Description: Data on morbidity, loss ratios, actual-to-expected continuance rates, and lapse rates for disability insurance, and discussion of the implications with respect to legislation, product design, pricing, underwriting, and marketing. This presentation was made at the 1975 SOA Los Angeles Spring Meeting.

Description: Part II of a two-part series discussing individual market evolution from before the ACA through President Trump's first term.

Description: Presented at October 1985 Annual Meeting. This session discussion talks about what will separate the winners from the losers in our business in the future and briefly about what might affect product development actuaries.

Description: Panelists discuss the process and challenges presented by mergers or acquisitions. From the Record of the Society of Actuaries, Vol. 24, No. 2.

Description: We propose using premiums and tax revenue to fund high-cost individuals in the Individual ACA market.

Description: The impact of bond default risk on retirement benefit obligations describes how the probability default on a bond is similar to the probability of death for an annuitant. Bonds are used to cash flow match retirement obligations cash flows to funding from bond. Just as the probability of non-payment happens on the liability side, we can do the same with selected bonds. The end result may be an adjustment to the discount rates used.

Description: This article addresses the scope of reserve valuation rules that compute or estimate reserves “on the basis of recognized mortality or morbidity tables, and assumed rates of interest.”

Description: This article is focused on sustainability concerns in the ACA individual markets and what we can learn from core actuarial principles as discussed in ASOPs.

Description: Oliver Wyman surveyed the life insurance industry in 2Q 2018 on emerging life PBR practices. Key takeaways and a deeper dive on select practices are provided.

Description: Article Editorial by Moorhead in The Actuary, February 1979, Volume 13, Number 2