The purpose of this bulletin is to look at the relatively low historical failure rates for life insurers, examine the most common risk factors that contribute to life insurer impairments, and discuss safeguards that have evolved over the last 20 years to minimize the impact of those risk factors. The bulletin also reiterates the effectiveness of policyholder protections, even when a carrier experiences financial challenges.

Who’s Watching Your Back? An Assessment of Life Insurance Policyholder Protections in the Wake of the Financial Downturn.

Choosing Life Insurance Products in Today’s Volatile Economic Environment. From product selection to product performance, there are many factors to consider when buying life insurance. The ongoing volatility in the financial markets can create additional challenges. What should clients be aware of when considering various product types? Are there ways to mitigate the uncertainty of policy performance in this environment?

Q&A: Carrier Solvency and the Impact On Policyholders. As insurance carriers continue to face challenges due to the recent economic turmoil, solvency is on the minds of many clients and advisors. Addressing some basic questions about solvency, and the implications for policyholders, supports efforts to restore confidence in the life insurance industry.