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For 30 years, LIMRA MarketFacts has been the premier publication for financial services executives worldwide. Our mission is to bring the latest, most pertinent industry information to our readership — whether it is derived from industry research, company best practices, or insightful thought leadership. LIMRA MarketFacts offers unmatched content by inviting authorship from representatives of companies in LIMRA’s vast member roster, as well as from LIMRA’s internal subject matter experts and global thought leaders impacting the financial services arena.

Why is LIMRA MarketFacts different from other industry trade publications? Because we concentrate on developing in-depth, insightful articles devoted to the critical issues of the day impacting financial services industry decision-makers. By blending exclusive perspectives from LIMRA’s renowned research team and marketing experts with the industry’s top thought leadership, LIMRA MarketFacts provides the latest information on how companies can maximize their marketing and distribution effectiveness in an ever-evolving environment.

In these turbulent times, it is imperative that you have access to the best thinking on the forces driving change in the financial services industry. LIMRA MarketFacts is the vehicle that industry executives turn to most for LIMRA’s longstanding brand in research excellence.

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Advertising in LIMRA MarketFacts leverages the trust we’ve built with our members and readers over the last century. It offers an unparalleled opportunity to access an audience of executive-level decision makers in the financial services industry. For detailed information on advertising (including ad rates, specs, and publication schedule), please download a PDF of our media kit.
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MarketFacts - Number 4 - 2015

LIMRA MarketFacts

Number 4, 2015

by Nilufer R. Ahmed, Ph.D., LIMRA

This article, based on information from recent LIMRA online surveys and focus group discussions, describes Chinese Americans’ attitudes and current financial behaviors with respect to savings and investments. It also includes suggestions to help them attain their savings goals.

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by Jafor Iqbal, LIMRA Secure Retirement Institute; Joseph E. Montminy, ASA, MAAA, LIMRA Secure Retirement Institute

When assessing risk and liability for insurance companies, it is critical to understand how withdrawal behavior affects surrenders in variable annuities with guaranteed lifetime withdrawal benefits. This article examines two aspects of this relationship: the connection between withdrawal behavior by age and surrender rates, and the correlation between withdrawal amounts as a percentage of maximum withdrawal allowed in the contract and surrender rates.

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by Jennifer L. Douglas, LIMRA

This article discusses how LIMRA’s recent behavioral economics research — specifically around the phenomenon of social norming — can inform our understanding of how people think about life insurance. It shares lessons learned from testing the social norming theory with nonowners and offers some suggestions for shifting the conversation going forward.

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by Peter D. Geismar, Confident Choice; Burt Shulman, ESE Advisory Group

The effectiveness of financial service providers depends not only on managing pre-retiree assets, but also managing — and understanding — pre-retirees’ emotions, which can seem as anxious as the last decade’s markets. This article offers guidance on how to build clients’ confidence in financial planning, boost their sense of control, and help them take action.

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by Scott R. Kallenbach, FLMI, LIMRA

This article shares the collective view of the more than 40 industry leaders who participated in LIMRA’s annual predictions webinar. They comment on topics including the single greatest challenge likely to face the financial services industry in 2016, the proposed DOL fiduciary standard, and direct-to-consumer distribution strategies.

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by John Wilson, FLMI, AIRC, ACS, LIMRA

For companies looking to establish or strengthen their big data program, this article provides a guide for assessing current capabilities and aligning strategies to future objectives. It shares a framework that includes five key dimensions: data considerations, tools, skills, privacy/compliance, and management support.

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by Thomas E. Niles II, LIMRA

This article provides some practical approaches that will help companies realize greater value from their business intelligence efforts — such as modifying delivery processes, adding roles to support business and data readiness, relaxing IT standards, and using new technologies in targeted ways.

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by Yuliya Babushkina, LIMRA

Presenting recent LIMRA research among Canadian employers, this article shares their current practices, preferences, and perspectives on the carriers they use for retirement and group insurance benefits. It also offers suggestions on how to encourage more employers to consider using one carrier for all their needs.

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by Daniel J. Flynn, MetLife Premier Client Group

Many companies have applied the concept of teaming as a business strategy to respond to the demands made on individual advisors and firms by today’s more sophisticated clients. In this article, Daniel Flynn answers three of the most important questions he regularly receives about implementing and supporting a team-based model for financial services: What organizational models work best? How do teams decide on a compensation model? And what does the teaming support model look like?

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by Patrick T. Leary, LLIF, LIMRA

This article shares a SWOT analysis to help banks and credit unions develop a full understanding of the strengths, weaknesses, opportunities, and threats to establishing and growing a successful life insurance program within the middle market.

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by Heather Lavallee, Voya Financial

In this View From the Top article, Voya Financial’s President of Employee Benefits Heather Lavallee discusses how employers should give equal and simultaneous attention to employees’ “health and wealth.” To provide a truly holistic benefits package, companies can take an inclusive approach to help reduce employee stress (and, in turn, reduce health care costs and improve productivity).

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by David Silverstein, BMGI

In this article, David Silverstein shares a call to action for companies that want to take advantage of big data and advanced analytical tools: Executives must take an active role, establish the program’s goals through business strategy, and work together with analysts to get the most value from investing in these technologies.

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by Norah Denley, LIMRA

Entries to the 2015 LIMRA LOMA Silver Bowl Awards for Social Media Excellence demonstrate how to leverage social media to achieve strategic business success within the framework of today’s social environment. They also show how to effectively use social to connect with people around common points of interest. This article highlights some of the best approaches by award category.

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by Lauren J. Finnie, LIMRA

This article provides highlights from a consumer perspective study LIMRA conducted in partnership with the Society of Actuaries on one of the most noteworthy markets facing the impending retirement crisis today: China. It reviews the existing pension system, social security coverage and adequacy, what retirement means to China’s consumers, and other key findings.

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by Kimberly A. Landry, LIMRA

In a recent study, LIMRA uncovered a number of surprising ways that cognitive shortcuts influence insurance buying decisions, many of which can be applied to employee benefits. This article outlines four ways carriers can use behavioral economics principles to help employees make better benefits decisions.

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by Breana Macken, LIMRA

LIMRA’s recent Young Advisor Series takes a comprehensive look at the experiences of today’s young investment and insurance professionals. This article reviews five areas that emerged as key insights and takeways in sharing the research findings with LIMRA members, field leaders, advisors, and agents.

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Mary-Beth Selby


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