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How OBBBA is a once-in-a-career window

December 19, 2025 From the Field: Expert Insights No comments.

Here is what this bill actually means for your prospects and how you — the advisor —can move the money to where it does the most good.

Read more
December 18, 2025

The 2025-2026 risk agenda for insurers

The insurance regulatory and risk landscape was demanding in 2025 — and all signs point to 2026 being even more complex.

December 18, 2025
ACA

House OKs health bill without extending ACA credits

The Affordable Care Act cost cliff likely will hit as Americans ring in the New Year, now that the House of Representatives approved an alternative health care bill that does not include extending enhanced tax credits that are due to expire Dec. 31.

December 17, 2025
Image shows several men
There are many aspects of fitting in with your broker-dealer.

5 things I wish I knew before leaving my broker-dealer

Change is inevitable in the financial services industry. Regulations evolve, technology advances, and client needs shift.

December 17, 2025
Illustration showing a small GOP elephant approaching a larger Democrat donkey. 4 GOP reps join Democrats in forcing ACA vote.

4 GOP reps join Democrats in forcing ACA vote

Four moderate Republican congressmen joined Democrats in the House to force a vote on extending the Affordable Care Act enhanced subsidies, which are due to expire Dec. 31, hiking the cost of health care premiums for millions of Americans.

December 16, 2025
Image of ship named "ACA Tax Credits" being sunk at sea. GOP-scuttles-vote-on-package-without-ACA-tax-credits.

GOP scuttles vote on package without ACA tax credits

House Speaker Mike Johnson said he won’t call a vote Wednesday to extend enhanced subsidies under the Affordable Care Act.

December 16, 2025
Illustration showing prescription pills, and the words "Medicare Advantage Marketplace," with a fever graph showing the ups and downs of the marketplace. Stabilize-the-Medicare-Advantage-marketplace-Idaho-director-tells-NAIC,

Stabilize the Medicare Advantage marketplace, Idaho director tells NAIC

The Idaho Department of Insurance Director described his state’s actions against unfair trade practices regarding Medicare Advantage plans, while the head of an agents’ association expressed her frustration.

December 16, 2025

Product understanding will drive the future of insurance

As product sales continue to be sold through independent channels, carriers are increasingly reliant on distributors to push a broader portfolio of product offerings.

December 15, 2025
Image shows the Lockheed Martin logo
State insurance regulators authored a brief defending the pension risk transfer business as well regulated.

Iowa defends Athene pension risk transfer deal in Lockheed Martin lawsuit

Iowa submitted a brief Wednesday in support of Lockheed Martin Corp. in a lawsuit over its choice of Athene Annuity and Life Co. in a pension risk transfer deal.

December 12, 2025
Image shows several figures standing in from of charts.
Regulators are moving forward with greater oversight of artificial intelligence.

NAIC’s 2026 AI evaluation pilot moves ahead as industry balks

State insurance regulators are committed to kicking off a pilot program in 2026 to test insurers’ use of artificial intelligence.

December 11, 2025
ACA

Senate votes down two plans to address expiring ACA tax credits

Congress is no closer to resolving the issue of expiring enhanced Affordable Care Act tax credits as the Senate failed to advance competing proposals to address the issue today.

December 11, 2025

Pension buy-in sales up, PRT sales down in mixed Q3, LIMRA reports

The pension risk transfer market showed its unpredictability during the third quarter as LIMRA reported strong buy-in sales amid weaker pension risk transfer data.

December 11, 2025
Illustration showing a gigantic machine with workers walking on a conveyor belt. Global-economic-growth-will-moderate-as-the-labor-force-shrinks.

Global economic growth will moderate as the labor force shrinks

Global economic growth is expected to moderate over the next 15 years in relation to prior decades, according to economists at The Conference Board.

December 11, 2025

Life insurance and annuities: Reassuring ‘tired’ clients in 2026

When people ask me what I see for life insurance and annuities in 2026, I always start here: Clients are tired.

December 11, 2025
Image shows a home graphic and a credit report
Insurers can add a “credit score penalty” to homeowner’s insurance in every state except California, Maryland and Massachusetts.

‘Credit score penalty’ doubling the cost of insurance for some, CFA reports

In all but three states it’s often more expensive for homeowners to have poor credit than to live in an area with a high risk of natural disasters.

December 10, 2025
Artificial intelligence patenting in insurance is becoming a high-stakes, highly concentrated race dominated by a handful of U.S. carriers.

Most insurance AI patents come from just 3 U.S. insurers, study finds

Artificial intelligence patenting in insurance is becoming a high-stakes, highly concentrated race dominated by a handful of U.S. carriers.

December 10, 2025

What your homeowners insurance doesn’t cover anymore

The rise of “junk” policies and what consumers must know.

December 10, 2025

Insurance Compact warns NAIC some annuity designs ‘quite complicated’

In one product trend, regulators are seeing more guaranteed living withdrawal benefits attached to non-variable annuities.

December 9, 2025
Image shows a group of protesters.
Consumer adcocates begged state insurance regulators to preserve access to healthcare services.

Advocates warn of ‘significant time bomb’ with healthcare barriers

Advocates urged regulators Monday to focus efforts on health care coverage access during the National Association of Insurance Commissioners’ fall meeting.

December 9, 2025
Picture of the U.S. Capitol building with a sign that says "Senate Democrats to Force ACA Vote."

Senate Dems to force ACA vote while competing plans float in the House

The Senate is expected to vote later this week on a Democratic proposal to extend expiring enhanced Affordable Care Act tax credits and prevent health insurance premiums from skyrocketing for millions of Americans.

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