Description: A recent SOA regional meeting featured discussion on an age-old actuarial debate: Within the same company, should the return on equity ROE target vary by profit center PC depending upon the risk of the PC?

Description: Accelerated underwriting programs continue to evolve at a rapid pace. Triage systems have become a key element in many of the newer accelerated underwriting programs in the market. Depending on the criteria used at the triage point, these programs can have residual effects on class prevalence and mortality which in turn affect the profitability of these programs. In this article we will explore some potential impacts on mortality and prevalence within these programs.

Description: Summary of recent changes to IRS Section 7702 Interest Rates, and how it will impact the design of life insurance products in the future.

Description: The article discusses the continued popularity of indexed UL insurance and possible reasons why a company's actual indexed UL earnings may be below their original pricing expectations for the product. The article discusses several key items that may be the source of that underperformance (e.g., hedge ineffectiveness, policyholder behavior) and the need to monitor earnings and perform analyses to better understand those potential sources.

Description: In a recent Society of Actuaries' regional meeting, there was a discussion on an age-old actuarial problem. Within the same company, should the return on equity ROE target vary by profit center depending upon the risk of the profit center? For example, should company management demand a different ROE from the Group Health line than from the Ordinary Life line?

Description: Presenting the customer a measurable value of life insurance that makes the advice process transparent to both the customer and adviser.

Description: This article addresses the expected impact that the 2001 CSO table will have on pricing and product structure for UL plans.

Description: The Actuary Vol. 22 , No. 7. This articles explores the dangers posed by many guaranteed-return life insurance and annuity products.

Description: Read the Quo Vadis Reinsurance.

Description: This article discusses an update to a survey that focuses on how companies are trying to price for and understand the risks inherent in the products they sell.