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