Description: This article discusses a number of product variations seen in the market with respect to Universal Life products with secondary death benefit guarantees, factors leading to those designs and considerations regarding the adequacy of reserves that emerge under AXXX formulas. This article also identifies a series of factors that authors believe will make it difficult to quickly and equitably resolve these issues through formula-based changes.

Description: This paper examines several methods for dynamically adjusting expense assets to reflect differences between actual and expected persistency. Discussions of the paper are included.

Description: Author develops algorithms for how a common disaster, or a life-lengthening force, can affect two independent lives.

Description: Chapter 3 analyzes, in table form, the study's claimant counts and charge totals, broken down by plan design type, gender, age, year, and by subscriber vs. dependent. From Group Medical Insurance Large Claims Database Collection and Analysis, M-HB97-1.

Description: Chapter 8 analyzes, in table form, exposure in relation to status, gender, age range, and deductible level. From Group Medical Insurance Large Claims Database Collection and Analysis, M-HB97-1.

Description: This article discusses fair value reporting for insurance companies and how to get fair value in the real world.

Description: This presentation estimates several models of interest rates, including seven without and four with regime shifts.

Description: 2001 CSO preferred class structure mortality tables.