Description: This article discusses how insurance regulation needed to evolve to meet the need for more understandable policy forms. This article was written before the Flesch Reading Ease test was in common use.

Description: This article from SOA president David Holland, speaks to the need of the actuarial profession to consistently evolve with the needs of the 21st century.

Description: Discussion as to whether within an organization an actuary's regulatory role can conflict with his business-oriented role or be aligned with the strategic goals of the company.

Description: This editorial notes that a letter, appearing in this issue of The Actuary,’ may not be alone in maintaining that the vagaries of our regulatory system handicap companies to the point that United States policyholders get poorer value for their premium dollar than do those in other countries.’ The article goes on to discuss guaranteed surrender values, the state regulatory system in the U.S and other topics in addressing this question.

Description: This article discusses three litigation issues: 1. Shelter Framing Corp. v. PBGC: This is a case recently placed on the Appellate Docket of the U.S. Supreme Court being appealed from the Ninth Circuit Court of Appeals. That Circuit Court held that the Multiemployer Pension Plan amendments Act, which imposes liability on employers who withdrew from multiemployer plans, is unconstitutional as applied to employers who withdraw before the Act’s enactment but after its retroactively effective date. 2. Federal Trade Commission: The U.S. District Court for the Eastern District of Pennsylvania has held that an investigation by the FTC into whether finance companies and auto dealerships were engaging in unfair and deceptive practices by representing that purchase of credit life insurance was required as a condition to obtain financing, was not outside the FTC’s power. 3. Baldwin-United Case: Under the rehabilitation plan for Baldwin-United, the Company would refund $3.7 billion to the annuity holders. Several groups are challenging this decision.

Description: This article describes how Long-Term Care riders attached to Life Insurance policies provide real insurance value at a reasonable cost and allow life insurance companies to compete on a basis other than cost.

Description: This article discusses the Washington State regulation governing life insurance policy replacements.

Description: This article is an abstract of notes from a June 1983 meeting of the New York Actuaries Club which discussed the perceived disadvantages suffered by the mutual form of life insurance company organization.

Description: Part 3 of a 3 installment series dealing with the Moss Oversight Committee dealing with sales disclosure for life insurance products

Description: This article is about the design and growth of the new variable life and annuity products.