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To community members, users and readers of the American Life Insurance Guide:
2022, happy new year.
TheLifeTank.com
I. Key Word of the Year-"Pandemic"
In the shadow of the new crown virus epidemic, 2021 will officially end.
This year, despite the help of vaccines, we still haven't gotten rid of the threat of the virus.The epidemic has caused the average life expectancy of American residents to experience the biggest drop since World War II.
The high mortality rate caused by the epidemic in early 2021 has caused American life insurance companies to pay for it.Death benefit, Reaching the highest level in history(Related reports)—— “Compared with a typical quarter, (insurance claims) almost doubled."
II. Relief and Opportunity-"Economic Stimulus Act"
Under the impact of the "epidemic", the newly appointed Biden administration signed a series of economic stimulus bills to provide policy and regulatory assistance to various industries.
For the end of 2020, according toAG49 Regulatory RegulationsFor the major life insurance companies that have just adjusted and upgraded their products, the implementation of the relevant rules of the new rescue bill has brought a new round of insurance product adjustments across the industry.
For the relatively stable and even conservative American life insurance market, this kind of frequent replacement of insurance products is a rare phenomenon.
For mature policyholders and investors with clear goals, we believe thatThis may be a "More favorable"The situation(Evaluation report).
III. Industry Memorabilia-The Capital Wave under the "Pandemic"
Blackstone acquires insurance policies of Allstate Statewide Insurance Company(Related reports）, MassMutual Mutual Insurance Merger and Acquisition of Great American Life Insurance Company(Related reports）, Apollo Investment Group enters the Athene Annuity Insurance Company(Related reports ）, Brookfield acquires American National Group(Related reports ）, Principal Principal Insurance withdraws from personal life insurance and the market(Related reports）...
In 2021, with the impact of the epidemic on the economy, mergers, reorganizations and acquisitions in the North American insurance industry have become particularly active.
Along with these business activities, the insurance policies of the relevant policyholders and the insurance assets of the investors may be packaged and resold, or they may face changes in the management team and methods.Benign mergers and acquisitions have a positive and positive effect on the interests of policyholders.
On the other hand, the American Life Insurance Guide ©️ in 2021Follow news reportsIt was pointed out that three years after a well-known financial insurance company withdrew from the market and sold life insurance policies, the interests of related policyholders once again aroused concern, and at the same time caused uneasiness among sales agencies (Follow-up report).
At the same time, how can the interests of policyholders and the interests of newly-entered private equity giants coexist in a balanced manner?(Related reports）?The American Life Insurance Guide©️ will maintain further long-term observations.
How to choose and evaluate the life insurance company and insurance products that suit you has become the primary goal of policyholders and investors.
And in this process, professionalLife Insurance Financial AdvisorThe assistance is very important.
IV. New Concept of Insurance – ESG
Snowstorm that hit Texas in February 2021(Related reports）, June created a new record of high-temperature weather in Oregon and Washington, and at the end of the year swept through Arkansas, Missouri, Illinois, Tennessee, and Kentucky with abnormal tornadoes...
The impact of various extreme weather events and the post-disaster impact on society and residents constantly remind us,Insurance plays an active role in protecting each of our families and businesses.From the perspective of long-term interests, it also highlights the importance of environmental protection and sustainable development.
In 2021, the ESG concept of environmental (Environmental), social (Social) and governance (Governance) as important pillars of sustainable development will be in the ascendant in the US financial and insurance industry.
Mainstream insurance companies have begun to engage in ESG-centric insurance asset portfolios.It provides an environmentally friendly and socially harmonious investment method for policyholders, investors and insurance companies.
By choosing different insurance companies and different insurance products——The choice of "value concept", So that every insured can have a positive impact on environmental protection, social impact and corporate governance.
Will ESG become one of the criteria for future policyholders and investors to measure an American life insurance company?We will wait and see.
V. Community Development
2021 years 3 months,American Life Insurance Guide(Formerly uslifeinsuranceguru.com) With the help of community volunteers, the overall migration to AWS was completed, and the new international English domain name was officially launched:TheLifeTank.com,AbbreviationTLT.
American Life Insurance Guide©️Community members continue to support and donateWikipedia Foundation.
VI. Looking forward to 2022
in New Year,American Life Insurance Guide©️With the support of the new registered investment advisory agency and registered financial planning consultant, it will continue to expand the boundaries of the financial and insurance knowledge field in the United States, and provide Chinese policyholders and investors with more professional and comprehensive information services.
As an Internet financial insurance knowledge service organization based in North America,American Life Insurance Guide©️will continue to uphold"Return to common sense"The principle of value judgment provides a wealth of professional information for every Chinese family, and becomes an important reference tool for policyholders on the road to understanding and learning American financial and insurance knowledge.
The American Life Insurance Guide©️The mission of the community (Mission) is,Through knowledge sharing and education, help the public understand, professionalInsurance officerIt plays an important role in helping individuals, families and businesses plan the most suitable insurance products for their needs.
The American Life Insurance Guide©️ The vision of the community is,Help every Chinese family fully understand American life insurance knowledge and information, understand the experience and key points of insurance financial planning, so as to obtain products that can truly protect themselves and their loved ones.
American Life Insurance Guide©️The community looks forward to your joining. (End of full text)
(>>>Related reading:American Life Insurance Guide 2021 Annual Report )
(>>>Related reading:American Life Insurance Guide 2020 Annual Report )
(>>>Related reading:American Life Insurance Guide 2019 Annual Report )
(>>>Related reading:American Life Insurance Guide 2018 Annual Report )
