Description: This session at the SOA 1982 Colorado Springs Spring Meeting discusses insurance products dividend philosophy. Focus is on implications of AAA and CIA standards, equity among dividend classes, methods of investment income allocation, stock company issues, and treatment of federal income tax.

Description: This is a discussion on the future profit outlook for non-participating life insurance. It highlights the historic trends in profitability how these trends will be different in the future what can be done to protect future profitability and the prospect for non-participating life insurance in an inflationary environment.

Description: 1994 SOA Meeting, San Francisco. This session discussed NAIC development of model regulation for life insurance and annuity disclosures. This session also described the approaches taken by the regulators and by industry advisory groups.

Description: This session from the 1995 SOA New York City Meeting reviews developments in savings product design including equity-indexed annuities, CD-type annuities, the market value adjusted market, an assessment of purchasing trends and developments in other countries. From the Record of the Society of Actuaries, Vol. 21, No. 2.

Description: This is a discussion regarding actuarial considerations for mutual companies and covers such topics as: how is the overall level of retained surplus determined, do companies have surplus management programs, what are the rights of participating policyholders, are Generally Accepted Accounting Principles GAAP being used for mutuals, how do companies reconcile growth and surplus and whether or not limits should be placed on growth and finally, what actuarial considerations are involved in mergers, acquisitions, divestitures and wind ups.

Description: This presentation is a panel discussion, session 46PD, from the 2004 Spring Meeting of the Society of Actuaries, held June 14-15 in San Antonio, TX. The panelists, industry and tax leaders, discuss recent, ongoing and potential issues, including initiatives affecting various products and markets, including corporate-owned life insurance [COLI] and business-owned life insurance [BOLI] issues, as well as some of the recent guidance that's been issued that affects Section 412[i] plans. Other topics are Internal Revenue Code Sections 7702 and 7702A, and the 2001 CSO Mortality Table. Discussion from participants is included. From the Record of Society of Actuaries, Volume 30, No. 2.

Description: This panel discussion is from the 1991 Meeting of the Society of Actuaries, held May 16-17 in New York. Noting that “within the life insurance industry there is increasing skepticism as to whether illustrations of projected policy values will be met,” the panelists discuss the Illustration Problem. They consider whether the problem is real, and whether current disclosure standards are inadequate. Other topics include whether it is possible to design an understandable method which cannot be manipulated, what responsibilities actuaries have in developing adequate standards, and regulatory activities. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 2.

Description: This session discussion is about market developments, federal income tax outlook, investment strategy/crediting strategy, pricing considerations, valuation, nonforfeiture, and state filing considerations. Survivorship life also was discussed in the Q&A. From the 1987 Record of Society of Actuaries, Vol. 13, No. 4B.

Description: This session from the 1983 SOA Spring Meeting discusses product unbundling strategies, strategies for the development and marketing of services and products and the target markets for these products. From Record of Society of Actuaries Vol. 9, No. 1

Description: From session 63 PD at the Spring regional meeting of the Society of Actuaries held in Atlanta, Georgia, May 24-25, 1999, panelists discuss current issues including adoption status and proposals for various regulations critical to product development efforts. Impact of XXX on product design and reserves is also discussed. From the Record of the Society of Actuaries, Vol. 25, No. 1.