Description: discussion of arbitrage possibilities cause by inconsistent mortality pricing assumptions in annuity products vis. a vis. life insurance products

Description: Essay of using microeconomics and Embedded Value concepts to evaluate direct marketing programs.

Description: The author discusses an interpretation of the surrender charge limitations specified in New York’s Regulation 77 which increases the maximum allowable surrender charges for renewal years. This interpretation was presented to and accepted by the New York State Insurance Department.

Description: Author describes how he developed graduated policy-year withdrawal rates using crude withdrawal data that was available by calendar duration but that also was distorted by reporting lags.

Description: In this session 31PD of the Palm Desert Spring Meeting panelists discuss current issues relating to joint and second-to-die insurance products, also known as joint survivor or survivorship insurance. From the Record of the Society of Actuaries, Vol. 23, No. 1.

Description: This is an excel spreadsheet with some data pertaining to an article of the same name from the Product Development News

Description: Chairperson’s column discussing the recent activities of the SOA’s Reinsurance Section.

Description: A five-factor individual life expected profit formula is presented in this paper, with first-year lapse rate and amount of insurance as variables. The formula is appropriate for a single age-plan-sex cell.