Life & Health Insurance
Case studies in life & health insurance.
Aflac Japan: which channel gets the next investment?
By early October 2026, Aflac Japan had restored most of its policyholder website after a June data intrusion. Two online procedures remained unavailable. An agent-assisted online consultation tool had also been suspended, and Aflac had not published a separate restoration status for that tool. Read case
Globe Life: How fast should AIL grow?
Globe Life had just reported another quarter of growth at American Income Life (AIL), its largest life-insurance distribution channel. On April 11, Globe Life issued a response to public allegations about AIL sales practices, calling them misleading and unsubstantiated and saying it intended to provide a fuller rebuttal. Read case
MetLife: Reaching the Sponsor, the Adviser, and the Employee
MetLife’s New Frontier strategy names Group Benefits as a growth priority. In its 2025 Form 10-K, the company said employers have been emphasizing voluntary products and that it had increased communication and marketing to employees to foster sales. Read case
Principal Financial Group — Where Should the Next Dollar Go?
Principal Financial Group (PFG) entered 2021 with a broad financial-services portfolio and a difficult allocation question. In 2020, company-defined operating earnings fell while total assets under management and net cash flows reached records. Results varied sharply across retirement, asset management, international retirement and investment, and U.S. insurance. Read case
Prudential Financial: what should the next longevity-risk opportunity have to prove?
In the fourth quarter of 2023, Prudential Financial reported $14.3 billion in Institutional Retirement sales, including a $9.2 billion Netherlands longevity-risk-transfer transaction. On December 19, NN Group announced that it had completed two longevity transactions, one with a Prudential insurance subsidiary; the risk transfer was effective December 31, 2023. Read case