Industry Commentary

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#336 | The Return of Guaranteed UL?

Quick Take It's tempting to think that rising rates will necessarily result in the return of cheap Guaranteed UL, but reality is a bit more complex. Cheap Guaranteed UL still exists because some companies remained willing to price under the…

#327 | The Making of a Juggernaut – Integrity buys Annexus

This article is protected by copyright and the terms of this website. If you share it with non-subscribers without written permission from The Life Product Review, you will lose your subscription without a refund and will receive an invoice for…

#323 | The Real New Ohio National

Q2 Update - In Ohio National's Q2 statutory statement, they disclosed a $279 million dividend paid to the holding company owned by Constellation and undoubtedly fueled in part by Ohio National's increase in surplus after the sale of the participating…

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#321 | Midland National and the Legacy of Flat COIs

A subscriber reached out to tell me that a Midland National representative told him that the block referenced in this article was actually written by Clarica, which Midland acquired in 2003. This article is protected by copyright and the terms…

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#308 | The New Ohio National

Almost a year ago to the day, Ohio National announced that it had agreed to be acquired by Constellation, an insurance holding company backed by two Canadian pension plans and spearheaded by the former CEO of Prosperity Life. The response…

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#303 | Consolidated Distribution, Proprietary Products

I want to acknowledge that much of the information from this article comes from very helpful third-party sources. This topic isn’t exactly in my wheelhouse, but it’s getting to the point where I felt like I wanted to write about…

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#302 | An Imminent Mortality Disaster?

At the end of 2021, Scott Davison, CEO of OneAmerica, was on a virtual Indiana Chamber of Commerce news conference with other local CEOs discussing the impact of COVID on their businesses. Davison’s main point was to advocate for vaccinations…

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#301 | The Rise of Defined Outcome Funds

Since the creation of indexed insurance products in the mid-1990s, the core value proposition has always been index-linked downside protection with upside potential. As I was told by one prominent annuity distributor recently said: “we believe in insurance, sure, but…

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#298 | Malice – or Mechanics?

This is the last post of 2021. It's been a heck of a year - thanks for continuing to support The Life Product Review. Happy Holidays and a Merry New Year! I remember well when, several years ago, a spate…

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#296 | The Unstoppable Force and the Immovable Object

Over the past decade, the entire life insurance industry has been reshaped by falling and then persistently low interest rates and investment yields. Life insurers have exited the market, been sold, spun off and now, increasingly, parceled up and dumped…

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