- Hybrid Long-Term Care
One strategy, two possible outcomes
by Carroll Golden
September is National Preparedness Month, a reminder that the best time to prepare for a risk is before it becomes a crisis. For financial professionals, that makes it an ideal time to talk with clients about a risk that can dramatically alter even a well-designed retirement plan: the need for long-term care.
read more - The Insurance Alignment Gap
Where insurer priorities and customer protection needs converge…and diverge
Majesco, the insurance industry’s foremost innovator in AI-native and cloud-native software, has announced the release of the latest thought leadership report, The Insurance Alignment Gap: Where Insurer Priorities and Customer Protection Needs Converge…and Diverge, based on Majesco’s latest research.
read more - 2026 U.S. Life Insurance Sales
U.S. individual life insurance sales continue growth trend in the second quarter, led by whole life and VUL
Total U.S. individual life insurance new annualized with excess premium rose 3% year over year to $4.7 billion in the second quarter of 2026, according to preliminary results from LIMRA’s U.S. Life Insurance Sales Survey.
read more - U.S. Life Insurance Application Activity Achieves Sixth Consecutive Month of Double-Digit Growth in July 2026
Growth for ages 30+, in the double digits for ages 40+
U.S. life insurance application activity saw double-digit Year-over-Year (YOY) growth in July 2026 compared to July 2025, with activity up +14.7%, representing the sixth consecutive month of double-digit growth.
read more - Caregivers And Retirement
Unpaid caregiving is taking a toll on retirement confidence, debt and financial security
New research published by the Employee Benefit Research Institute (EBRI) and Greenwald Research finds that unpaid caregivers face greater financial strain, lower retirement confidence and more concern about future retirement risks than Americans who are not unpaid caregivers.
read more - Protecting The Disability Continuum
Why short-term disability coverage is essential in a paid family & medical leave world
Voya Financial, Inc. (NYSE: VOYA) a leading retirement, employee benefits and investment management company, has released new thought leadership examining the evolving landscape of paid family and medical leave (PFML) and the broader implications for workforce financial security.
read more - Higher Exposure To Level 3 Bonds Brings Valuation Risk For Life/Annuity Segment
The life/annuity segment is fueling the industry’s Level 3 bond holdings
The U.S. insurance industry’s investments in Level 3 assets more than doubled in the last 10 years to $592 billion in 2025 with the life/annuity segment driving the growth, according to a new AM Best report.
read more - Employers Face A Retirement Readiness Gap, And Pressure Is Mounting To Prove Plans Work
3 in 4 employers rank retirement savings as a high priority, while 4 in 5 are willing to use AI for plan analytics and monitoring
U.S. employers are facing a clear retirement readiness challenge: they value defined contribution (DC) plans, but many still lack a precise view of whether those plans are helping employees retire on time and with confidence.
read more - Opportunities And Barriers To ICHRA Adoption
Many employers are evaluating ICHRAs, but broader adoption hinges on individual market confidence, implementation support and employee decision-making readiness
New research published by the Employee Benefit Research Institute (EBRI) and Morgan Health, a division of JPMorganChase, identifies opportunities and barriers to broader adoption of Individual Coverage Health Reimbursement Arrangements (ICHRAs).
read more - Homeowner Parents Face A Dual Caregiving Crisis
Homeowners forced to make trade-offs with real, long-lasting consequences
A new national survey* commissioned by Unlock, a leading provider of home equity agreements (HEAs), reveals that homeowners who are also parents are navigating a financial squeeze that goes well beyond the typical cost-of-living pressures.
read more - Shaping The Future Of Financial Well-Being
Financial wellbeing of employees at U.S. companies hits four-year high, even as cost-of-living pressures persist
Bank of America has released its 2026 Workplace Benefits Report (PDF) in partnership with Bank of America Institute, revealing American workers are taking proactive steps to improve their financial wellbeing and save with greater confidence.
read more - Most Americans Want Financial Guidance…
But aren’t getting it
MassMutual released its 2026 Financial Habits Report today. Nearly two-thirds of Americans avoid important financial decisions due to anxiety or overwhelm
read more - Building a Modern Pension Plan Without Starting from Behind
A clean slate, but not a simple one
by Denise Garth, Chief Strategy Officer, Majesco and Jessica Hurley, Senior Specialist in Strategic Marketing at Majesco
In the latest podcast episode of Future of Retirement, we spoke with Barbara Zvan, President and CEO of University Pension Plan (UPP), and Brian Gill, UPP’s Chief Technology Officer, about what it really takes to build a modern pension organization from the ground up.
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