Expert Insights
Deep-dive perspectives from financial industry leaders on market trends and strategic decision-making.
Analysis
6 Tax-Smart Strategies to Fund a Long-Term Care Insurance Policy
For clients who own a tax-qualified LTC insurance policy, the tax advantages are significant. Whether it's a traditional or hybrid plan, benefits grow tax-free within the policy — and if a claim is made, those benefits are generally received tax-free as well. In 2026, benefits are tax-free up to the actual cost of care, or $430 per day for cash indemnity plans (indexed annually).
e-based schedule and the 7.5% of AGI threshold.
Leadership
Wirehouses’ Volume of Individual Annuity Sales Rose 18% in 2025
Wirehouses’ Volume of Individual Annuity Sales Rose 18% in 2025 - Life Annuity Specialist
Sales of RILAs at the four full-service national broker-dealers rose 37% year-over-year, according to a new report on annuity distribution
An "investor-savvy client base" within a wirehouse would stomach higher risk tolerance than that of other distribution channels such as banks, said Giesing...
Outlook
The Slippery Slope of Subsidization
There’s a number by which every FIA is judged: the S&P 500 cap. It’s the figure that dominates sales presentations, drives competitive positioning, and often determines whether a product flies off the shelf or collects dust. But here’s what most people don’t
realize.
That shiny, competitive cap plastered across marketing materials might actually be a modest crediting budget wearing a very expensive disguise.
Research & Reports
Access in-depth research, comprehensive white papers, and specialized financial reports curated for industry leaders and decision-makers.
Flash Survey
Annuity Program Survey
We are pleased to present our insights and expertise regarding the annuity programs within banks, and broker-dealers, sharing what we have learned and uncovered.
The Composite Group in our annuity program survey consists of 25 banks and broker-dealers (BDs) in 2025. This review centers on annuity distribution channels across banks, independent broker-dealers, regional and national broker-dealers, as well as wirehouses.
Special Report
Year In Review - Institutional Annuity Market
Since 2016, Saltzman Associates has been collecting and benchmarking institutional distribution annuity sales data. We are pleased to present our insights and expertise regarding the annuity market, sharing what we have learned over the past year.
Brief
Institutional Distributor Annuity Sales Report
The Saltzman Associates Institutional Distributor Annuity Sales Report is a monthly benchmarking tool that allows subscribers to quickly follow sales growth and trends in product mix across individual firms and channels, including Wirehouses, National and Regional Broker-Dealers, Independent Broker-Dealers, Bank and Credit Union Broker-Dealers, and Third-Party investment programs serving smaller financial institutions.
Event Highlights
Product & Service Updates
The latest technical enhancements, product changes and service expansions across the industry.
Product Update
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Service Update
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Technology Update
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