Artificial intelligence is reshaping the annuity industry by "enhancing the agent experience, streamlining carrier interactions and unlocking new ways to deliver value to clients," writes Thomas Bumbolow of American Life. Offering real-time sentiment analysis during client calls, simplifying suitability requirements and streamlining replacement business are among the ways Bumbolow notes the technology is optimizing annuity operations.

Regular insurance reviews are crucial for small-business owners to avoid unexpected coverage gaps, writes JoAnne Hammer of Insurance Canopy. Rather than waiting for renewal notices or relying on auto-payments, clients should proactively assess their policies to ensure alignment with current operations. Treating insurance like a routine checkup helps identify and address issues before they lead to costly claims or losses, Hammer writes.

Record US annuity sales are being driven in part by private equity investment, fueling both product innovation and distribution, says LIMRA Senior Vice President and Head of Research Bryan Hodgens. The capital influx enables insurers to deploy more products and leverage reinsurance for capital management. Private equity is also backing distribution networks, such as independent marketing organizations and commission-free platforms.

Gregory Kanarian of Natixis Investment Managers plans to accelerate charitable giving in 2025 in light of changes from the recently passed tax and spending legislation, including a new 0.5% adjusted gross income floor. Kanarian suggests that financial advisors work with clients to accelerate giving in 2025, using donor-advised funds and appreciated stock. "Donating low basis shares in lieu of cash can provide a double tax benefit: It avoids capital gains tax on the appreciation, and the taxpayer can take a charitable deduction equal to the stock's current market value," Kanarian writes.

The Federal Reserve is expected to cut its benchmark rate by 25 basis points today, bringing it to a range of 3.75%-4%. Policymakers are moving to support the economy amid signs of a cooling labor market and subdued inflation, even as data gaps from delayed government reports cloud the outlook. The decision reflects a precautionary step to sustain growth and maintain confidence while leaving the door open for further adjustments if economic conditions weaken.

Organic growth stands out as the most reliable indicator of a firm's long-term health, demonstrating that a company is retaining clients, building strong relationships and attracting new business through reputation and referrals, rather than relying solely on acquisitions, writes Christian Mango of OneDigital. Firms with consistent organic growth have scalable processes, empowered advisors and a resilient business model, making their equity fundamentally more valuable, Mango writes.