CNO Financial (CNO) came out with quarterly earnings of $0.52 per share, missing the Zacks Consensus Estimate of $0.64 per share. This compares to earnings of $0.51 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -18.75%. A quarter ago, it was expected that this insurance holding company would post earnings of $0.85 per share when it actually produced earnings of $1.18, delivering a surprise of 38.82%.Over the last four quarte ...

[Consolidated Balance Sheet](index=3&type=section&id=Consolidated%20balance%20sheet) CNO Financial Group's March 2024 balance sheet shows decreased assets and liabilities, with increased shareholders' equity and book value per common share, reflecting improved financial health Consolidated Balance Sheet Highlights (Dollars in millions) | Metric | Mar-23 | Dec-23 | Mar-24 | | :----------------------------------- | :------- | :------- | :------- | | Total Assets | $34,015.0 | $35,102.5 | $34,939.7 | | Total Liabilities | $31,983.2 | $32,886.9 | $32,572.0 | | Total Shareholders' Equity | $2,031.8 | $2,215.6 | $2,367.7 | | Book Value per Common Share | $17.68 | $20.26 | $21.81 | | Fixed maturities, available for sale, at fair value | $21,107.1 | $21,506.2 | $21,648.1 | - Total Shareholders' Equity increased by **$152.1 million (6.8%)** from December 2023 to March 2024, and by **$335.9 million (16.5%)** year-over-year from March 2023[5](index=5&type=chunk) - Book Value per Common Share rose to **$21.81** in March 2024, up from **$20.26** in December 2023 and **$17.68** in March 2023, reflecting an increase of **7.7%** quarter-over-quarter and **23.4%** year-over-year[5](index=5&type=chunk) [Consolidated Statement of Operations](index=4&type=section&id=Consolidated%20statement%20of%20operations) 1Q24 consolidated operations show significant net income improvement over 1Q23, driven by increased revenues and a favorable investment gains environment Consolidated Statement of Operations Highlights (Dollars in millions) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :----- | :----- | :--------- | | Total Revenues | $1,006.0 | $1,156.5 | +14.96% | | Insurance policy income | $625.5 | $628.4 | +0.46% | | Net investment income (General account assets) | $292.2 | $301.9 | +3.32% | | Total investment gains (losses) | $(14.6) | $7.8 | N/A | | Total Benefits and Expenses | $1,007.0 | $1,010.3 | +0.33% | | Income (loss) before income taxes | $(1.0) | $146.2 | N/A | | Net income (loss) | $(0.8) | $112.3 | N/A | - Net income significantly improved from a loss of **$0.8 million** in 1Q23 to a gain of **$112.3 million** in 1Q24[7](index=7&type=chunk) - Total investment gains (losses) shifted from a loss of **$14.6 million** in 1Q23 to a gain of **$7.8 million** in 1Q24[7](index=7&type=chunk) [Financial Summary](index=5&type=section&id=Financial%20summary) 1Q24 financial summary shows slightly decreased net operating income but substantially improved net income over 1Q23, driven by a positive shift in non-operating income Financial Summary Highlights (Dollars in millions, except per share data) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :----- | :----- | :--------- | | Total insurance product margin | $221.2 | $229.6 | +3.79% | | Net operating income | $58.6 | $57.5 | -1.88% | | Net non-operating income (loss) | $(59.4) | $54.8 | N/A | | Net income (loss) | $(0.8) | $112.3 | N/A | | Net operating income per diluted share | $0.51 | $0.52 | +1.96% | | Net income (loss) per diluted share | $(0.01) | $1.01 | N/A | - Net non-operating income (loss) significantly improved from a loss of **$59.4 million** in 1Q23 to a gain of **$54.8 million** in 1Q24[9](index=9&type=chunk) - Total insurance product margin increased by **3.79%** year-over-year to **$229.6 million** in 1Q24[9](index=9&type=chunk) [Insurance Operations](index=6&type=section&id=Insurance%20operations) CNO Financial Group's 1Q24 insurance operations show increased total product margin, driven by health and life growth, despite a slight decline in annuity margin Insurance Operations Highlights (Dollars in millions) | Metric | 1Q23 | 1Q24 | YoY Change | | :-------------------------- | :----- | :----- | :--------- | | Total insurance product margin | $221.2 | $229.6 | +3.79% | | Annuity margin | $57.3 | $52.0 | -9.25% | | Health margin | $116.5 | $123.0 | +5.58% | | Life margin | $47.4 | $54.6 | +15.19% | | Net operating income | $58.6 | $57.5 | -1.88% | - Health margin increased by **$6.5 million (5.58%)** and Life margin increased by **$7.2 million (15.19%)** year-over-year in 1Q24[11](index=11&type=chunk) - Annuity margin decreased by **$5.3 million (9.25%)** in 1Q24 compared to 1Q23[11](index=11&type=chunk) [Margin from Insurance Products](index=7&type=section&id=Margin%20from%20insurance%20products) [Margin from Annuity Products](index=7&type=section&id=Margin%20from%20Annuity%20Products) 1Q24 annuity product margin decreased from 1Q23, mainly due to lower fixed indexed annuities margin and a reduced overall margin/average net insurance liabilities Annuity Margin Highlights (Dollars in millions) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :----- | :----- | :--------- | | Annuity margin | $57.3 | $52.0 | -9.25% | | Margin from fixed indexed annuities | $46.5 | $43.4 | -6.67% | | Margin from fixed interest annuities | $9.1 | $7.6 | -16.50% | | Margin from other annuities | $1.7 | $1.0 | -41.18% | | Total annuity margin/average net insurance liabilities | 2.03% | 1.78% | -0.25 pp | - Fixed indexed annuities margin decreased by **$3.1 million (6.67%)** from 1Q23 to 1Q24[13](index=13&type=chunk) - The overall margin/average net insurance liabilities for annuities declined by **0.25 percentage points** year-over-year[13](index=13&type=chunk) [Margin from Health Products](index=8&type=section&id=Margin%20from%20Health%20Products) 1Q24 health product margin increased from 1Q23, driven by improved supplemental health and long-term care performance, resulting in a higher overall margin/insurance policy income Health Margin Highlights (Dollars in millions) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :----- | :----- | :--------- | | Total health margin | $116.5 | $123.0 | +5.58% | | Margin from supplemental health | $63.3 | $65.4 | +3.32% | | Margin from Medicare supplement | $26.1 | $26.5 | +1.53% | | Margin from long-term care | $27.1 | $31.1 | +14.76% | | Total health margin/insurance policy income | 29% | 31% | +2 pp | - Long-term care margin saw a significant increase of **$4.0 million (14.76%)** from 1Q23 to 1Q24[15](index=15&type=chunk) - The total health margin/insurance policy income improved by **2 percentage points** year-over-year[15](index=15&type=chunk) [Margin from Life Products](index=9&type=section&id=Margin%20from%20Life%20Products) 1Q24 life product margin increased from 1Q23, primarily due to strong traditional life product performance, despite a slight decrease in interest-sensitive life margin Life Margin Highlights (Dollars in millions) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :----- | :----- | :--------- | | Total life margin | $47.4 | $54.6 | +15.19% | | Margin from interest sensitive life | $22.8 | $22.5 | -1.32% | | Margin from traditional life | $24.6 | $32.1 | +30.49% | | Traditional life margin/insurance policy income | 14% | 18% | +4 pp | - Margin from traditional life products increased substantially by **$7.5 million (30.49%)** from 1Q23 to 1Q24[17](index=17&type=chunk) - The traditional life margin/insurance policy income improved by **4 percentage points** year-over-year[17](index=17&type=chunk) [Collected Premiums and Insurance Policy Income](index=10&type=section&id=Collected%20premiums%20and%20insurance%20policy%20income) 1Q24 total collected premiums and insurance policy income showed modest growth, with annuity and life products contributing, while health collected premiums remained stable Collected Premiums and Insurance Policy Income (Dollars in millions) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :----- | :----- | :--------- | | Total collected premiums | $1,010.4 | $1,035.4 | +2.47% | | Total annuity collected premiums | $370.9 | $393.3 | +6.04% | | Total health collected premiums | $404.9 | $404.8 | -0.02% | | Total life collected premiums | $234.6 | $237.3 | +1.15% | | Total insurance policy income | $625.5 | $628.4 | +0.46% | - Annuity collected premiums increased by **$22.4 million (6.04%)** year-over-year[19](index=19&type=chunk) - Total collected premiums grew by **$25.0 million (2.47%)** in 1Q24 compared to 1Q23[19](index=19&type=chunk) [Health and Life New Annualized Premiums (NAP)](index=11&type=section&id=Health%20and%20life%20new%20annualized%20premiums) 1Q24 total new annualized premiums (NAP) for health and life products increased, driven by growth in both Consumer and Worksite Divisions, particularly in health Health and Life New Annualized Premiums (NAP) (Dollars in millions) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :----- | :----- | :--------- | | Total NAP (both divisions) | $96.6 | $104.5 | +8.18% | | Total Consumer Division health and life NAP | $85.7 | $91.5 | +6.77% | | Total Worksite Division health and life NAP | $10.9 | $13.0 | +19.27% | | Total health NAP | $39.5 | $47.8 | +21.01% | | Total life NAP | $57.1 | $56.7 | -0.70% | - Total health NAP increased significantly by **$8.3 million (21.01%)** in 1Q24 compared to 1Q23[21](index=21&type=chunk) - Worksite Division health and life NAP showed strong growth of **19.27%** year-over-year[21](index=21&type=chunk) [Computation of Weighted Average Shares Outstanding](index=12&type=section&id=Computation%20of%20weighted%20average%20shares%20outstanding) 1Q24 weighted average shares outstanding, both basic and diluted, decreased from 1Q23, primarily due to share repurchases, indicating a market share reduction Weighted Average Shares Outstanding (Shares in thousands) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :--------- | :--------- | :--------- | | Weighted average basic shares outstanding | 114,544.9 | 108,963.9 | -4.87% | | Weighted average diluted shares outstanding | 114,544.9 | 110,844.9 | -3.19% | | Shares repurchased | (255.7) | (618.6) | +141.96% | | Shares outstanding, end of period | 114,905.2 | 108,568.6 | -5.51% | - Shares repurchased increased significantly from **(255.7) thousand** in 1Q23 to **(618.6) thousand** in 1Q24[23](index=23&type=chunk) - The weighted average basic shares outstanding decreased by **4.87%** year-over-year[23](index=23&type=chunk) [Annuities - Account Value Rollforwards](index=13&type=section&id=Annuities%20-%20account%20value%20rollforwards) 1Q24 total annuity account values increased, driven by higher new business issuances and interest credited, despite increased surrenders and withdrawals Annuities - Account Value Rollforwards (Dollars in millions) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :--------- | :--------- | :--------- | | Total annuities balance, beginning of period | $11,153.5 | $11,635.6 | +4.32% | | Issuances (funds collected from new business) | $368.6 | $390.5 | +5.94% | | Surrenders and withdrawals | $(221.5) | $(285.0) | +28.67% | | Benefit payments | $(86.9) | $(104.6) | +20.37% | | Interest credited | $17.4 | $80.3 | +361.49% | | Total annuities balance, end of period | $11,233.6 | $11,723.3 | +4.36% | - Interest credited to total annuities saw a substantial increase of **361.49%** from 1Q23 to 1Q24[26](index=26&type=chunk) - Surrenders and withdrawals for total annuities increased by **28.67%** year-over-year[26](index=26&type=chunk) [Consolidated Statutory Information of U.S. Based Insurance Subsidiaries](index=14&type=section&id=Consolidated%20statutory%20information%20of%20U.S.%20based%20insurance%20subsidiaries) 1Q24 U.S. insurance subsidiaries' statutory data shows declining net gain from operations and net income, decreased capital and surplus, despite a slight increase in risk-based capital ratio Consolidated Statutory Information Highlights (Dollars in millions) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :----- | :----- | :--------- | | Net gain from operations before interest expense and federal income taxes | $58.3 | $40.3 | -30.87% | | Net gain (loss) from operations before net realized capital gains (losses) | $39.1 | $(4.0) | N/A | | Net income (loss) | $37.8 | $(8.2) | N/A | | Capital and surplus | $1,831.3 | $1,487.3 | -18.89% | | Risk-based capital ratio | 380% | 391% | +11 pp | - Net income (loss) shifted from a gain of **$37.8 million** in 1Q23 to a loss of **$8.2 million** in 1Q24[29](index=29&type=chunk) - Capital and surplus decreased by **$344.0 million (18.89%)** year-over-year[29](index=29&type=chunk) [Investment Income Analysis](index=15&type=section&id=Investment%20Income%20Analysis) [Investment Income Not Allocated to Product Lines (Summary)](index=15&type=section&id=Investment%20Income%20Not%20Allocated%20to%20Product%20Lines%20(Summary)) 1Q24 unallocated investment income decreased from 1Q23, primarily due to increased equity returns credited to policyholders and higher alternative investment losses, partially offset by stable FHLB/FABN net spread income Investment Income Not Allocated to Product Lines (Dollars in millions) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :----- | :----- | :--------- | | Investment income not allocated to product lines | $15.5 | $12.3 | -20.65% | | Equity returns credited to policyholder account balances | $(18.6) | $(139.7) | +651.08% | | Net spread income on FHLB program | $10.1 | $10.3 | +1.98% | | Net spread income on FABN program | $6.2 | $7.3 | +17.74% | | Excess alternative investment income (loss) | $(17.2) | $(31.4) | +82.56% | - Equity returns credited to policyholder account balances increased substantially from **$(18.6) million** in 1Q23 to **$(139.7) million** in 1Q24[32](index=32&type=chunk) - Excess alternative investment income (loss) worsened from **$(17.2) million** in 1Q23 to **$(31.4) million** in 1Q24[34](index=34&type=chunk) [Investment Income Not Allocated to Product Lines (Detailed Reconciliation)](index=20&type=section&id=Investment%20Income%20Not%20Allocated%20to%20Product%20Lines%20(Detailed%20Reconciliation)) Detailed Reconciliation of Investment Income Not Allocated to Product Lines (Dollars in millions) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :----- | :----- | :--------- | | Adjusted net investment income | $296.2 | $307.3 | +3.75% | | Total investment income allocated to product lines | $(235.7) | $(245.3) | +4.07% | | Equity returns credited to policyholders (Annuity) | $(16.5) | $(128.6) | +679.39% | | Interest expense on investment borrowings from FHLB program | $(21.7) | $(31.4) | +44.70% | | Investment income not allocated to product lines | $15.5 | $12.3 | -20.65% | - Equity returns credited to annuity policyholders increased significantly from **$(16.5) million** in 1Q23 to **$(128.6) million** in 1Q24[41](index=41&type=chunk) - Interest expense on investment borrowings from the FHLB program increased by **44.70%** year-over-year[41](index=41&type=chunk) [Investment Income Allocated to Product Lines](index=17&type=section&id=Investment%20Income%20Allocated%20to%20Product%20Lines) 1Q24 total investment income allocated to product lines increased, driven by growth across annuity, health, and life categories, with a slight improvement in average yield on allocated investments Investment Income Allocated to Product Lines (Dollars in millions) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :----- | :----- | :--------- | | Total allocated investment income | $235.7 | $245.3 | +4.07% | | Investment income allocated to annuities | $125.4 | $134.5 | +7.26% | | Investment income allocated to health products | $74.0 | $74.3 | +0.41% | | Investment income allocated to life products | $36.3 | $36.5 | +0.55% | | Total average yield on allocated investments | 4.62% | 4.70% | +0.08 pp | - Investment income allocated to annuities increased by **$9.1 million (7.26%)** year-over-year[39](index=39&type=chunk) - The total average yield on allocated investments slightly increased by **0.08 percentage points**[39](index=39&type=chunk) [Other Investment Data](index=21&type=section&id=Other%20Investment%20Data) 1Q24 other investment data shows increased average book value of invested assets and cash, and a higher book yield, despite significant alternative investment losses and a slight decrease in the new money rate Other Investment Data (Dollars in millions) | Metric | 1Q23 | 1Q24 | YoY Change | | :----------------------------------- | :--------- | :--------- | :--------- | | Average book value of invested assets and cash | $26,801.8 | $27,897.0 | +4.16% | | Net investment income from general account investments | $292.2 | $301.9 | +3.32% | | New money rate | 6.34% | 6.17% | -0.17 pp | | Book yield | 4.56% | 4.64% | +0.08 pp | | Earned yield | 4.22% | 4.06% | -0.16 pp | | Alternative investment income (loss) | $(9.4) | $(24.3) | +158.51% | - Average book value of invested assets and cash increased by **$1,095.2 million (4.16%)** year-over-year[42](index=42&type=chunk) - Alternative investment income (loss) worsened significantly from **$(9.4) million** in 1Q23 to **$(24.3) million** in 1Q24[42](index=42&type=chunk) [Significant Items](index=22&type=section&id=Significant%20items) [4Q23 Significant Items](index=22&type=section&id=4Q23%20Significant%20Items) 4Q23 significant items, mainly a net unfavorable actuarial assumption review impact, reduced net operating income by **$26.4 million**, resulting in an adjusted net operating income of **$107.5 million** 4Q23 Significant Items Impact (Dollars in millions, except per share amounts) | Metric | Actual Results | Significant Items | Excluding Significant Items | | :----------------------------------- | :------------- | :---------------- | :-------------------------- | | Total insurance product margin | $274.6 | $(33.9) | $240.7 | | Operating earnings before taxes | $172.1 | $(33.9) | $138.2 | | Net operating income | $133.9 | $(26.4) | $107.5 | | Net operating income per diluted share | $1.18 | $(0.23) | $0.95 | - The significant items in 4Q23 were comprised of a **$33.9 million** net unfavorable impact arising from the comprehensive annual actuarial assumption and model review[45](index=45&type=chunk) [3Q23 Significant Items](index=22&type=section&id=3Q23%20Significant%20Items) 3Q23 significant items, primarily legal recoveries net of expenses and increased legal accruals, reduced net operating income by **$16.9 million**, leading to an adjusted net operating income of **$84.4 million** 3Q23 Significant Items Impact (Dollars in millions, except per share amounts) | Metric | Actual Results | Significant Items | Excluding Significant Items | | :----------------------------------- | :------------- | :---------------- | :-------------------------- | | Total insurance product margin | $240.0 | — | $240.0 | | Operating earnings before taxes | $129.8 | $(21.7) | $108.1 | | Net operating income | $101.3 | $(16.9) | $84.4 | | Net operating income per diluted share | $0.88 | $(0.14) | $0.74 | - The significant items in 3Q23 were comprised of **$21.7 million** of legal recoveries, net of expenses and increased legal accruals[47](index=47&type=chunk) [4Q22 Significant Items](index=24&type=section&id=4Q22%20Significant%20Items) 4Q22 significant items, mainly a net favorable actuarial assumption review, had a minor net unfavorable impact of **$0.5 million** on net operating income, resulting in an adjusted net operating income of **$82.4 million** 4Q22 Significant Items Impact (Dollars in millions, except per share amounts) | Metric | Actual Results | Significant Items | Excluding Significant Items | | :----------------------------------- | :------------- | :---------------- | :-------------------------- | | Total insurance product margin | $234.5 | $(0.7) | $233.8 | | Operating earnings before taxes | $107.0 | $(0.7) | $106.3 | | Net operating income | $82.9 | $(0.5) | $82.4 | | Net operating income per diluted share | $0.71 | — | $0.71 | - The significant items in 4Q22 were comprised of a **$0.7 million** net favorable impact arising from the comprehensive annual actuarial assumption and model review[51](index=51&type=chunk) [2Q22 Significant Items](index=24&type=section&id=2Q22%20Significant%20Items) 2Q22 significant items, primarily an experience refund of **$22.5 million** from a reinsurance agreement, reduced net operating income by **$17.4 million**, leading to an adjusted net operating income of **$117.7 million** 2Q22 Significant Items Impact (Dollars in millions, except per share amounts) | Metric | Actual Results | Significant Items | Excluding Significant Items | | :----------------------------------- | :------------- | :---------------- | :-------------------------- | | Total insurance product margin | $255.7 | — | $255.7 | | Operating earnings before taxes | $174.2 | $(22.5) | $151.7 | | Net operating income | $135.1 | $(17.4) | $117.7 | | Net operating income per diluted share | $1.15 | $(0.15) | $1.00 | - The significant items in 2Q22 were comprised of an experience refund of **$22.5 million** related to a reinsurance agreement[53](index=53&type=chunk) [Notes](index=26&type=section&id=Notes) - Book value per common share, excluding accumulated other comprehensive income (loss), is a non-GAAP measure used to remove volatility from changes in unrealized appreciation/depreciation of investments[57](index=57&type=chunk) - Insurance margin is a management measure of profitability for annuity, health, and life product lines, calculated as insurance policy income plus allocated investment income, less various expenses including benefits, interest, commissions, advertising, and amortization of acquisition costs[57](index=57&type=chunk) - Net operating income is a non-GAAP financial measure that excludes specific non-operating items (e.g., realized investment gains/losses, changes in market value of investments, fair value changes of embedded derivatives) to provide a clearer evaluation of the company's underlying financial performance[57](index=57&type=chunk) - Investment income is allocated to product lines based on the book yield of investments backing the block of business, applied to the average net insurance liabilities for that block[57](index=57&type=chunk) - The new money rate refers to the rate for investments purchased during the period to support insurance products and capital, excluding investments from specific programs (FHLB, FABN) and variable interest entities[57](index=57&type=chunk)

Wall Street expects a year-over-year increase in earnings on lower revenues when CNO Financial (CNO) reports results for the quarter ended March 2024. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on April 29. On ...

The Zacks Multiline Insurance industry has performed well so far this year, banking on better pricing, increased exposure, prudent underwriting, streamlined operations, global presence and a solid capital position. The industry has gained 2.5% year to date. Industry players that boast an impressive dividend history have always attracted yield-seeking investors.Multiline insurers like MetLife Inc. (MET) , Prudential Financial Inc. (PRU) , MGIC Investment Corporation (MTG) , CNO Financial Group (CNO) and Old ...

CARMEL, Ind., April 15, 2024 /PRNewswire/ -- CNO Financial Group, Inc. (NYSE: CNO) will report results for the first quarter of 2024 after the market closes on Monday, April 29, 2024. The company will host a conference call to discuss results at 11:00 a.m. Eastern Time on Tuesday, April 30, 2024. Participate by Dial-In To participate, please register here. Upon registering, you will be provided with call details and a registrant ID used to track attendance on the conference call. Reminders will also be sent ...

All investors love getting big returns from their portfolio, whether it's through stocks, bonds, ETFs, or other types of securities. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric tha ...

Taking full advantage of the stock market and investing with confidence are common goals for new and old investors, and Zacks Premium offers many different ways to do both.The research service features daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, all of which will help you become a smarter, more confident investor.It also includes access to the Zacks Style Scores.What are the Zacks Style Scores?Developed a ...

CNO Financial Group, Inc.’s (CNO) worksite brand, Optavise, released its 2024 Annual Benefits Broker Report. Per the report titled Government Mandates Take Center Stage: Unveiling the Dominant Market Force for Benefits Brokers, employers are consistent in obtaining aid from broker partners for innovative ideas, managing rising healthcare costs and compliance, and regulatory issues.Optavise surveyed 70 U.S. health insurance brokers, wherein most brokers (81%) serve in the mid-market space. Per the report, 69 ...

Eighth annual survey also indicates brokers remain a critical component in managing employer healthcare costs, while revealing employers offering more voluntary benefits productsCARMEL, Ind., March 20, 2024 /PRNewswire/ -- Optavise, a one-stop-shop for employee benefits programs, combining voluntary benefits products and services, technology and expert guidance, today released its 2024 Annual Benefits Broker Report, "Government Mandates Take Center Stage: Unveiling the Dominant Market Force for Benefits Bro ...

Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. However, when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investo ...