We're introducing a new “cutting edge” wealth accumulation predictive framework, the predictive equity analytics (PEA) for life products (annuity, insurance, group employer benefits, retirement plan). PEA enables life insurers and policyholders to avoid market downturns and capture returns from equities (stocks, ETFs and mutual funds) predicted to increase in next one to three trade days via fund prediction advisory by insurers, additionally by individual policyholders. The capability does not exist in insurance markets nor in financial intermediary markets.
Control of assets under management is placed in the hands of the policyholder, insurer and financial intermediary in any desired combination to accelerate fund accumulation and mitigate fund payout longevity risk. We examine the strategic benefits of PEA implementation to life insurers (product design, field distribution, AUM growth and retention), as well as to individual policyholders from different viewpoints and goals. The intention is to “bring to life” PEA wealth accumulation features to the mutual benefit of group and individual policyholders.