Thursday, March 28, 2024

LIMRA

LIMRA’s Applied Research Solutions will offer consultative research design and delivery to clients looking for fresh insights and approaches to company- or industry-specific challenges. Leveraging the association’s broader industry benchmarking and topical research program, the Applied Research Solutions team will focus on helping clients develop a deeper understanding of issues impacting their business. Focusing primarily on informing product, marketing, and distribution strategies, the new expanded team will build upon LIMRA’s existing expertise to provide clients with data and insights they can apply to a wider range of business decisions.

“In a market where companies are facing significantly greater regulatory and economic challenges, and profitable growth is increasingly elusive, business decisions are riskier than ever before. LIMRA is uniquely positioned to offer our clients the benefits of an experienced research team and a deep, expert understanding of the industry landscape. This combination enables us to provide superior value to our members over general research suppliers and consultancies,” said Sean O’Donnell, senior vice president, and head of membership. “By expanding our custom research capabilities, we can help our members get more value from the association by applying this expertise to an issue of interest to either a consortium of members or an individual client’s specific situation.”

Along with O’Donnell and the existing custom research team, LIMRA has named two executives to support the Applied Research Solutions business:

  • Lai-Sahn Hackett will lead the Applied Research Solutions research team. In this capacity, she will be responsible for consulting with clients to design creative and valid research approaches that will uncover actionable insights into changing market dynamics and help clients maximize opportunities to meet their business goals. Hackett has more than a decade of experience leading market research, product development, and process improvement engagements for large employers and service providers in the insurance industry.
  • Michelle Lorenz will lead the Applied Research Solutions sales and consulting team. With more than 20 years of experience developing and selling custom research solutions for clients across a variety of industries, Lorenz recently joined LIMRA after being vice president, client solutions at SAGO. She will be responsible for building valued customer solutions and insights, with a focus on the overall client experience, for LIMRA members who engage the Applied Research Solutions team.

The insurance industry is currently experiencing an unparalleled period of transformation. The application of new technologies—along with a shifting distribution landscape and evolving consumer expectations—is impacting the industry in new and significant ways. For more than a century LIMRA has been delivering unique benchmarks and research to help its members navigate industry change. Applied Research Solutions enables the association to take that idea further and provide a more focused, tailored application of research expertise to address these emerging needs.

“As our members have increasingly transitioned to a data-driven approach in their business practices, the demand for credible insights and analysis has never been greater,” said O’Donnell. “We believe that our research expertise and unparalleled knowledge of the industry enables us to provide our members with unique value as they strive to meet new and rapidly changing expectations and needs.”
For more information, visit LIMRA’s Applied Research Solutions at www.limra.com/en/solutions-and-services/applied-research-solutions/.

Serving the industry since 1916, LIMRA offers industry knowledge, insights, connections, and solutions to help more than 700 member organizations navigate change with confidence. Visit LIMRA at www.limra.com.

ICMG

The Inter-Company Marketing Group (ICMG), the non-profit association that fosters business networking among insurance and financial services companies, has named Allen Bress, president of AIM Marketing & Insurance Services, Inc., of Scottsdale, AZ, as the recipient of the 2024 Don Kampe Lifetime Achievement Award.

The Don Kampe Lifetime Achievement Award is the highest honor awarded by the ICMG. This award was established in 2001 to recognize ICMG members who have made significant, ongoing contributions of time and resources for the benefit of the organization. The award was named in honor of Don Kampe, who served on ICMG’s first board of directors, was president for two terms, and continued to be active in board and committee work for 24 years.

Mr. Bress’s entry into the insurance industry in 1968 marked the beginning of an innovative and impactful insurance career. He has founded three reputable companies, showcasing a deep commitment to providing invaluable insurance benefits to the public. Since joining ICMG in 1993, Mr. Bress has been a consistent and enthusiastic advocate for the organization, energetically encouraging others to participate as well.

Beyond ICMG, throughout Mr. Bress’s 50-plus years in the insurance business, he has been active in many other conferences and organizations. He has served on multiple boards, including the Mass Market Insurance Institute, PIMA, Voluntary Benefits Association, and the NAILBA Charitable Foundation. His induction into the Workplace Marketing Association’s Hall of Fame and a founding role in the California Association of Health Underwriters speak to his influential presence and visionary contributions.

This year’s Don Kampe Lifetime Achievement Award was presented by ICMG’s Executive Director, Larry Sigle, who said about Mr. Bress, “It’s evident that his unwavering dedication, visionary leadership, and profound industry impact make him a deserving recipient.”

The ICMG’s 2024 Annual Conference was held February 5 to 7, 2024, in Miami, FL. This was a milestone year for this exceptional conference, as attendees celebrated the 40th anniversary of the event. More information about the organization and its 2024 conference can be found at ICMG’s website, www.icmg.org.

The Inter-Company Marketing Group (www.icmg.org) is the premier non-profit association that fosters strategic alliances among insurance and financial services companies, providing targeted networking opportunities, sharing of knowledge, experience, and resources for successful inter-company alliances. Among ICMG’s members are marketing and business development decision-makers with insurance carriers, reinsurers, distributors, third-party administrators, and other related companies in the insurance business. Find ICMG on LinkedIn or visit www.icmg.org to learn more.

For more information, contact Larry Sigle, executive director, ICMG, 316-252-3368, administration@icmg.org, or Chuck Hirsch, president, Hirsch Communications Consulting, 314-630-1387, charles.k.hirsch@gmail.com.

Finseca

Finseca’s CEO Marc Cadin issued the following statement after California’s Governor Gavin Newsom signed into law SB 263, California’s version of the NAIC Best Interest Standard:

“We’re truly grateful for Senator Dodd, the California Department of Insurance (CDI), and the NAIC for their efforts to bolster consumer protections while maintaining access to holistic financial advice. We are witnessing the impact that a strong coalition fighting for financial security for all can have, and I’d be remiss if I didn’t emphasize the importance of the joint work that we’ve done under the leadership of ACLHIC, specifically with the help of the teams at the ACLI, IRI, NAIFA, NAFA and our own team at Finseca. California lawmakers took a strong stand today with the objective data we’ve seen from Ernst and Young–holistic financial advice provides better outcomes for consumers, and we should be finding ways to continue to expand on this. Our movement is gaining steam, and we won’t rest until we’ve achieved financial security for all.”

The National Association of Insurance Commissioners (NAIC) developed a best interest for annuity standard that served as the baseline that Senator Dodd and CDI expanded upon to create what CA SB 263 is today. The passage of this legislation and its being signed into law demonstrates the strength and importance of the state-based regulation of insurance that has been in place for decades.

LIMRA And LOMA

During the 2023 LIMRA Annual Conference, LL Global, the parent company of LIMRA and LOMA, announced Adrian Griggs, executive vice president and chief operating officer, Pacific Life Insurance Company, will remain chair of the LL Global board of directors in 2024.

Caroline Feeney, executive vice president and chief executive officer, U.S. Businesses, Prudential Financial, was named vice chair and will succeed Griggs as chair in 2025.

“Our industry plays a critical role in supporting consumers’ lifelong financial security. The invaluable market knowledge and insights, incredible peer-to-peer networking opportunities and state-of-the-industry solutions that LIMRA and LOMA offer are vital to member companies, allowing them to make informed decisions for their businesses and better engage and serve their customers,” said Griggs. “I am honored to continue to work with the LIMRA and LOMA leadership team to help the organization advance its 2025 Compass strategy and position itself and the industry for the future.”

The LL Global board provides oversight and guidance to LIMRA and LOMA to ensure the strategic direction continues to meet the changing needs of member companies.

Ten new directors also will join the board:

  • Rob Arena, co-president and head of individual markets, Global Atlantic Financial Group
  • Marc Costantini, global head of inforce management, Manulife
  • Will Fuller, president and chief executive officer, Transamerica
  • Wade Harrison, executive vice president and chief retail officer, Protective Life
  • Ron Herrmann, executive vice president and head of RGA Americas, Reinsurance Group of America, Inc.
  • Paul LaPiana, head of brand, product and affiliated distribution, Massachusetts Mutual Life Insurance Company
  • Denise McCauley, president and chief executive officer, WoodmenLife
  • Margaret Meister, president and chief executive officer, Symetra Financial Corporation
  • Kevin Molloy, chief financial officer, The Guardian Life Insurance Company of America
  • Kamilah Williams-Kemp, executive vice president and chief insurance officer, Northwestern Mutual

“We are fortunate to have such a dedicated group of accomplished and knowledgeable leaders on our board of directors. Their perspectives, insights and guidance will have a tremendous impact on the future success of our organization,” said David Levenson, president and chief executive officer, LIMRA and LOMA. “I am particularly grateful to Adrian who has agreed to continue to lead our board in 2024. His wisdom and steady leadership were invaluable to LIMRA and LOMA this past year and have positioned us to better serve our members and achieve our strategic goals.”

LL Global is the non-profit parent company for LIMRA and LOMA. LIMRA and LOMA have a combined membership of more than 700 insurance and financial services companies in 63 countries worldwide.

Serving the industry since 1916, LIMRA offers industry knowledge, insights, connections, and solutions to help more than 700 member organizations navigate change with confidence. Visit LIMRA at http://limra.com.

Established in 1924, LOMA helps to advance the financial services industry by empowering more than 700 financial services companies to navigate change with confidence. Visit LOMA at http://loma.org.

NAIFA

Kevin Mayeux, CAE, CEO of the National Association of Insurance and Financial Advisors (NAIFA), issued the following statement on the proposed Department of Labor fiduciary rule expected to be made public:

“NAIFA is disappointed that the Department of Labor and OMB have decided to move forward with the misleadingly named Retirement Security rule. DOL’s attempt to rebrand its proposal does not hide the fact that it is the offspring of the department’s failed fiduciary-only model for advisory services that would limit consumers’ choices and curtail the access of many middle- and lower-income investors to individualized advice and services. This is the fourth time since 2010 the federal government has tried to expand fiduciary requirements for advisors. This DOL proposal is particularly unfortunate, coming at a time when many Americans are concerned about their economic security and ability to prepare for retirement. NAIFA is particularly disappointed that DOL is trying to saddle advisors and consumers with an additional layer of regulations when the stated goals of the proposed rule are already being achieved by the Securities and Exchange Commission’s Regulation Best Interest and state measures based on the National Association of Insurance Commissioners’ model best interest regulation for annuity transactions, both of which provide robust consumer protections and require financial professionals to work in clients’ best interests.

“NAIFA previously raised our concerns about the proposal with the Office of Information and Regulatory Affairs (OIRA) of the White House’s Office of Management and Budget (OMB) on October 6. Unfortunately, the administration did not take our concerns to heart. The White House’s new Fact Sheet on the rule unfairly characterizes the insurance and financial services industry and misrepresents the vital role agents and advisors play in helping clients prepare for retirement. Referring to legitimate compensation many advisors receive for their work as “junk fees” is insulting and unfair. It disregards the fact that many consumers are best served by models that include products delivered on a commission basis.

“NAIFA will analyze the proposed rule and submit official comments, continue to have discussions with the administration throughout the regulatory process, and work with members of Congress to achieve the best possible outcome for American families who depend on the products, services, and advice of NAIFA members offering a variety of service models to ensure a financially secure retirement.”


The National Association of Insurance and Financial Advisors is the preeminent membership association for the multigenerational community of financial professionals in the United States. NAIFA members subscribe to a strong Code of Ethics and represent a full spectrum of financial services practice specialties. They work with families and businesses to help Americans improve financial literacy and achieve financial security. NAIFA provides producers a national community for advocacy, education, and networking along with awards, publications, and leadership opportunities to allow NAIFA members to differentiate themselves in the marketplace. NAIFA connects with members in 267 different local areas between State Chapters, Local Chapters, and Local Affiliates. NAIFA members in every congressional district advocate on behalf of producers and consumers at the state, interstate, and federal levels. For more info visit http://naifa.org.

MDRT Center

MDRT Global Services announced that, as of November 1, the association will officially be known as the MDRT Center for Field Leadership (MDRT Center). The new name, along with updated branding, more closely reflects the association’s mission: Helping field and home office leaders across the globe grow as leaders of financial services organizations and propelling their teams to success.

MDRT Center members are field and home office leaders who continually work to broaden their leadership skills, establish an MDRT culture of excellence within their agencies and advance themselves professionally and personally.

MDRT Center members will have access to all the benefits that were available prior to the rebranding, including key leadership content on the Center’s website like toolkits, videos and articles, and access to Harvard ManageMentor® learning application. Members can also partake in regular webcasts, attend study groups with fellow members and one global MDRT event per year, and apply for an MDRT Culture of Excellence Award.

“The MDRT Center for Field Leadership creates a community of financial services leaders committed to excellence in the profession,” said Gregory Gagne, ChFC, 2024 MDRT president. “Undergoing this rebranding highlights the association’s dedication to amplifying members’ ability to incite growth and empower their teams to become the best.”

MDRT Center membership is granted for one year and must be renewed annually. The open enrollment period for membership is November 1-April 1. Annual membership dues are $600, but applicants may apply for membership after April 1 with a $200 late fee.

As the newest association under the global MDRT Family of Brands, MDRT Center for Field Leadership (MDRT Center) was created exclusively for financial services field and home office leaders. As a separate, individual membership association, MDRT Center provides its members with exceptional value and leadership growth opportunities. MDRT Center membership allows increased engagement within the MDRT community while providing leaders with strategies to develop a culture of excellence within their respective organizations. To learn more visit http://mdrtcenter.org.

LIMRA News

Total annuity sales increased 12 percent year-over-year to $88.6 billion in the second quarter 2023, driven by record-high registered index-linked annuity (RILA) and fixed indexed annuity (FIA) sales, according to preliminary results from LIMRA’s U.S. Individual Annuity Sales Survey.

“Double-digit equity market increases and stable interest rates have prompted investors to seek out greater investment growth opportunity through RILAs and FIAs,” said Todd Giesing, assistant vice president, LIMRA Annuity Research. “Economic conditions continue to be favorable for the annuity market. LIMRA is forecasting a strong second half of the year and expects 2023 sales to potentially surpass the record sales set in 2022.”

In the first half of 2023, total annuity sales jumped 28 percent to $182.7 billion. This marks the highest sales ever recorded in the first six months of a year.

RILA sales totaled $11.6 billion in the second quarter of 2023, up eight percent from the prior year. These are the highest quarterly sales for the product line. The strong equity market performance attracted investors who are seeking a greater return on their investment and are willing to accept some of the downside risks. In the first half of 2023, RILA sales were $22 billion, eight percent higher than the same period in 2022. LIMRA is predicting RILA sales to have another record-breaking year in 2023, likely increasing at least 10 percent.

For the fifth consecutive quarter, FIA set a sales record. FIA sales were $25.4 billion in the second quarter, up 29 percent from the prior year’s results. Year-to-date (YTD), FIA sales jumped 35 percent to $48.5 billion.

“FIA products offer an appealing combination of investment growth with principal protection. With cap rates nearing or exceeding 10 percent, there are few investment options that can offer a higher potential guaranteed return with full principal protection,” said Giesing. “Like RILAs, favorable economic conditions could push FIA sales beyond our expectations in 2023.”

The income annuity market achieved its highest quarterly sales ever, topping $4.5 billion. Single premium immediate annuity (SPIA) sales were $3.4 billion in the second quarter, 68 percent higher than the prior year’s results. In the first six months of 2023, SPIA sales shot up 93 percent to $6.8 billion.

Deferred income annuity (DIA) sales reached a milestone, topping $1 billion for the first time in a quarter. DIA sales were $1.1 billion, more than doubling (108 percent) sales in the second quarter 2022. In the first half of the year, DIA sales jumped 116 percent to $1.9 billion.

“The remarkable growth of income annuity product sales is a result of broad growth across the industry,” said Giesing. “Reports in the second quarter that the Federal Reserve was expected to slow interest rate hikes likely prompted investors who had been sitting on the fence to lock in the favorable rate of returns offered.”

As expected, fixed-rate deferred (FRD) annuity sales fell from the record high $41.5 billion set in the first quarter. In the second quarter 2023, FRD sales were $31.7 billion, which was a 24 percent drop from prior quarter but 10 percent higher than second quarter 2022 results. YTD, FRD sales totaled $73.2 billion, up 64 percent, which represents the highest FRD sales in a six-month period.

“While the average FRD annuity crediting rates continue to outperform CD rates, the gap has diminished. Investors—feeling more confident in the economy—are shifting to RILAs and FIAs seeking greater returns,” said Giesing. “That said, with a significant amount in FRD contracts coming out of surrender this year, LIMRA expects a portion of those assets to be reinvested in FRD products driving total FRD sales to another strong year.”

The steady rise in the equity markets prompted a slight uptick in traditional variable annuity (VA) sales from the first quarter, but traditional VA sales remain far below the results from the prior year. Traditional VA sales were $13.6 billion in the second quarter, down 18 percent from second quarter 2022 results. YTD, traditional annuity sales totaled $26.4 billion, falling 25 percent compared with the same period in 2022. While economic conditions are improving for traditional VA products, with the slow start to the year, LIMRA is forecasting sales growth in this category to be flat in 2023.

Preliminary second quarter 2023 annuity industry estimates are based on monthly reporting, representing 83 percent of the total market. A summary of the results can be found in LIMRA’s Fact Tank, https://www.limra.com/en/newsroom/fact-tank/.

Second quarter 2023 top 20 rankings of total, variable and fixed annuity writers will be available in mid-August, following the last of the earnings calls for the participating carriers.

Serving the industry since 1916, LIMRA offers industry knowledge, insights, connections, and solutions to help more than 700 financial services member organizations navigate change with confidence. Visit LIMRA at http://limra.com.

MDRT News

Members of MDRT, the leading international association for financial services and insurance professionals, gathered in Nashville, TN, June 25—28, to advance their careers and learn from fellow members and other multidisciplinary experts at the members-only 2023 Annual Meeting. Members attended more than 190 sessions during the four-day event, which featured motivational speakers on Main Platform, specific industry knowledge from colleagues at Focus Sessions and various networking opportunities in the ConneXion Zone. Attendance reflected the global aspect of MDRT, with members from 56 countries and territories intermingling to discover new ways of working and establish meaningful connections with colleagues and clients. “Seeing members from across the globe gather to learn and grow together is what MDRT is all about,” said MDRT president Peggy Tsai, RFP, CCFP. “I’m constantly inspired by the connections made by financial services professionals from different cultures and markets. My time as President has shown me how much we all can learn from one another, regardless of where we call home.”

Main Platform sessions featured inspiring messages from notable speakers like Olympic medalist Chaunté Lowe, poet IN-Q, “Homeless to Harvard” speaker Liz Murray, robotics and healthcare innovator Keller Rinaudo, paralympic medalist and philanthropist Dylan Alcott and more. “The connections I have been able to build from my first Annual Meeting seven years ago are connections I still have today,” said MDRT member Brandon Heckert, CFP, AAMS. “These connections are the reason I keep coming back. I like getting to see my friends, and we all learn from one another. I never thought I would have friends from around the world like how MDRT has made possible.” Attendees like Heckert learned from fellow MDRT members on Main Platform and at Focus Sessions about ways to leverage past experiences to boost their effectiveness as advisors. Examples include Carla Brown, FPFS, explaining how using social media can lead to effective referrals; Pamela J. Sams, CRPC, enlightening the audience on the benefits of behavioral finance; and Juli Y. McNeely, CFP, CLU, sharing how to help a client plan for the retirement they desire beyond the monetary value of their retirement plan. “MDRT has been and always will be a member-led organization. The Executive Committee makes all decisions based on what is best for MDRT members,” said MDRT First Vice President Gregory B. Gagne, ChFC. “We build on what came before us to provide exceptional tools and enhanced resources that will drive members’ success.” Gagne, a 24-year MDRT member from Exeter, NH, spoke on Main Platform Tuesday, June 27, where he was welcomed as the 2024 MDRT President. He shared his hopes for the organization, saying, “MDRT will continue to meet you where you are, with targeted communications directing you to the benefits and resources of greatest personal interest and potential impact. We want to help at every step of all MDRT members’ journeys.” During his year as President, Gagne hopes to connect with members across the globe and ensure they receive resources that help them continue to succeed. Gagne will assume his new position on September 1, after three years of service on the MDRT Executive Committee.

MDRT (Million Dollar Round Table) The Premier Association of Financial Professionals®, is a global, independent association of the world’s leading life insurance and financial services professionals from more than 700 companies in 80 nations and territories. MDRT members demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. MDRT membership is recognized internationally as the standard of excellence in the life insurance and financial services business. For more information, please visit http://mdrt.org.

MDRT

MDRT Global Services has announced the 131 winners of the prestigious 2023 MDRT Culture of Excellence Awards, the global standard for achievement in financial services leadership. These awards are another resource available to Global Services members to measure individual and agency-wide performance and foster a comprehensive approach to leadership excellence.

Winners will be honored at special ceremonies during the 2023 MDRT Annual Meeting (June 25-28 in Nashville, TN) and the 2023 MDRT Global Conference (August 27-30 in Singapore). The Culture of Excellence Awards are the only awards bestowed by the MDRT family of brands.

Global Services members are field and home office leaders who continually work to broaden their leadership skills, establish an MDRT culture of excellence within their agencies, and advance professionally and personally. They are empowered and inspired year-round by educational content, peer-to-peer study groups, webcasts, attending MDRT meetings, and other Global Services tools and resources.

Within that fast-growing global community, the Culture of Excellence Awards are bestowed upon the “best of the best”—agency leaders who track and submit results in production, recruitment, retention, persistency, work/life balance (“Whole Person”) and MDRT membership. The five Diamond Agency winners achieved at least five of the six criteria; 15 Platinum Agency winners achieved four of six criteria, and 111 Gold Agency winners achieved three of six criteria.

Special mention goes to the following companies with the highest number of 2023 Culture of Excellence Award winners: Pru Life Insurance Corp of the U.K. with 69 award winners, Prudential Assurance Company Singapore (PTE) Limited with 24 award winners, and Great Eastern Life of Singapore with 22 award winners. The full list of winners is found on the Global Services website.

“The Culture of Excellence Awards are the most prestigious field leadership awards in the financial services profession,” said Peggy Tsai, RFP, CCFP, 2023 MDRT president and an agency leader at Shin Kong Life Insurance Co. in Taipei, Taiwan. “MDRT Global Services creates a community of financial services leaders committed to excellence in the profession, and winning this award recognizes their ability to galvanize and coach their teams to become the best.”

LIMRA

Economic factors continue to influence employees’ enrollment decisions. According to a recent LIMRA consumer survey, more than half of workers cite inflation and a potential recession as having at least some impact on their enrollment decisions.

“While COVID-19 is playing less of a role, it still has an influence on enrollment decisions, especially when it comes to certain products such as life insurance and supplemental health products,” said Patrick Leary, corporate vice president and director of LIMRA’s workplace benefits research program. “During the pandemic, employees became much more aware of the need for insurance and related protection products, and that trend continues, although to a lesser extent.”

Supplemental Health Insurance
In the fourth quarter, U.S. workplace supplemental health product sales—accident, critical illness, cancer, hospital indemnity, and other supplemental health insurance products*—totaled $708 million in new premium, an eight percent increase year-over-year. In 2022, workplace supplemental health insurance product sales were $2.9 billion in new premium, up 12 percent from 2021 results.

The 2022 sales growth was driven by exceptionally strong results in the first quarter of 2022, when total supplemental health new premium increased 17 percent. In the following three quarters of the year supplemental health premium sales continued to grow, albeit at a slower pace.

All supplemental health product lines recorded growth in the fourth quarter: Accident insurance grew nine percent, critical illness climbed 12 percent, cancer insurance improved nine percent, and hospital indemnity experienced 10 percent growth.

Disability Insurance
Total workplace disability insurance new premium sales was $1 billion in the fourth quarter 2022, a year-over-year 25 percent increase. Long-term disability insurance new premium increased 21 percent in the fourth quarter and 13 percent for the year. Short-term disability new premium was up 28 percent for the quarter and four percent for the year.

Overall, U.S. workplace disability new premium totaled $3.9 billion in 2022, a year-over-year increase of eight percent.

Life Insurance
In the fourth quarter 2022, total workplace life insurance new premium was $837 million, down nine percent from prior year results. For the year, U.S. workplace life insurance new premium totaled $3.9 billion, down one percent from 2021.

“After the 14 percent increase in workplace life insurance premium in 2021—one of the largest increases recorded over the past 30 years—workplace life insurance premium normalized in 2022,” Leary said.

LIMRA’s workplace benefits sales surveys for life insurance, disability insurance and supplemental health represent at least 90 percent of their respective annualized premium markets.

You can find the latest data table with U.S. workplace sales trends in LIMRA’s Fact Tank, https://www.limra.com/en/newsroom/fact-tank/.

*“Other supplemental health products” represents products that do not fit the other categories, such as gap insurance, minimum essential coverage plans, limited benefit medical, and heart/stroke products.

Serving the industry since 1916, LIMRA offers industry knowledge, insights, connections, and solutions to help more than 700 financial services member organizations navigate change with confidence. Visit LIMRA at https://www.limra.com.

WordPress › Error

There has been a critical error on this website.

Learn more about troubleshooting WordPress.