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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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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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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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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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Current Developments Surrounding Regulations and Standards of Life and Annuity Products
ATKINS: Does anybody think the market could take care of these excesses on its own? MR. MILLER: It demonstratively ... average credit rate tight now is 6-7.5%. I don't care whether you had a discipline scale or an undisciplined ...- Authors: James Atkins, Shane A Chalke, Walter N Miller, Robert E Wilcox
- Date: May 1995
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Life Insurance; Public Policy
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Insurance Compensation Trends and Outlook
companies; • Pressures on the current systems from direct marketers, the Internet, and otherwise. Mr ... why there's not much. From the Floor: Would you care to comment on the Canadian experience? Mr. Robinson: ...- Authors: Joel Wolfe, Jeffrey M Robinson, Deanne L Nezas
- Date: Jun 1998
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Life Insurance
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Individual Life Insurance Product Design Under Conditions of Inflation
feeling for market segmentation is unquestionably of primary importance. Without it further analysis may not ... the market loan policy loan interest rate and the direct recognition of policy loans on individual policies ...- Authors: Allan Affleck, Charles L Edris, Wilfred A Kraegel, Alan C Snyder
- Date: Apr 1982
- Competency: External Forces & Industry Knowledge>External forces and business performance; Strategic Insight and Integration
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Life Insurance; Public Policy
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Sales Illustrations-We Can't Life with Them, But We Can't Live Without Them!
even similar policies in different companies. The primary reason is that the assumptions that underlie the ... traditionalparticipatingwhole life. In these policies,the direct effect of any singlenonguaranteedelement cannot ...- Authors: Application Administrator, Bruce Booker, Judy Faucett, Robert M Nelson
- Date: May 1993
- Competency: External Forces & Industry Knowledge; Professional Values
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Life Insurance; Public Policy
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Innovation in Savings Product Design
distributors, meaning banks, stock brokerage companies, direct marketing organizations, and property and casualty ... underlying funds. 311 RECORD, VOLUME 21 Company direct term is a by-product of many different factors ...- Authors: Alan K Ryder, Marc G Verrier, Peter S Mavrogenes
- Date: May 1995
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Finance & Investments>Banking - Finance & Investments; Global Perspectives; Life Insurance