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AG49 Proposed Revisions 

Wednesday, December 09, 2015
Rules governing life insurance illustration crediting rates, which are used to calculate premiums and death benefits, have been changed for certain product types. Actuarial Guideline 49 was adopted by the NAIC on June 18, 2015. Phase I (sections 4... read more >>
 

November 2015 Rating Downgrades/Watch-List 

Thursday, December 03, 2015
Fitch Ratings believes that the U.S. life insurance industry is more exposed to corporate credit risk than it was prior to the 2008-2009 financial crisis, according to a special report released November 10, 2015 on the downward shift in credit... read more >>
 

Life Insurance Industry Investments: The Search for Yield Runs Dry 

Friday, November 20, 2015
The Conning report annual in-depth analysis of life insurer assets and capital comes on the heels of another year (2014) of historically low interest rates and more recently increase to charges in life insurance inforce policies. “The quest for... read more >>
 

October 2015 Rating Downgrades/Watch-List 

Thursday, November 05, 2015
The US Department of the Treasury published their Annual Report on the Insurance Industry in pursuant to Section 502(a) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Wall Street Reform Act), which requires the FIO Director to... read more >>
 

Recent Cost Increase creates Planning Opportunities 

Thursday, October 22, 2015
National Estate Planning Awareness Week (H. Res. 1499) was adopted by Congress in 2008 to help individuals understand the importance of proper estate planning, created through the assistance of qualified professionals, including but not limited to,... read more >>
 

September 2015 Ratings Downgrades/Watch-List 

Thursday, October 08, 2015
Financial strength and claims-paying ability ratings of the insurer is one of the five factors of suitability.  The obvious reason being that insurance is most simply defined as an agreement for the payment of a premium today in exchange for payment ... read more >>
 

AXA to Increase COI costs in certain UL policies 

Thursday, October 01, 2015
AXA is the latest in the ever growing list of life insurance companies to announce an increase to costs of insurance rates. This increase will affect certain Athena Universal Life II (AUL II) policies starting in January 2016. AXA announced this... read more >>
 

VOYA Announces Increase in Costs 

Friday, September 18, 2015
VOYA announced an increase to costs affecting the policies of nine universal life products sold in late 1990s early 2000s. This increase will range from 9% to 42% depending on the product. VOYA announced this increase due to reinsurance rate hike... read more >>
 

August 2015 Rating Downgrades/Watch-List 

Thursday, September 03, 2015
Financial strength and claims-paying ability ratings of the insurer is one of the five factors of suitability.  The obvious reason being that insurance is most simply defined as an agreement for the payment of a premium today in exchange for payment ... read more >>
 

Life Insurance Best Practices Framework Author Testifies about New Fiduciary Rules 

Friday, August 28, 2015
Don Trone, author of LeaderMetrics and often referred to as the “Father of Fiduciary,” testified at a Department of Labor hearing on Thursday, August 13th, 2015. Trone told the DOL execs on the last day of Labor’s hearings that he opposed their plan ... read more >>
 
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