Nancy Moussa – associate research director, LIMRA Insurance Product Research
Nancy Moussa is associate research director at LIMRA Insurance Product Research, where she leads the individual product benchmark team that delivers competitive reporting and analysis for insurers.
She joined LIMRA in 2023 after serving as director of product management at RBC Insurance in Canada. With a background in actuarial mathematics, her work centers on individual life and living benefits products, distribution analysis, and the market forces shaping product performance.
In her public commentary, Moussa often underscores the resilience of permanent life insurance during periods of uncertainty, pointing out that consumers tend to lean on whole life and universal life products because they provide stable returns and principal protection.
She has also noted that while whole life remains dominant in terms of premium dollars, declining policy counts suggest insurers may be relying more on higher-value contracts than on volume growth.
Her comments on universal life frequently touch on rising demand for non-level cost-of-insurance products, while she portrays term life as steady and predictable, a product that continues to hold share without the momentum seen in permanent products.
