Description: Provides perspective on how risk has been shared in a variety of retirement and insurance arrangements, and suggestions some ideas for innovations and different risk sharing in the future. Traditional retirement program are defined benefit and defined contribution, which have very different methods of risk sharing. The new ideas share risk differently. Offers some history of retirement and risk sharing. Goal is to improve retirement security.

Description: The SOA Research Institute has executed research for over twenty years on some repeating themes and topics. The reports build on each other and add content. This article summarizes and discusses a summary report on long-term care, caregiving and housing linked to long-term care and caregiving.

Description: Feature article describing more realistic stages of risk and how to manage each stage. From The Actuary Magazine, Dec 2009

Description: This is a discussion of the Life–Cycle Model, findings from behavioral finance, managing risks post–retirement, the role of government, software and some perspectives on the future.

Description: This article provides a perspective on the SOA’s Aging and Retirement research reports, and on the types of research that are included. The SOA does a lot of research on different retirement topics, and many people are not aware of the scope of this work. This article offers an overview of the big picture as we think about the future. The article describes longer-term challenges to the US retirement system and recent developments that have affected the system and created uncertainty. It provides an overview of what individuals have said about retirement and their view of post-retirement risks and planning in a variety of consumer research studies. It then reviews some of the research and provides information on summary reports which provide insight on the findings from multiple related research reports. It also provides information about consumer education and what is currently available and in process. It then focuses on how the SOA is helping retirement professionals understand current and expected change and discusses areas of uncertainty as we help those we serve deal with change.

Description: Businesses across the board have been drastically impacted by the effects of COVID-19 over the course of 2020, and insurance was not immune. Perhaps most relevant to this industry’s current capital and liquidity concern is the prevailing low interest rate environment. This has been a global trend in the last decade, and treasury rates in much of the developed world are at or near zero. Reduced investment returns limit an insurer’s ability to achieve their desired return on equity, eliminating previously profitable strategies that depended on the leverage of life and annuity balance sheets. Focus and activity have instead shifted to other methods to counteract the low interest rate markets and accompanying capital strain. Examples include increased mergers and acquisitions (M&A) activity within the insurance industry and an increasing focus by private equity firms in the insurance market for asset-intensive products, both of which reflect the goal of increasing yield rates on capital.

Description: This article exams societal trends that may influence retirement patterns and presented retirement scenarios. From The Actuary Vol. 24, No. 12

Description: Actuaries pride themselves on innovation and advancements; but no professional field has pushed to set the bar higher than medical Radiology. Over the course of the last few decades, medicine has begun to rely more on artificial intelligence to aid in the process of patient care; and the results have been outstanding! This article looks to show how high the bar has been set, how it will impact the current state of the world of the actuary and the future impacts

Description: This article describes the pre-HIPAA small group market and identify some of the key changes to this market resulting from HIPAA particularly guaranteed issue and renewal and restriction of pre-existing conditions and.

Description: Read the February 2018 issue of Retirement Section News published by the Retirement Section. Newsletters provide practical information for the working actuary, articles on trends that impact sections and news about section activities.