Description: This article is a discussion about the trends and changes affecting the life insurance industry by impacting product growth. Read how today's ideas can become tomorrow's successes.

Description: Product concepts that are born in one country often find their way to the other. This article discusses which products are the hot products in the United States and Canada, and what we can expect for future sales for these products.

Description: Summary of the upcoming activities for the Smaller Insurance Company Section in 2016.

Description: Examines the trends affecting the distribution system for the industry's products, and the regulatory and tax environment in which life companies operate. Also looks briefly at the state of competition in the industry.

Description: An overview of the NAIC Variable Annuity Reforms, including a discussion of perceived positives and challenges associated with the reforms.

Description: Product Development Section’s election results, and bio's of new members.

Description: discussion of mathematical calculations for various forms of annuities certain

Description: This article discusses the opportunity for annuity carriers created by the SECURE Act to distribute annuities through Employer Sponsored Defined Contribution Retirement Plans. The article covers a high-level overview of the changes enacted by the law that create the opportunity, as well as the potential opportunity for future annuity sales.

Description: The author proposes an annuity clearinghouse to encourage employers to offer annuity accumulation products in their defined contribution plans. This addresses the lack of portability that is associated with, and discourages the use of, defined contribution plans.

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.