
The SECURE Act
Let ALIRT help you implement a “best practice” approach to selecting annuity carrier partners as part of your fiduciary duty and safe harbor requirements.
Aquarian Capital to Acquire Brighthouse Financial
In the following article we discuss the background of both Brighthouse Financial (BHF) and Aquarian, recent financial performance of BHF’s insurance subsidiaries, and what this transaction may entail for BHF going forward.
Risk Retention Group Market Overview
In the following review we discuss the current state of the RRG market and its financial performance over the
past 15 years (2010-2024).
Overview of Reciprocal Insurance Exchanges and Recent Market Trends
In the following report we explore the insurers within the RIE market and their financial performance, as well as examine some of the new entrants to the industry and the factors driving
Annuity Surrenders Rise for U.S. Life Insurers
In this report, we discuss the increased level of annuity surrenders, the potential risks of higher surrenders, and any offsetting factors to these risks.
Mortality in the U.S. Life Insurance Industry (2024)
In this review we highlight the recent trends in U.S. mortality and its continued impact on the U.S. life insurance industry.
P&C Mutual Insurance Market Overview
In the following review we provide an update on the state of the P&C mutual insurance market based on reported financial results for the full year 2024 through 6 months 2025.
U.S. Surplus Lines Overview
This article is about the strong growth and evolving role of the U.S. surplus lines (E&S) insurance market, highlighting its record premium levels, profitability trends, integration with admitted carriers, and the influence
Mortgage Loan Exposure for Life Insurers
While insurers continued to favor mortgage loans, weaker conditions in the commercial real estate market have developed, driven in part by higher borrowing costs and behavioral changes and disruptions related to the
U.S. Life Insurers’ Foreign Reinsurance Exposure
While U.S. life insurers utilize reinsurance in many foreign jurisdictions, in this report we will focus on Bermuda in particular given the robust growth in Bermuda reinsurance among U.S. life insurers.
BBB-rated Bond Exposure for Life Insurers
In this article, NAIC Class 2 (BBB-rated) bond holdings are examined in the context of their rising prominence within U.S. life insurer portfolios. Despite ongoing economic uncertainty and updated capital requirements, these
Corebridge Sells Individual Variable Annuity Business to Venerable
The balance of this release will discuss the impact of this transaction on the CBF and VHI groups, and ALIRT will share some of our thoughts on the transaction.
Oregon Mutual A.M. Best Downgrades – Did You See It Coming?
In this article, a sharp downgrade of Oregon Mutual’s rating is examined, revealing early signs of financial trouble dating back to 2022. It shows how proactive monitoring can help agencies avoid last-minute
U.S. Life Insurer Exposure to Less Liquid Bonds
In this review we highlight some of the less liquid components of life insurer bond portfolios.
Lloyd’s of London Market Overview – 2024
The following overview reflects results for ALIRT’s Composite as well as those for the Lloyd’s market as a whole, based on the organization’s annual report issued in late March.
Trends in Individual Annuities
In this review, we concentrate on the recent changes in the annuity product landscape.
Privately-Owned Insurers in the U.S. Life Insurance Industry
In this report we explore some of the organizations that have acquired life insurers, review some recent transactions/acquisitions that involve privately-owned insurers, and analyze the difference in financial profiles of privately-owned life
Below Investment Grade Bond Exposure for Life Insurers
This article discusses the accounting treatment of bonds in insurer financial statements, and possible impacts in the event BIG bonds are downgraded, impaired, or default.
Life Insurer Exposure to Alternative Investments
This review analyzes alternative investments for U.S. life insurers.
Potential Insurer Loss Exposure to the Los Angeles Wildfires
On the following pages, we take a look at individual insurers which had the highest exposure to the California property insurance market in 2023.
Florida Domestic Insurer Market Update – December 2024
In this article, we discuss how recent legislative reforms and improved market conditions have helped stabilize Florida’s homeowners insurance market, attracting new insurers and improving financial performance.