Posts Tagged ‘life insurance’



November 7th, 2018

Recent Thought Leadership from Guy Carpenter – Asia Pacific Focus

Posted at 1:00 AM ET

Here we present a recap of recent thought leadership from Guy Carpenter focusing on important insurance and reinsurance topics in Asia Pacific.

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October 30th, 2018

The Transformation of Australian and New Zealand life insurance - GC@SIRC Commentary

Posted at 8:00 PM ET

matthew_rose_01Matthew Rose, Managing Director

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  • Foreign companies are seeking the long-term growth opportunities that the Australian market offers
  • Insurers are gaining understanding of the significance of efficient and dynamic restructuring of their capital
  • Regular discussions ensure that covers are properly structured to reflect current risk/capital needs

Continue reading…

October 29th, 2018

Life: Emerging Competition and the Need to Remake the Reinsurance Relationship - GC@PCI Commentary

Posted at 9:00 AM ET

rains_david-5-2015-reduced-sizeDavid Rains, Managing Director

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  • Life reinsurance value prop a combination of risk capital, differentiated underwriting knowledge and value-added services
  • Availability of capital and insurers’ success in closing knowledge gap in underwriting reduce need to purchase risk protection
  • Reinsurers can position their InsurTech and advanced technologies to make advisory services a core deliverable

    Continue reading…

    August 27th, 2018

    The Life Insurance Industry Needs a Lifeline

    Posted at 1:00 AM ET

    johnwhitworth_oliverwJohn Whitworth, Partner, Oliver Wyman

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    The life insurance industry appears healthy enough with plenty of capital and booming sales. A quick look under the hood, however, and it becomes clear that the industry’s profitability has been declining for some time. Continue reading…

    December 14th, 2017

    Little-Used Retirement Option Gets a Big Boost: Part IV

    Posted at 1:00 AM ET

    rains_david-5-2015-sm5mparker-sm5David A. Rains, Managing Director and Healthcare and Life Specialty Leader and Michael R. Parker, Managing Director, Senior Business Development Broker

    It is likely that the enduring differentiators among companies selling variable annuities will be how they access customers and the experience they provide to customers. Rapidly concentrating market shares will favor insurers with modular product design and management, with clean components that can be separately capitalized or reinsured as needed to optimize capital usage.

    Continue reading…

    December 13th, 2017

    Little-Used Retirement Option Gets a Big Boost: Part III

    Posted at 1:00 AM ET

    rains_david-5-2015-sm4mparker-sm4David A. Rains, Managing Director and Healthcare and Life Specialty Leader and Michael R. Parker, Managing Director, Senior Business Development Broker

    Next generation products will soon arrive to deliver the guaranteed retirement solutions today’s workforce needs and which variable annuities with guaranteed minimum withdrawal benefits currently address, albeit in overly complicated products.

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    December 12th, 2017

    Little-Used Retirement Option Gets a Big Boost: Part II

    Posted at 1:00 AM ET

    rains_david-5-2015-sm3mparker-sm3David A. Rains, Managing Director and Healthcare and Life Specialty Leader and Michael R. Parker, Managing Director, Senior Business Development Broker

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    In the meantime, this complexity and the difficulty in explaining variable annuities to consumers has heavily slanted sales toward expensive, commission-based channels more comfortable with products that are “sold, not bought.” Yet, as has been the historic trend for other financial products and services, demand for simpler, more transparent annuity products that encourage value shopping will be essential in driving future growth. This should favor easy-to-understand, fee-based product designs that investors buy rather than commission-based products agents must sell.

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    December 11th, 2017

    Little-Used Retirement Option Gets a Big Boost: Part I

    Posted at 1:00 AM ET

    rains_david-5-2015-sm2mparker-sm2David A. Rains, Managing Director and Healthcare and Life Specialty Leader and Michael R. Parker, Managing Director, Senior Business Development Broker

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    With the erosion of defined benefit pension plans and uncertainty around the future of Social Security, the current workforce must find new ways to responsibly manage their income into and through retirement.

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    October 30th, 2017

    Little-Used Retirement Option Gets a Big Boost: Part IV

    Posted at 4:00 AM ET

    rains_david-5-2015-sm5mparker-sm5David A. Rains, Managing Director and Healthcare and Life Specialty Leader and Michael R. Parker, Managing Director, Senior Business Development Broker

    It is likely that the enduring differentiators among companies selling variable annuities will be how they access customers and the experience they provide to customers. Rapidly concentrating market shares will favor insurers with modular product design and management, with clean components that can be separately capitalized or reinsured as needed to optimize capital usage.

    Continue reading…