Agenda

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Presenter(s): Leticia Doherty

The regulatory landscape supporting the introduction of Universal Life in Brazil is still evolving. Although a generic law has been passed, specific regulations needed are still pending. More importantly, tax treatment of the product is still up in the air, rending the market paralyzed. We will provide insight into existing regulations and up to the minute insight on developing tax and regulatory issues. 

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Presenter(s): Patrick Leary, M.B.A., LLIF

Universal life has become a central focus of life insurance company distribution in the United States. How did the introduction of UL affect sales of other life products? What factors influence sales and why? How does universal life fit within an agent’s business?  How does agent compensation differ from other products? This session will explore how universal life evolved from a niche product to a primary driver of life insurance sales. 

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Presenter(s): Ronald Poon-Affat

The fundamental characteristics of Universal Life products are their transparency and flexibility. While these features make the product attractive to policyholders, they pose significant pricing risks for insurers. During this session, we will talk about the design, pricing and risk management of Universal Life products, describing some of the challenges this product has had over the years and some of the solutions actuaries have developed to mitigate these risks.

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Presenter(s): Federico Tassara, ASA

The most effective risk management is to learn from the mistakes, and best practices, of others. Universal life has a more than 30 year history in the Americas. In this section we will explore the experiences, challenges and lessons learned with Universal Life in Mexico, Argentina, Chile and the United States.

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Presenter(s): Espaço Reversivel

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Monday, January 1