Description: In this article, we discuss the future of wearable technology in life insurance. Evidence from recent research shows that low levels of physical activity, as measured by steps per day indicate much higher mortality risk while higher levels of activity correspond with lower risk. The article shares insights of how insurers can use wearables to innovate by improving the customer journey, expanding insurability, engaging customers, promoting healthy lifestyles and improving risk assessment. Lastly, we discuss the challenges and considerations when using new data and technology to ensure success.

Description: To understand the relationship between lifestyle behaviors and mortality, RGA investigated a national, health-related, mortality-linked data set provided by the U.S. Centers for Disease Control and Prevention (CDC). RGA Strategic Research Actuary Julianne Callaway discusses the company's findings.

Description: This article is a discussion of the proposal to tax the inside build-up in life insurance policies and the consequences if it were to be adopted.

Description: Against a background of recent capital market downturns, this article discusses the need for increasing the focus on risk control with respect to variable annuity and life products. This article originally appeared in the September 14, 1998 issue of The National Underwriter, a publication of the National Underwriter Company, and is reprinted here with permission.

Description: Recently the interest rates have been slowly trending up from the lowest point in August 2020. The focus of this article is on current market trends for long-duration products —including life insurance, annuities, and long-term care insurance —following an extended period of low interest rates, and lessons carriers can learn from similar historical periods of rising interest rates. Innovative and flexible product features will continue to be essential, as the current interest trend may not substantially increase insurers’ portfolio rates. When designing or modifying product features, insurers should consider profitability in a wide breadth of interest rate scenarios and be particularly mindful of the impact that crediting rates and asset durations will have on earnings.

Description: Provides information on Section 7702 mortality requirements, the implications of the adoption of the 2017 CSO tables and the need for IRS guidance.

Description: Article from The Actuary, June 1972 – volume 6 - Issue 6 presents the discussions of State Taxation which was presented at the October meeting of the Actuarial Club of the Pacific States.

Description: This article discusses the history of the small life insurance policies in light of the current NAIC investigation into the treatment of small face value life insurance policies.

Description: This article presents the author's views on how direct writers of term insurance should view and monitor their reinsurance.

Description: This article discusses the three main taxation proposals affecting holders of life insurance and deferred annuity policies announced on Friday, November 13, 1981 by the Federal Finance Minister in Canada. The main proposals are 1 taxation of accrued investment income on life and annuity policies, 2 changes in the adjusted cost basis at disposition of policies and 3 treatment of life insurance policies not registered as retirement savings plans.