Q4 Quarterly Earnings: Cautiously Opportunistic
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by
Tamiko Toland
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2/26/2010
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The last 18 months have ushered in a new evolutionary phase for the VA industry, yet there are some companies that have maintained a more assertive stance. In the face of derisking, product modification, and price increases, some insurers have a greater appetite for taking on more living benefit risk. We see common themes coming up in quarterly reports, such as diversification of product that has allowed many insurers to follow economic shifts and consumer preference; interest in pursuing overseas markets; and a keen focus on increased return on equity and higher embedded value to new business.
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Q4 Quarterly Earnings: Strategies Evolve Amid Changing Tides
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by
Tamiko Toland
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2/19/2010
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The financial crisis has served as a forge that is reshaping the VA industry, for better or worse. Quarterly reports provide a peek into the perspective of various companies as they explain their strategies for recovery and future growth. We now see the emergence of new efforts to promote products with pared down designs, embedding less risk and a more focused benefit to clients. One could easily argue that the changes implemented today are necessary for the growth of an industry that has spun its wheels by reselling to the same subset of clients.
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