Are Your Retirement Savings Safe? Inside Insurance Ratings & the Annuity Boom
#thismorning | Are Your #Retirement #Savings #Safe? Inside #Insurance #Ratings & the #Annuity Boom | Edward Kohlberg, AM Best | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness AM Best's Edward Kohlberg breaks down how financial-strength ratings for life insurers and annuity providers work, why they matter for anyone saving for retirement, and what trends are shaping the industry today. Topics covered include the rating process and cadence, the rise of annuities and new market entrants, growing use of private credit in insurers’ portfolios, and how firms stress-test for interest-rate and economic changes. If you’re choosing an insurer for life insurance or an annuity, or advising clients, these insights explain what to watch for when assessing a company’s ability to pay claims long-term. Timestamps: 0:00 Intro 0:58 What ratings measure (balance sheet, operating performance, ERM) 2:42 How ratings are reviewed — annual, six-month, and event-driven checks 6:53 Trends: annuity growth, new entrants, and shifts in weighted average ratings 9:41 Private credit usage — yield benefits vs. transparency and liquidity concerns 12:26 Forward-looking analysis: stress testing and interest-rate considerations 13:44 Closing #InsuranceRatings #Annuities #RetirementPlanning #FinancialStrength #PrivateCredit #RiskManagement #LifeInsurance #Investing #Finance #Pensions
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