Reinsurance helps life insurers transfer risk and release capital. But when it's internal--between affiliates--and the reinsurer is offshore, it's hard to tell if the deal is real or just 'regulatory arbitrage.'
In the near future, I plan to turn the RIJ website into a free library of information on retirement income planning. Before then, I hope to revise 'Annuities for Dummies.'
A recession today could reduce a new retiree's ability to pay for assisted living or nursing care services or long-term care 20 years from now, among other effects, writes our guest columnist.