Description: This article explores the development of the annuity market in the UK over the past 20 years. It examines the explosive growth achieved by the enhanced annuity market and delves into the kinds of customers attracted by these products and the kinds of enhancements typically presented. It also explores the impact of government policy changes which have lead to annuity volumes declining and 'drawdown' product becoming more popular.

Description: Hear from the chairperson on themes in the August 2016 issue of Risk Management published by the JRMS.

Description: Hear from the editor’s on the March 2017 issue of Risk Management published by the JRMS.

Description: Hear from the editor’s on the December 2017 issue of Risk Management published by the JRMS.

Description: Hear from the editor’s on the December 2018 issue of Risk Management published by the JRMS.

Description: Discussion on how retirement programs have changed, or not, since the Retirement 20/20 initiative in 2010. We ecourage retirement actuaries to comment.

Description: This article discusses the impact on the policyholders and the insurance companies of the phase-out of the deductibility of policy loan interest resulting from the new tax law.

Description: This article discusses the risk-sharing arrangements provided by a number of different types of hybrid pensions, focusing on hybrid designs in the United States, Canada and the Netherlands, with particular emphasis on the New Brunswick (Canada) shared risk plan.

Description: The 1990s saw the rise of many types of variable investment products within the life insurance industry. It was only natural that hedging strategies and products would emerge in response to the inherent risk of loss of value in variable life and annuity products. This article explains a 21st-century twist on the concept for annuities, the Enhanced Earnings Death Benefit EEDB Rider.