLNY”) from Delaware Life Insurance Company (“Delaware Life”). NNY and DLNY are […]

    NC judge puts Greg Lindberg insurance companies into liquidation

    {November 22nd, 2022} by John Hilton

    A North Carolina Superior Court judge placed two financially impaired insurance companies once led by disgraced billionaire Greg Lindberg into liquidation Monday.   The Wake County Superior Court order places Colorado Bankers Life Insurance Co. and Bankers Life Insurance Co. into liquidation. In issuing the order, Judge Graham Shirley granted a Nov. 1 request made […]

    Assured Allies Launches NeverStop, Creating a New Era of Successful Aging for the Growing, Wellness-Motivated 55+ Market

    {November 22nd, 2022} by Assured Allies

    BOSTON and TEL AVIV, November 15, 2022 – Assured Allies, creators of the first successful aging platform through evidence-based interventions, today announced the launch of NeverStop, a science-backed wellness program designed to create the next generation of long-term care (LTC) insurance that delivers benefits to individuals, their families and insurance carriers.  The innovative wellness program uses data and […]

    12 Best & Worst Broker-Dealers: Q3 Earnings, 2022

    {November 22nd, 2022} by Janet Levaux

    This quarter, only three of the 12 broker-dealers tracked each quarter by ThinkAdvisor reported positive year-over year growth in their profits and earnings per share — down from four BDs in the second quarter of 2022. In the third quarter, the S&P 500 declined 5.3 versus a drop of 16.1% in the second quarter of 2022. […]

    S&P Expects More Big Life Insurer ‘Assumption Unlocking’ Charges

    {November 22nd, 2022} by Allison Bell

    More life insurers could soon announce the kinds of big, “non-cash” charges that Lincoln Financial and Prudential Financial put in their earnings for the third quarter, an S&P Global Ratings analyst said today. Carmi Margalit, the life insurance sector lead at S&P Global, predicted that the charges will make earnings reports based on publicly traded […]

    Time for the structured annuity?

    {November 22nd, 2022} by Sheryl J. Moore

    Variable Annuity sales are down nearly 16% from last quarter and down nearly 38% from this time last year. I wonder how many of the carriers that have yet to develop structured annuities are thinking about it now? -sjm

    Sales Percentage Change Over: Last Quarter / This Quarter, Last Year

    {November 22nd, 2022} by Sheryl J. Moore

    THIRD QUARTER ANNUITY SALES Sales Percentage Change Over: Last Quarter / This Quarter, Last Year >All Deferred Annuities: $72.43 B   -0.41% / 20.95% >>Non-Variable Deferred Annuities: $48.84 B   5.57% / 67.18% >>>Indexed Annuities: $20.97 B   6.98% / 20.97% >>>Fixed Annuities: $451.60 M   -6.82% / 25.18% >>>Multi-Year Guaranteed Annuities: $27.41 B   […]

    Life Insurnace with living benefits and extended care protection

    {November 22nd, 2022} by Kelly Augspurger

    Sheryl J. Moore and Kelly Augspurger in this episode of Steadfast Care Planning podcast

    I, along with the NCF, appreciate your help!

    {November 22nd, 2022} by Sheryl J. Moore

    This year, the NAILBA CHARITABLE FOUNDATION (NCF) was able to provide grants to a record 51 children’s charities, resulting in contributions that totaled $180,000 this year! If you need a tax break, there has never been a better time to make a contribution to NCF! I need to find at least three organizations that are willing to […]

    5 Top Life and Annuity Q3 Strength Indicators

    {November 22nd, 2022} by ThinkAdvisor

    Sometimes, helpful economic conditions make most big, publicly traded life and annuity issuers move in sync. After those quarters, most or all issuers report higher net income on higher revenue. In the third quarter of this year, which ended Sept. 30, different strategies produced noticeably different results. Click HERE to read the full story and view […]

    Prudential launches ‘Now What?’ campaign, defying industry norms using moments of hope instead of fear

    {November 22nd, 2022} by Prudential Financial, Inc.

    NEWARK, N.J.–(BUSINESS WIRE)–Prudential Financial, Inc. (NYSE: PRU) is launching Now What? — a new advertising campaign with a unique twist that distinguishes the brand from competitors by encouraging consumers to use uplifting moments to secure their financial future. Now What? advances Prudential’s purpose to make lives better, particularly as pandemic recovery continues and economic uncertainty remains. Now […]

    DPL partners with Corebridge Financial to bring advisory annuity solutions to the RIA community

    {November 22nd, 2022} by DPL Financial Partners

    LOUISVILLE, Ky.–(BUSINESS WIRE)–DPL Financial Partners, the leading insurance platform for registered investment advisors (RIAs), today announced the addition of Corebridge Financial to its carrier lineup with two commission-free Corebridge annuity products geared to fee-only advisors. Corebridge, formerly AIG Life & Retirement, is one of the largest providers of retirement solutions and insurance products in the […]

    New York Life Declares Largest Dividend in Company History With $2.0 Billion Total Payout Expected In 2023

    {November 22nd, 2022} by New York Life

    NEW YORK–(BUSINESS WIRE)–New York Life, America’s largest1 mutual life insurer, today announced that the company has declared a record dividend payout of $2.0 billion expected to be paid to eligible participating policy owners in 2023. Declaring a dividend for the 169th consecutive year underscores the company’s commitment to financial strength, mutuality, and delivering ongoing value to policy owners. […]

    Corebridge Financial Introduces Dimensional Index Designed Exclusively for The Power Series of Index Annuities

    {November 22nd, 2022} by Corebridge Financial, Inc

    HOUSTON–(BUSINESS WIRE)–Corebridge Financial today announced the introduction of the Dimensional US Foundations Index, an index created by Dimensional Fund Advisors for use exclusively in The Power Series of Index Annuities®, Corebridge’s family of fixed index annuities. Dimensional Fund Advisors, a leading global asset management firm, applies a scientific rigor to investment solutions by drawing upon […]

    AM Best Affirms Credit Ratings of Securian Financial Group and Its Subsidiaries

    {November 22nd, 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 ICR) of “aa” (Superior) of Minnesota Life Insurance Company and its subsidiary, Securian Life Insurance Company, together referred to as Securian Financial Insurance Group (Securian). AM Best also has affirmed the FSR of A (Excellent) […]

    Life insurance sales continue to backslide from pandemic highs, study finds

    {November 22nd, 2022} by John Hilton

    DALLAS – Life insurance sales trends are cooling off from the COVID-19 pandemic sales bump. The question for the industry is how to stop the slide. “When you start looking at ’22 results, all have that gain that we saw in ’21 has been given back,” said David Levenson, president and CEO, LIMRA, LOMA and […]

    The Case for Annuities in Today’s Market

    {November 22nd, 2022} by Robert Heubscher

    Financial Professionals and their clients need to manage pressures they have not seen for 20 years: market volatility, inflation, rising interest rates and potentially higher taxes. With fixed income potentially not holding up as a low-risk part of the portfolio, it may be time to look at other strategies to help clients protect their portfolios. […]

    Introducing Protected Lifetime Income Benefits (PLIBs): Part 1

    {November 22nd, 2022} by David Blanchett

    Despite more than a half century of research detailing the potential value of guaranteed lifetime income products for retirees, sales of annuities, especially traditional products such as single premium immediate annuities (SPIAs), remain low. There are theories to explain why this “annuity puzzle” persists, but one notable barrier to annuitization is the irrevocable transfer of […]

    With New Hire, Pacific Life Sends ‘Strong Signal’ About Tech Strategy

    {November 22nd, 2022} by Aaron Smith

    Sheryl Moore, CEO of Moore Market Intelligence and publisher of Wink’s Sales & Market Report, said Pacific Life offers multi-year guaranteed fixed-rate annuities with rates that she described as “pretty competitive, relative to their peers.” She said she expects Pacific Life will eventually sell structured annuities, and it remains one of the top three sellers for indexed universal […]

    Athene Just Rocketed Into the Top Three for U.S. Annuity Sales

    {November 22nd, 2022} by Cyril Tuohy

    “Athene has been aggressive in their pursuit of competitive multiyear guaranteed annuity rates during the quarter,” Sheryl Moore, CEO of Wink, publisher of Wink’s Sales & Market Report, said in an email. Click HERE to read the full story via Life Annuity Specialist

    Symetra Debuts Indexed Life Insurance That Adjusts to Volatility

    {November 22nd, 2022} by Warren S. Hersch

    Symetra Life Insurance, an arm of Symetra Financial, has unveiled new indexed universal life insurance. Click HERE to read the full story via Life Annuity Specialist   ………………………………………………………….. National Life was the top seller during the April-June period, garnering a 13.9% market share, according to market research firm Wink. Transamerica, Pacific Life, Nationwide and Sammons Financial rounded out the top five carriers.

    DOL needs to get moving on its fiduciary rule, analyst says

    {November 22nd, 2022} by John Hilton

    The Department of Labor better not wait too long to publish its redefinition of “fiduciary,” a leading expert on retirement plan rulemaking said today. The DOL’s spring 2021 Regulatory Agenda confirmed that it will rewrite the definition of fiduciary. Ever since, the Employee Benefits Security Administration has likely been working on the rule update. Click […]

    Magic Johnson’s Firm Powers New Long-Term Care Effort

    {November 22nd, 2022} by Allison Bell

    Earvin “Magic” Johnson — an NBA Hall of Fame basketball legend — is helping an aging tech firm enter the long-term care benefits market. EquiTrust Life Insurance Company, a life insurer controlled by Johnson’s Magic Johnson Enterprises, teamed up with Assured Allies this week to introduce the Bridge annuity contract. Click HERE to read the […]

    Life Insurers Should Get Used to an Inflationary World: Fitch Economist

    {November 22nd, 2022} by Allison Bell

    Brian Coulton has looked at the economic weather for Fitch Ratings insurance analysts, and he sees interest rates staying high throughout 2023. The Chicago-based firm’s chief economist gave his forecast today, at a Fitch insurance conference in New York. Click HERE to read the full story via ThinkAdvisor

    Commonwealth Now Aiming for $1T in Assets

    {November 22nd, 2022} by Jeff Berman

    Commonwealth Financial Network has set a strategic goal of reaching $1 trillion in assets under management, the firm announced Thursday, noting that was one of three new major business growth initiatives disclosed to advisors at its annual National Conference earlier this month. The target is an aggressive one given that the RIA/broker-dealer said its more […]

    Fidelity National Financial to Acquire TitlePoint from Black Knight

    {November 22nd, 2022} by Fidelity National Financial, Inc.

    JACKSONVILLE, Fla., Nov. 18, 2022 /PRNewswire/ — Fidelity National Financial, Inc. (NYSE: FNF) (“FNF”), a leading provider of title insurance and transaction services to the real estate and mortgage industries and a leading provider of insurance solutions serving retail annuity and life customers and institutional clients through FNF’s wholly-owned subsidiary, F&G Annuities & Life, Inc. (“F&G”), today announced […]

    Fidelity National Financial Announces F&G Annuities & Life, Inc. Form 10 Registration Statement Declared Effective

    {November 22nd, 2022} by Fidelity National Financial, Inc.; F&G Annuities & Life, Inc.

    JACKSONVILLE, Fla., Nov. 18, 2022 /PRNewswire/ — Fidelity National Financial, Inc. (NYSE: FNF) (“FNF” or the “Company”), a leading provider of title insurance and transaction services to the real estate and mortgage industries and a leading provider of insurance solutions serving retail annuity and life customers and institutional clients through FNF’s wholly-owned subsidiary, F&G Annuities & Life, Inc. […]

    The Penn Mutual Life Insurance Company Announces Record Dividend Payout

    {November 22nd, 2022} by The Penn Mutual Life Insurance Company

    HORSHAM, Pa., Nov. 21, 2022 /PRNewswire/ — The Penn Mutual Life Insurance Company (Penn Mutual), a Fortune 1000 company, is pleased to announce that the company has maintained its dividend scale for 2023 and the Board of Trustees has approved a record $163 million payout to eligible policyholders in 2023. Dividends are a key measure of a mutual company’s […]

    Annuity sales stay torrid in Q3 with help from banks

    {November 22nd, 2022} by Gregg Greenberg

    The scorching hot demand for annuities didn’t cool off during the third quarter, and banks played a key role. Click HERE to read the full story via InvestmentNews

    8 New Stats on How Retirement Savers Have Fared in Rocky Markets

    {November 21st, 2022} by John Manganaro

    New data published Thursday by Fidelity Investments shows ongoing market swings and concerns about inflation continue to cause financial stress among retirement savers. According to Fidelity, the percentage of individuals with negative feelings about their finances (32%) is now greater than those who have positive feelings (30%). This is a stark contrast to just a year ago, when the […]

    U.S. Annuity Sales Could Reach All-Time High: Cerulli

    {November 21st, 2022} by Michael S. Fischer

    Annuity sales have been on a tear this year, largely because of the Federal Reserve interest rate hikes, which have allowed insurers to raise crediting rates on their fixed and indexed annuities, according to a new report from Cerulli Associates. The rate environment, coupled with difficult market and economic conditions, has led many advisors and […]

    Indexed Universal Life Insurance (IUL) Adapts to Inflation and High Interest Rates

    {November 21st, 2022} by Shoreview LLC

    Wink’s Note: I get annoyed when salespeople take out press releases on indexed annuities and indexed life, promoting them in this manner. It leads one to believe that these products are investments; which they are not. They are insurance products. Plus something else about this rubs me the wrong way…I just can’t put my finger […]

    TAMPs and fee-based annuities headline first day of RIA Summit 2022

    {November 21st, 2022} by Ryan W. Neal

    Outsourced investment management and fee-based annuities were the topics dominating the first day of InvestmentNews’ RIA Summit 2022, which kicked off Monday in Boston. Click HERE to read the full story via InvestmentNews

    Can ‘pure-play’ wealth manager Avantax compete with the giants?

    {November 21st, 2022} by Tobias Salinger

    Blucora’s move to spin off its online tax software arm in order to become a “pure-play” wealth management firm sets it on a collision course with the giants dominating the industry. The Dallas-based company will adopt the name of its wealth management arm, Avantax, after the close of its deal to sell TaxAct to a […]


    {November 21st, 2022} by NAIFA

    Josh O’Gara, CLU, ChFC, CFP, loyal member since 2011, spoke on behalf of NAIFA during a virtual roundtable discussion on Department of Labor’s proposed rule on Independent Contractor Classification Under the Fair Labor Standards Act. The event was held by the U.S. Small Business Administration’s Office of Advocacy to gather input from people and businesses […]

    Life Insurance Purchased on Perceived Value, Not Cost, J.D. Power Finds

    {November 20th, 2022} by J. D. Power

    TROY, Mich.–(BUSINESS WIRE)–That adage about a life insurance policy being sold and not bought needs to be updated for the post-pandemic era. In fact, customers are initiating the purchase of life insurance, but the key criteria for choosing which one to buy often involves much more than cost. According to the J.D. Power 2022 U.S. […]

    This WILL come back upon us.

    {November 15th, 2022} by Sheryl J. Moore

    I’m just going to throw this out there. Indexed annuity illustrated rates are out of control. These products are intended to “beat the bank,” not consistently return upward of 17%. Mark my words- this WILL come back upon us. Join in the lively conversation over on LinkedIn, click HERE. 

    McQueen Kalligan Insurance Services Joins AmeriLife & AIMCOR Group As First Affiliate Under New Joint Venture

    {November 15th, 2022} by AIMCOR Consolidated LLC (“ICON”)

    PAOLI, Penn. and CLEARWATER, Fla. | November 10, 2022 09:00 AM Eastern Standard Time AIMCOR Consolidated LLC (“ICON”), a joint venture between AIMCOR Group, LLC (“AIMCOR”) and AmeriLife Group, LLC (“AmeriLife”), announced today that it has acquired brokerage general agency McQueen Kalligan Insurance Services, Inc. Per the agreement, terms of the deal were not disclosed. “We’re very excited to officially join ICON […]

    Here’s why annuity sales are on the rise

    {November 15th, 2022} by Sheryl J. Moore

    AVERAGE FIXED ANNUITY RATES 2011: 2.77% 2012: 1.98% 2013: 2.49% 2014: 2.71% 2015: 2.68% 2016: 2.01% 2017: 2.06% 2018: 2.95% 2019: 2.72% 2020: 1.81% 2021: 1.71% Today: 4.25%

    They could create their own “Defined Benefit plan.”

    {November 15th, 2022} by Sheryl J. Moore

    Five reasons Americans are retiring later in life- When I was reading the 401(k) section, I just kept thinking to myself, “We need to establish some distribution, where when a worker separates from service at retirement, an advisor comes in to speak with them about annuities.” That way, they could create their own “Defined Benefit […]

    Fixed Annuities on a Tear in 2022

    {November 15th, 2022} by Brian Anderson

    Fixed annuities are having a moment, and they can thank rising interest rates for it. In a LinkedIn post today, Sheryl Moore, founder, creator and CEO of Wink, Inc., and Moore Market Intelligence, had a compelling chart culled from her WinkIntel’s AnnuitySpecs tool that offered a simple explanation. From her post: Here’s why annuity sales are on the […]

    ‘Quick fix’ concept for IUL illustrations advanced, with some dissent

    {November 15th, 2022} by John Hilton

    A state insurance regulator subgroup came up with a “quick fix” Wednesday to address faulty illustration problems within the Actuarial Guideline 49-A. Sort of. Members of the Indexed Universal Life Illustration subgroup ended a conference call with a nonbinding “straw poll” vote that favored a fix put forth by Securian Financial and Penn Mutual Life […]

    Annuity Issuer F&G Set to Go Public Dec. 1

    {November 15th, 2022} by Allison Bell

    A midsize annuity issuer — F&G Annuities & Life — could get its own listing on the New York Stock exchange Dec. 1. Fidelity National Financial, the publicly traded, Jacksonville, Florida-based title insurer that now owns F&G, announced Thursday that it will give F&G a separate identity by distributing 15% of F&G’s stock to investors […]

    Watch me jump out of my seat when Ramsey suggests that there is NEVER ANY reason to purchase a fixed annuity.

    {November 15th, 2022} by Sheryl J. Moore

    I’ve never really been a fan of Dave Ramsey. While I am not an avid listener of his show, the little experience that I have had with him is that he is in a position of power, and holding himself out to be an expert on things he is not. He also uses a lot […]