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: Discusses definition of life insurance, exchanges, policy loans, single premium life products, and variable life products. From the 1988 Record of Society of Actuaries, Vol. 14, No. 2.

Description: Risk based pricing addresses some of the shortcomings of traditional pricing methods by providing a framework for understanding the tradeoffs between shareholder risks and rewards using a robust, transparent and objective economic methodology that is consistent across products.

Description: This feature discusses the article by syndicated columnist Ellen Goodman in the March 3rd Los Angeles times titled Insuring an End to the Actuarial Rip-Off of Women It was about risk classification arguing in favor of unisex pricing for individual contracts, which the author of this article did not agree.

Description: This discussion is on selected individual life topics such as: competitive pressures preferred risk/non-smoker policies and the impact of the field force on product design.

Description: This article reviews some of the highlights of th 2010 SOA Annual meeting including the impact on pricing resulting from Solvency II, Market Consistent Valuation of New Business - MCVNB, the latest on mortality, Standards of Practice in product development, managing risk in product design and a regulation update.

Description: This report examines mortality and other actuarial assumptions for products sold at older ages.

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: 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