Description: The limited availability of life and protection cover for people living with certain serious health conditions is starting to become a critical issue for insurers. The public perception is that insurers simply don’t offer cover, or that it is difficult to source affordable, tailored cover. This article discusses the considerations when trying to improve access to insurance.

Description: The article discusses the impact of changes made to Internal Revenue Code Section 7702 by the ConsolidatedAppropriations Act, 2021. The Consolidated Appropriations Act made changes to the interest rates used calculatethe Section 7702 premium and cash value funding limitations for life insurance contracts

Description: This is the second installment of an article about using microeconomics and the concepts of embedded value to better manage and understand the profitability of direct marketing programs.

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

Description: This paper sets the task of pricing insurance products in the larger framework of company planning and management. A generalized description of the pricing function, applicable to any insurance company project.

Description: Some insurance products on the market today accelerate the death benefit by paying a portion of the benefit before death under certain prescribed conditions. The more common of these products are long-term-care and dread disease riders to life policies. This paper presents generic formulas for calculating the cost of morbidity that would be multiplied by the policy's net amount at risk in an asset share pricing calculation. From Transactions of Society of Actuaries 1990, Vol. 42.

Description: In this paper the author discusses pricing insurance products in the larger framework of company planning and management. The author also presents a generalized description of the pricing function, which is applicable to any insurance company product. The author discusses the relationship of the premium formulation function to the management of an insurance company, balancing the requirements of management, shareholders, policyholders, and marketing personnel. Includes discussion and author’s review of discussion. From Transactions of Society of Actuaries 1982 Volume 34.

Description: This article reports on a presentation given at the SOA Annual Meeting in October 2014 (Session #43). The presentation, entitled the “Current State of the COLI/BOLI Market”, addressed current developments and issued related to the Corporate-Owned Life Insurance (COLI) and Bank-Owned Life Insurance (BOLI) markets. The Greg Brandner from Munich Re served as moderator, and he along with Julie Decker from RGA and Kelly Rabin from Milliman were the speakers.

Description: This panel discussion speculates about the coming decade. Panelists give their opinions on what might happen to mutual companies with respect to dividend distribution, level of premiums, surplus levels and inflation in general.

Description: Life insurance carriers increasingly enhance their product offerings with combination products, aka hybrid or combo products, or living benefits. Presenters will discuss the growth in this market, consumer perception and distribution needs, highlight the key features of long-term care (and chronic illness) and critical illness benefits, and posit what the future of this market will bring.