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Rear End Loaded Products
uni- versal life, advertised that there is "no direct expense charged to the persistent policyholder" ... the United States. Although this does not have a direct affect on our topic of rear end charges, it does ...- Authors: Dennis Carr, James Glickman, Harold G Ingraham, Gregory J Kaiser, William Schnaer
- Date: Oct 1984
- Competency: Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Life Insurance
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Bancassurance & Product Development
something more than that. In those countries we see direct acquisitions where one organization owns both banks ... than what they'll get on traditional direct mall marketing or direct response marketing. Because of that ...- Authors: Debra Esker Cunningham, Alan Finkelstein, Steven Gathje, Application Administrator, Julie Andrews
- Date: Apr 1995
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Finance & Investments>Banking - Finance & Investments
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All Lines Insurance Operations
insurance opera- tions, including differences between direct insurance and reinsurance operations. 2. Solvency ... insurance operations, including differences between direct insur- ance and reinsurance operations. Also, we ...- Authors: Charles C Hewitt, Frederick Kilbourne, Frederick J Knox, W James MacGinnitie, Roy R Anderson
- Date: Apr 1977
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Health & Disability>Disability insurance; Health & Disability>Health insurance; Life Insurance
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Growth Strategies For Smaller Companies
here from group and pen- sion representatives, to direct response on-site sales locations, and the general ... existing distribution systems such as entering direct response, movement into Group or health insurance ...- Authors: L John Achenbach, Diane Zapisek, John Ladley, Edward J Slaby, Edward J Costello
- Date: May 1984
- Competency: External Forces & Industry Knowledge; External Forces & Industry Knowledge>General business skills
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Life Insurance
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Dividends And Other Non-Guaranteed Elements In Individual Life Insurance And Annuities
but we must not let this get in the way of our primary function of defining the applicable theory. Our ... things are happening. He points out correctly that: "Direct recognitionof policy loans (the four-factordividend ...- Authors: Richard S Miller, Walter N Miller, Harry D. Garber
- Date: Oct 1982
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Life Insurance
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Unisex - An Update
characteristics, a similar expectation of loss. What is the primary actuarial reason for opposition? In voluntary insurance ... tell the other person why they, not you, should care. You have to identify the "right stuff". Instead ...- Authors: Daphne D Bartlett, Thomas P Bleakney, Michael F Davlin, Barbara Lautzenheiser, Anthony Spano
- Date: May 1984
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Health & Disability; Life Insurance; Pensions & Retirement
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Product Design/Pricing with Bonus Features
with tomorrow's crisis - today's crisis is health care. Tomorrow's crisiswill be adequate retirementincome ... 65 are going to have to take care of them- selves while they try to care for their parents. That means ...- Authors: Application Administrator, Ted E Becker, Barbara Lautzenheiser
- Date: Oct 1993
- Competency: Results-Oriented Solutions
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Life Insurance; Public Policy
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Federal Income Taxes - Insured And Annuitant Perspective
level playing fields, and stock/mutual was the primary field it was concerned about. The stock companies ... loans and withdrawals is just about as bad as a direct tax on inside build-up. Others take a more moderate ...- Authors: Application Administrator, David Carlson, Stephen C Eldridge, Douglas N Hertz, Andrew D Pike, Virgil Wagner
- Date: Oct 1985
- Competency: External Forces & Industry Knowledge>External forces and business performance
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Public Policy
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Manufacturing Arrangements
"turn- key" you see the manufacturer takes the primary responsibility for the insurance risk. Sometimes ... pure distribution type approach. And here the primary responsibility again lies with the manufacturer ...- Authors: Leonard Koloms, Thomas J Stoiber, Daniel Winslow, William R Sproul, Harry Taylor
- Date: Oct 1988
- Competency: External Forces & Industry Knowledge>Actuarial methods in business operations
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Health & Disability>Health insurance; Life Insurance
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What's Next for Annuities?
for medical care, we are going to see a blur of approaches to living arrangements and care arrangements ... Current concepts of long-term care, custodial, nursing, home care, and retirement community living ...- Authors: Thomas J Mitchell, Timothy Pfeifer, Timothy J Ruark, Inger Harrington, Michael Winterfield
- Date: Oct 1996
- Competency: External Forces & Industry Knowledge>Internal forces and business performance; Strategic Insight and Integration>Strategy development
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities