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October 2025

Gold, Not Tariffs, Saved the 1890s

By Kerry Pechter

President Trump said his "Liberation Day" tariffs would boost the U.S. economy the way President William McKinley's tariffs did in the 1890s. But the boom of the 1890s came from huge gold strikes and the Spanish-American War, not tariffs.  

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A Look at Nine RILA Income Riders

By Kerry Pechter

We examine the lifetime income riders on registered index-linked annuity contracts from the six largest RILA sellers (Equitable, Allianz Life, Prudential, Brighthouse, Lincoln, and Jackson) plus those from Principal, Pacific Life, and TruStage (part of CUNA Mutual Group).

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How Life Insurers Changed Alt-Asset Managers

By Kerry Pechter

A new research paper from Harvard Business School and State Street documents how publicly-traded alternative asset managers have channeled hundreds of billions of dollars from annuity issuers into their private credit operations.

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