Description: Presented at October 1985 Annual Meeting. This session discussion talks about what will separate the winners from the losers in our business in the future and briefly about what might affect product development actuaries.

Description: Data on morbidity, loss ratios, actual-to-expected continuance rates, and lapse rates for disability insurance, and discussion of the implications with respect to legislation, product design, pricing, underwriting, and marketing. This presentation was made at the 1975 SOA Los Angeles Spring Meeting.

Description: Panelists discuss issues arising from the Health Insurance Portability and Accountability Act of 1996. From the Record of the Society of Actuaries, Vol. 24, No. 1.

Description: From the 1985 Valuation Actuary Symposium Discussion of the process for evaluating the financial soundness of an insurance organization from organizations outside of the Company

Description: Presented at May 2000 Spring Meeting. Experience on group and individual disability insurance has been historically sensitive to economic and demographic trends. In recent years, for example, the restructuring of the health care industry has caused major upheaval for many disability for many disability insurers. The panelists in this session speak in general terms about a variety of trends, such as the stock market, unemployment rates, interest rates, and the aging of the baby boom generation. They then turn specifically to the disability insurance market and speculate on how these trends may affect financial results.

Description: RECORD OF SOCIETY OF ACTUARIES 1981 VOL. 7 NO. 3 This discussion looks at the future of permanent life insurance as of 1981, comparing traditional permanent products to term life, universal life, and non life insurance products. Related uncertain economic environment issues and tax issues are discussed.

Description: This presentation is a teaching session, number 98TS, from the 2000 Annual Meeting of the Society of Actuaries, held October 15-18 in Chicago. The financial services industry is changing rapidly. Thirty years ago the industry made its profits from mortality and expense margins in premiums. Fifteen years ago it was interest margins on fixed annuities and universal life. Today profits come from fees on variable products, interest margin on fixed products, and mortality on term insurance. The instructors look to the future and discuss where profits will come from 10 years from now. Discussion from participants is included. From the Record of Society of Actuaries, Volume 26, No. 3.

Description: Panelists prognosticate about the future in terms of economic and financial scenarios, and future insurance markets, products, and distribution systems. From the 1988 Record of Society of Actuaries, Vol. 14, No. 3.

Description: Panel discussion on inflation's impact on business procedures, contingency plans, long-term benefit levels, and determination of financial reporting items such as future reserves, surplus levels, operating expenses, and net gains. Presented at the Spring 1975 Meeting in Los Angeles.

Description: Panelists provide a big picture overview of the M&A process and the roles of the actuary, investment banker, outside counsel, accountants, acquirer and seller. Includes a discussion on actuarial appraisals, ASOP 19 and due diligence. From Record of Society of Actuaries, Vol. 30, No. 1, Session 94