It aims to outrival any of the big four by advisor count.

Impact of revised Life Insurance Capital Adequacy Test guidelines also examined.

Researchers say the cost to support each cohort could approach $1-trillion.

The insurer offers the advanced life deferred annuity (ALDA) through the network of individual savings advisors.

They can be a lifeline for workers without a private retirement plan.

Lagging regulatory frameworks impede the proliferation of lifetime pension pools.

AM Best encourages investors to see life and annuity insurance partnerships as a long-term play.