Description: The 2009 Estonia experience study includes both mortality and persistency studies of policies in force any time during the 2006-2008 study period. The study applies to the entire portfolios of the contributing companies and these companies represent the vast majority of the Estonia 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.

Description: 2001 individual life and annuity expense study summary report updated 10-01-03.

Description: In this session, the presenters will discuss (1) results from a recent study of credibility applications in the pricing of group long term disability business, (2) morbidity experience from individual disability business, and (3) lessons can be learned from each line of business.

Description: Summary report for the eighth expense study conducted by the Society of Actuaries' Committee on Life Insurance Company Expenses [CLICE]. Contributions of individual life and annuity expense data were received from 23 U.S. life insurance companies.

Description: 1957 Reports of Mortality and Morbidity Experience Table of Contents

Description: Results of the 2005 inter-company study of expenses for individual life and annuity business conducted by the SOA’s Committee on Life Insurance Company Expenses, CLICE.

Description: This report discusses the use of a basic table of net annual claim costs for hospital and surgical expense insurance as adopted by the NAIC in 1956 to be used as a minimum reserve standard for loss-of-time benefits. It is the intention of this paper to outline the characteristics of the table, to discuss the factors which influence reserve considerations, and to describe suitable methods of determining active and disabled life reserves for the types of benefit provisions now most generally offered. From Transactions of Society of Actuaries 1965, Vol. 17, Pt. 1, No. 49.

Description: The presenters will dig into the little rider that most actuaries don't spend much time thinking about. A regulator, a direct writer and a consultant will discuss their thoughts on this rider and point out areas where actuaries should focus before deeming it insignificant. Topics will include the current study underway to update the industry experience study (most recently done in 1952), underwriting considerations, interactions with other riders, benefit designs, unique issues on UL policies, tax implications and reserving considerations

Description: Highlights from the 2002 Inter-Company Expense Study of U.S. Individual Life Insurance and Annuities.

Description: Notice of Intent to Submit Data to 2010 Individual Life and Annuity Expense Study.