Description: The author describes how his company was able to benefit from an application of risk theory.

Description: On March 19 the Actuaries Club of New York heard a report by Messrs. Dale R. Gustafson and James J. Murphy on the sweeping change in coverage on old policies that Northwestern Mutual Life is offering its policyholders to address a problem caused by the US 1959 Income Tax Act.

Description: The Canadian Institute of Actuaries held a panel discussion on product innovation at its June 1981 meeting. This article consists of edited excerpts from a document that was distributed in advance to stimulate discussion, and some remarks on the discussion that took place. This article discusses some of the products developed in response to the current high and volatile interest rate environment, such as flexible premium policies annuities and insurance and adjustable single premium policies.

Description: This article describes how Long-Term Care riders attached to Life Insurance policies provide real insurance value at a reasonable cost and allow life insurance companies to compete on a basis other than cost.

Description: The Actuary Vol. 22, No. 11. This is a debate regarding two approaches to Life Insurance Illustrations: The Range approach vs. the Current Scale approach

Description: Editorial about life insurance replacements. Editor encourages all life actuaries to help find a solution to this problem.