Year-End 2017 US life-annuity statutory results review

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      <subfield code="a">Year-End 2017 US life-annuity statutory results review</subfield>
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      <subfield code="a">Operating results for the US life/annuity (L/A) market in 2018 were generally positive, despite some negative factors. A.M. Best expects the life market to grow in 2018, owing to higher interest rates and continued demand from consumers for both protection and accumulation products. The industry is well positioned to benefit from interest rate hikes through new money investments and de-risked product liabilities written in the low interest rate environment. Capital has also been built up, which can help companies withstand future market shocks. A.M. Best expects mid-single digit growth for the life industry overall in 2018, on a mix of premiums and policy count growth. Ongoing innovation should also bolster growth, as companies learn to make effective use of digital capabilities for future sales</subfield>
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