From the Field: Expert Insights

Caregiving is shaping families in a powerful way.

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.

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

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

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

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

Many parents are looking for ways to build financial security for their children despite rising costs.

Current trends point to a meaningful uptick in annuity adoption in the coming year.

When individual coverage health reimbursement arrangements launched in January 2020, they ushered in a new era of flexibility in employer-sponsored health benefits.

An executive order issued by President Donald Trump in August encouraged U.S. regulators to make it easier for retirement savers to incorporate alternative assets into their portfolios.

It is true that future market returns are relevant to how these policies perform, but the bigger issue is the caps on the upside, which are typically set by the insurance carrier.

Several trends are on track to converge in 2026 and boost the perceived value of personal cyber coverage.

Although the lifetime exemption under the One Big Beautiful Bill Act is described as “permanent,” in Washington that means until the next presidential election cycle!

FAIR Plans were created in the 1960s as a temporary public policy response to a market failure.

The solution the industry needs now doesn’t require eliminating IUL. It requires fixing IUL.

What do these plans include and who are they for?

There has been a developing trend of cancers being diagnosed at earlier adult ages.

Pharmacy costs remain one of the toughest challenges in employer-sponsored health plans, and comprehensive federal reform is likely a long way off.

Establishing a successful and seamless succession requires time and skills.