Dutch Pensions Go Collective

By Kerry Pechter

Today’s financial Goldilocks moment—with strong equity returns and robust fixed income yields—creates favorable conditions for the Netherlands to complete its long-planned switch from traditional private defined benefit plans to 'collective defined contribution.' 'You can almost call it a tontine,' a Dutch pension consultant told RIJ.

The Year of Living Uncertainly

By Kerry Pechter

The life insurance industry is sensitive to changes in interest rates and in regulations, and President Trump appears bent on lowering rates and removing regulations that he doesn't like in the coming year. We may also wake up on any given morning to hear that he's annexed an independent foreign country.

It’s Time to Raise the State Guaranty Fund Limits

By Paul McGillivray

State guaranty association coverage limits could also address the question of what is covered when lifetime income riders and enhanced death benefits are a benefit of the in-force annuity. Clarifying this 'rider question' might forestall much unnecessary litigation.

RIJ and ChatGPT Discuss ‘Business Development Companies’

In the many-layered world of private credit, 'business development companies' are an important component. Their bland name tells us nothing. But what are they exactly, and what role could they play in the democratization of high-yield private credit? We asked ChatGPT.

News from around the Bermuda Triangle

Corebridge moves the last of American General's variable annuity business to Venerable, which is partly owned by Apollo and Athene. AM Best confirmed the ratings of Bermuda reinsurers of Prudential Financial (partnering with Warburg Pincus) and Kuvare. KBRA affirmed the ratings of Soteria Re, the offshore reinsurer of Fidelity Investment Life Insurance.

Data Connection: Data Connection

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