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Insurers guides
Why annuity sales hit recordsU.S. annuity sales topped $461 billion in 2025 per LIMRA. What drove the run of records, which products grew, and what record sales mean for buyers.Careers in life insurance: agents, underwriters and actuariesWhat life insurance agents, underwriters and actuaries do, what they earn and how each job is changing, from the Bureau of Labor Statistics' 2026 outlook.Demutualization: when a mutual insurer goes publicHow a policyholder-owned mutual becomes a stock company, what policyholders received, and the 2000-2001 wave: MetLife, John Hancock, Principal, Prudential.GLP-1 drugs like Ozempic and life insurance underwritingHow insurers weigh GLP-1 drugs such as Ozempic and Wegovy, what reinsurers have published about weight regain and mortality, and how to prepare an application.How life insurance companies make moneyThe five profit sources of a life insurer (spread, mortality, fees, expenses, lapses), a hypothetical example, and how mutual and stock companies differ.How life insurers invest your premiumsWhere life insurers put premium dollars: NAIC year-end 2025 data on bonds, mortgages and private assets, plus what it means for the safety of your policy.The 100 largest life insurance companies in the U.S.The 100 largest U.S. life insurance groups by 2024 individual life premiums (NAIC): the top 25 in a table, the rest by type, and what size does not tell you.The life insurance coverage gap: who is underinsured and whyNearly four in ten U.S. adults say they need coverage or more of it. Who is most exposed, why the gap persists, and how to measure and close your own.Life insurance industry trends to watchSeven trends reshaping U.S. life insurance in 2026: record annuity and life sales, private-equity ownership, block deals, a big merger, and tighter oversight.Jobs in life insurance: hiring, layoffs and automationWhere life insurance jobs are shrinking or growing and how automation is changing underwriting, claims and sales, using BLS and industry survey data.Life insurance mergers and acquisitionsHow life insurer deals work, the 2022-2026 wave (Corebridge-Equitable, Brighthouse, Banner Life, Resolution Life) and what they mean for policyholders.Are life insurance prices going up or down?No single public index tracks life insurance prices. What drives them, which way each driver points in 2026, and how to test the market yourself.Life insurance sales trends: who is buyingLIMRA data on record 2025 life sales, the tilt toward whole life and IUL, Q2 2026 results, ownership rates and the coverage gap, and what the figures miss.Mortality trends and how they move life insurance pricesLife insurance prices follow expected death rates. What CDC and SSA data show about U.S. mortality, and why insured-population trends move prices slowly.Mutual vs stock life insurance companiesMutual insurers are owned by policyholders and stock insurers by shareholders. What that changes about dividends, governance and safety, and what it doesn't.Whole life dividends: how participating policies payHow participating whole life pays dividends, where the money comes from, 2026 payouts announced by major mutuals, and why none are guaranteed.Reading a life insurer's earnings reportA plain-English guide to life insurer earnings: GAAP vs adjusted income, assumption reviews, spread, RBC ratios and the filings where each number lives.Reinsurance: the insurers behind your insurerHow life reinsurance works, why insurers buy it, who the big reinsurers are and what it means for your policy, with figures from their own 2025 reports.