Life & Health Insurance Products:
Health Care, Disability, Long-Term Care, Annuities, & Life Insurance Products

Recently Released!!!
Date Published: May 10, 2023
Summary PowerPoint Deck: 306 Slides
Reference PowerPoint Deck: 1,792 Slides

The purpose of this research is to provide readers with a comprehensive understanding of the wide range of life & health insurance products, many used by consumers to protect themselves from various life risks, including health care, disability, long-term care, annuities, & life insurance. Another Tiburon research topic also addresses life insurance in the estate planning context. And yet another Tiburon research topic addresses life & health insurance agents as a distribution channel. This research is part of Tiburon's broader coverage of insurance products and its even broader coverage of financial products & services.

This research addresses the historical phases of life & health insurance products, including:
  • Early Phase
  • Health Savings Accounts (HSAs) Phase
  • Financial Crisis Phase
  • Affordable Care Act (Obamacare) Phase
  • Fee-Based Life Insurance & Annuities Phase
This research defines distinct product segments of life & health insurance, including:
  • Health Insurance
    • Health Care Insurance
    • Disability Insurance
    • Long-Term Care Insurance
  • Life Insurance & Annuities
    • Annuities
    • Life Insurance
And this research makes several future predictions for life & health insurance products, including:
  • Moderate Market Growth of Life & Health Insurance Products
  • Baby Boomers' Retirement to Potentially Drive Increased Annuities & Long-Term Care Insurance Sales
  • Potential Interest Rate Increases to Potentially Drive Increased Fixed Annuities Sales
  • Potential Income Tax Rate Increases to Potentially Drive Increased Annuities & Life Insurance Sales
  • Potential Return of Department of Labor (DoL) Fiduciary Standard to Potentially Drive More Cost Competitive Annuity Products
  • Likely Estate Tax Exemption Expiration to Potentially Drive Increased Life Insurance Sales

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