Description: The current coronavirus pandemic has caused a number of challenges for life insurers and this article summarizes the operational challenges, namely in two areas. First, the article will discuss the challenges companies are facing to collect traditional underwriting evidence and potential short-term solutions used to overcome these limitations. Second, the actions companies are taking to alleviate the financial difficulties customers may have paying premiums will be addressed.

Description: An overview of Electronic Health Records and how they will enhance risk assessment and automated underwriting in the US.

Description: A paper demonstrating how to obviate the need for market timing strategies in variable annuity products by judicious use of product design. The paper presents the premise behind the product design, provides numerical examples, then explores possible extensions of the concept to produce more sophisticated variable annuity plans based on guarantees of investment outcomes.

Description: A discussion of the 1998 changes to New York’s Expense Limitation Law

Description: This article is a summary of a debate at a Southeastern Actuarial Club meeting that looked at the appropriateness of secondary guarantees in UL products.

Description: Discussion of work site mortality— including risk classification and underwriting methodology decisions which affect the appropriate mortality assumptions

Description: This article discusses the proper slope of mortality tables, especially at the high attained ages.

Description: Highlights from the 2002 Inter-Company Expense Study of U.S. Individual Life Insurance and Annuities.

Description: Author's views on whether insurers' actuaries should be concerned about impact of life settlements on product experience.

Description: This is an article about genetics, diagnostic testing and related underwriting of insurance policies.