Insurance Insights, Trends & Tips

August 4, 2026

LIFE INSURANCE

The Policy Hasn’t Changed; the Company and Value May Have.

Ownership changes and reinsurance transactions have become common across the life and annuity industry.
Higher interest rates have improved product economics while also intensifying competition and strategic change.
The original issuing insurer generally remains legally responsible for policy obligations after a reinsurance transaction.

The Care Plan Can Fail Even When the Money Is There

Family caregivers increasingly absorb lost income, career disruption, emotional strain and care-coordination responsibilities.
Earlier detection and preventive health tools are moving long-term care planning further upstream.
A shrinking professional caregiver workforce could limit care access, including care for well-funded families.

A Retirement Balance Is Not the Same as a Retirement Paycheck

97% of surveyed owners said their annuity helped them worry less about running out of money.
88% said lifetime income eased concern about a stock-market downturn.
More than half said owning an annuity made them more comfortable spending from non-guaranteed assets.

Claim time is not the time to find out how good your disability coverage is

For working clients, future earnings may be one of the largest assets in the financial plan.
Employer coverage can leave material gaps because of benefit caps, taxable benefits and limited treatment of bonuses or incentive compensation.
Policy definitions and contract provisions determine whether a client actually receives benefits; the headline monthly benefit is only part of the analysis.