The Annuity Insider Report: First Quarter 2026

Overview

Who Should Join

LIMRA Members Only

Highlights

Favorable macro conditions continue to underpin the annuity market, with interest rates remaining attractive and equity markets pushing to new highs amid episodic volatility. This environment has helped fuel a fourth consecutive year of record-breaking annuity sales, led by strong demand for protected growth and lifetime income solutions. However, as potential rate cuts take hold and uncertainty lingers, the outlook is becoming more complex. How will annuity carriers adapt? Which forces will sustain growth—and which may challenge it?

Join us as we break down first quarter results, assess the key drivers shaping industry dynamics, and look ahead to the trends that could define growth from 2026 through 2028. Keith Golembiewski and Teddy Panaitisor will provide actionable, data-driven insights to help you stay ahead in a shifting market.

Presenters

Keith Golembiewski

Assistant Vice President and Director of Annuity Research, LIMRA and LOMA

Keith Golembiewski

Assistant Vice President and Director of Annuity Research, LIMRA and LOMA

In 2024, Golembiewski became the director of LIMRA’s annuity research program. In this capacity, he leads the team responsible for LIMRA’s annuity benchmark sales studies, as well as all annuity trending and insights research. Prior to 2024, he was senior director of LIMRA’s strategic research program, leading the research efforts on key enterprise-wide initiatives, including the direct-to-consumer market, industry scenario planning, and a targeted program of hot topic insights for members.

Golembiewski has more than 25 years of experience in strategic research and competitive intelligence at leading insurance organizations including Prudential Financial, The Hartford, and the American Council of Life Insurers (ACLI). He holds a Bachelor of Arts in Economics from Connecticut College.

Teodor (Teddy) Panaitisor

Assistant Research Director, Annuity Research , LIMRA and LOMA

Teodor (Teddy) Panaitisor

Assistant Research Director, Annuity Research , LIMRA and LOMA

Teodor (Teddy) joined the LIMRA Secure Retirement Institute in 2015 and is responsible for supporting the individual annuity research program, which includes assisting with benchmarking surveys and supporting the annuity contract level data reporting initiative. Prior to joining LIMRA, he earned his B.S. in Marketing and B.A. in Psychology from Central Connecticut State University (CCSU) in 2014. While at CCSU, he collaborated on various government and academic research projects developing a solid understanding for proper research methodology and statistical analysis.

Contact us to learn more:

Debbie Boone

Event Coordinator

LimraMemberBenefits@limra.com