The recent economic environment has made it difficult for many products to project material accumulation potential, placing an increased focus on protection products. At the same time, changes to AG38 have forced product changes in 2013 for ULSG writers. Term and ULSG are feeling the pains of new valuation rates and low interest rates.

The recent economic environment has made it difficult for many products to project material accumulation potential, placing an increased focus on protection products. At the same time, changes to AG38 have forced product changes in 2013 for ULSG writers. Term and ULSG are feeling the pains of new valuation rates and low interest rates. At the conclusion of the session, attendees will be able to see how the protection market is progressing and identify the current issues facing protection product development.

The 2013 Product Development and Pricing—Beginning to End, session two: term case studies.

The 2013 Product Development and Pricing—Beginning to End session three: universal life case studies.

The 2013 Product Development and Pricing—Beginning to End, session five: indexed product case studies.

The 2013 Product Development and Pricing—Beginning to End registration information.

The 2013 Product Development and Pricing—Beginning to End, session six: modeling techniques and uses.

The 2013 Product Development and Pricing—Beginning to End session four: product design process.

An introduction to ultimate life insurance, a product intended to be flexible enough to meet consumers' needs over their lifetimes. The paper gives some illustrations and discusses the Ultimate Life Financial Risk Analysis computer program.

2010 Seminar - Pricing in 2010 and Beyond: The New Frontier, Tampa. This session discussed Return of premium term pricing, capital requirements, non forfeiture testing and PBA issues. Recent interest in Term UL was also discussed.