Description: Discussion of new individual life, annuity and disability product developments designed to meet conditions in today's market. This article was presented at the Spring 1975 Meeting in Los Angeles.

Description: Article discusses VM-31 requirements and actuarial report overview.

Description: Over the last two decades, three versions of the Valuation Basic Tables were developed. In this article, two key participants share their experience.

Description: 2016 marks the 60th anniversary of the Canadian Reinsurance Conference. This one day industry meeting hosting delegates from North America and beyond will be held in Toronto on April 13, 2016 under the theme "ReDefining Leadership".

Description: The article discusses the sustainability of the ACA individual market from a public entitlement standpoint. A key point of measuring sustainability is the reliance on market forces rather than federal budget constraints. The article explains why an actuarial viewpoint of sustainability is necessary to a greater extent than other public assistance and social insurance programs. The article challenges actuaries to be a bold, objective voice in a space that is full of opinionated but often uninformed viewpoints.

Description: Diverse Risks 2016 Call for Essays

Description: Recent advances in mortality modeling have enabled applicant-specific quantification of mortality risk in life insurance applicants using laboratory and physical measurements. Relative to more conventional underwriting, this approach identifies a small population of significantly under-priced policy and a much larger, cross-subsidizing group whose risk is presently overestimated. Applicants placed in the highest percentile by this scoring methodology are more than 10X as likely to die in a given period as their demographic peers, and represent approximately 5% of short-term claims. Implications for product design are substantial in both the short- and long-term, as the possibilities for adverse selection grow, and the opportunity for fully individualized pricing raises the more distant prospect of products with as many rate classes as applicants.

Description: View the complete issue for the August 2014 Reinsurance News newsletter.

Description: Actuaries can serve an important role by exploring modeling and data analysis techniques to discover predictive patterns and relationships.

Description: This article contains a condensed summary and excerpt from the fourth white paper in the Commercial Health Care: What’s Next? series.