Description: Provides background on the Brazilian insurance authority's ban of the group life rider benefit for Total and Permanent Disability due to illness, TPD. Then discusses alternative benefits that could be offered as replacements.

Description: John Naisbitt, in Megatrends, defined a megatrend as a general shift in thinking or approach affecting countries, industries and organizations. This article challenges actuaries to consider off-the-charts factors within their risk maps and consider their potential impact.