Slides from a presentation at the Society of Actuaries 2007 Annual Meeting, held in October, 2007 in Washington, D.C. Two topics were presented: 1. Discussion of marketing life and annuity products in banks in the USA and globally 2. credit insurance: marketing efforts including sales history and loss ratio history

The efficiency of health care systems has become increasingly important in the context of ever-growing health care expenditures and the recent reforms in the USA’s health care system. By examining other countries’ experiences, USA actuaries can extend their range of perceptions of what is possible in the financing and delivery of health care. A comparison to Australia, Japan, South Korea, China, and The Netherlands is included. From the SOA 2011 Health Meeting, Session 7

The efficiency of health care systems has become increasingly important in the context of ever-growing health care expenditures and the recent reforms in the USA’s health care system. By examining other countries’ experiences, USA actuaries can extend their range of perceptions of what is possible in the financing and delivery of health care. A comparison to Australia, Japan, South Korea, China, and The Netherlands is included. From the SOA 2011 Health Meeting, Session 7

2010 SOA Senior Actuaries' Forum, Shanghai. This session discussed the history of Life production in Japan, what the Japanese carriers have done right and what they have done wrong, the introduction of foreign carriers, where the market is headed, and the reasons for some changes of direction.

Equity–Based Insurance Guarantees Conference, Hong Kong, 2008. The focus of this session is quantifying policyholder behavioral risks in of the pricing of living benefit riders attached to variable annuities and equity-indexed annuities. Topics covered: 1. Key policyholder risks ??- Lapses ??- Benefit utilization ??- Asset allocation ??- Partial withdrawals / policy loans ??- Annuitization ??- Mortality & longevity ??- Renewal premiums 2. Impact of policyholder behavior 3. Dynamic lapse functions 4. Mitigating the impact of policyholder decisions - Option for a reasonable price - Abstaining from certain features - Increasing persistency by updating guarantees - Change of charging structure - Surrender penalties - Charges per risk profile

The 2008 Philippines experience study includes both mortality and persistency studies of policies in force any time during the 2004-2006 study period. The study applies to the entire portfolios of the 19 contributing companies and these companies represent the entire Philippines individual life insurance market. Studies were performed based upon policy counts. Actual mortality was compared to expected mortality based upon the SOA 1975-80 select and ultimate mortality table.

The 2009 Vietnam experience study includes both mortality and persistency studies of policies in force any time during the 2004-2008 study period. The study applies to the entire portfolios of the contributing companies and these companies represent the entire Vietnam individual life insurance market. Separate studies were performed based upon policy counts and insurance in force. Actual mortality was compared to expected mortality based upon the SOA 1975-80 select and ultimate mortality table.

This presentation will discuss the current state of the Asian countries, including the Indian and Chinese insurance markets, and their future potential.

This paper uses data for six OECD countries over the period 1950–2006 to study the impact of macroeconomic fluctuations and cause of death trends on mortality dynamics in the Lee-Carter mortality forecasting model.

Cigarette smoking has reached epidemic proportions in many Asian countries. and epidemiologists predict massive increases in the number of smoking-related deaths in future decades. Information is of great interest to insurers who would like to sell coverage in these markets with smoker/nonsmoker-distinct pricing. From NAAJ, April 2000, Volume 4, Number 2.