Posts Tagged ‘life’



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.

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October 26th, 2017

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

Posted at 4:00 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. The successful annuity writers of the future will:

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October 19th, 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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October 18th, 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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September 27th, 2016

Longevity Risk

Posted at 1:00 AM ET

The impacts to society from changes in longevity and life expectancy will be wide-ranging and incredibly difficult issues to grapple with. A 2012 International Monetary Fund (IMF) study revealed that if individuals lived three years longer than expected the cost of aging could increase by 50 percent. This translates to 50 percent of 2010 gross domestic product (GDP) in advanced economies and 25 percent of 2010 GDP in emerging economies. Globally that amounts to tens of trillions of US dollars. The United Nations expects the aggregate expenses of the elderly will double over the period between 2010 and 2050. The figure below shows the projected trend of rising life expectancy to continue in all regions of the globe regardless of economic advancement.

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August 23rd, 2016

Emerging Risks: Modeling Considerations Moving Forward: Part I

Posted at 1:00 AM ET

william-garland-smWill Garland, Managing Director

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Technological progress is accelerating at a rapid pace and with it are the risks and opportunities that accompany those changes in many different segments of our economy:

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April 28th, 2016

Emerging Risks: Modeling Considerations Moving Forward

Posted at 1:00 AM ET

william-garland-sm3Will Garland, Managing Director

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Technological progress is accelerating at a rapid pace and with it are the risks and opportunities that accompany those changes in many different segments of our economy:

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April 20th, 2016

Emerging Risks for Life, Health and Longevity

Posted at 1:00 AM ET

Here we review recent GC Capital Ideas posts on the emerging risks affecting life, health and longevity. 

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November 11th, 2015

Longevity Risk

Posted at 1:00 AM ET

The impacts to society from changes in longevity and life expectancy will be wide-ranging and incredibly difficult issues to grapple with. A 2012 International Monetary Fund (IMF) study revealed that if individuals lived three years longer than expected the cost of aging could increase by 50 percent. This translates to 50 percent of 2010 gross domestic product (GDP) in advanced economies and 25 percent of 2010 GDP in emerging economies. Globally that amounts to tens of trillions of US dollars. The United Nations expects the aggregate expenses of the elderly will double over the period between 2010 and 2050. The figure below shows the projected trend of rising life expectancy to continue in all regions of the globe regardless of economic advancement.

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November 10th, 2015

Life, Health and Longevity Emerging Risks

Posted at 1:00 AM ET

In the last 150 years, dramatic improvements have been made in life expectancy. Some developments such as immunizations for smallpox, polio and measles created quantum improvements, while the proliferation of better lifestyles, clean water and more nutritious diets provided gradual and continuing change. While most historical life expectancy developments resulted from improvement in children’s mortality, in the 20th century, mortality rates declined significantly for older ages.

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