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Interest-Sensitive Products In A Stable Rate Environment
deferring tax on the inside build-up. This is the primary benefit of annuities. Under the new tax law, life ... advantages these products have, com- pared with their primary competitors. Along with Greg, I feel that single ...- Authors: Gregory J Carney, Douglas Doll, Mark A Tullis, Robert L Whitney, Ben Wolzenski
- Date: Oct 1986
- Competency: Strategic Insight and Integration>Strategy development; Technical Skills & Analytical Problem Solving>Process and technique refinement
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities>Fixed annuities; Life Insurance>Universal life
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Universal Life
Great Southern Life, here in Houston, have made primary comitments to universal life insurance. These ... a universal life product. This decision was the direct result of continuing inflation, growing consumerism ...- Authors: Robert L Collett, Gary P Monnin, James N Parrish
- Date: Apr 1982
- Competency: External Forces & Industry Knowledge>External forces and business performance; Technical Skills & Analytical Problem Solving>Innovative solutions
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Pricing - Life Insurance; Life Insurance>Universal life; Public Policy
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Universal Life
discuss some, but by no means all, of these. The primary concern of the administrative system for this type ... is not unusual for the tail to wag the dog. A primary factor in the marketability of universal life versus ...- Authors: William Carroll, Daniel Case, Christian J DesRochers, Harold B Leff, James Robinson
- Date: Apr 1983
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Universal life
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Universal Life
markets are we talking about? We're talking about the direct sale market, salary savings market, pension market ... suicidal practices that are leading to losses for the direct writers, losses for the reinsurers, and insufficient ...- Authors: Darlene H Davis, Michael F Davlin, John Fritz, Dale W Hotze, Randall Mire
- Date: May 1983
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Universal life
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Universal Life Update
design is used. Others suggest that commissions to direct agents and PPGA's will move to higher levels. ... issue age, plan type or amount of insurance. When direct charges for such commissions are made, we must ...- Authors: Wayne D Bidelman, Andrew Bodine, Allen D Booth, Thomas F Eason, Robert W Buechner
- Date: May 1982
- Competency: External Forces & Industry Knowledge>Actuarial theory in business context; Strategic Insight and Integration; Technical Skills & Analytical Problem Solving>Innovative solutions
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Universal life
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The Next Generation Universal Life
continue to be the primary distributors for UL insurance. Banks, through direct relationships and through ... 1000, so that is the marketplace to which I will direct my comments. We will discuss trends in sales, ...- Authors: Daniel Byrne, Deanne L Nezas, Ken McCullum, Daniel Towriss
- Date: May 1999
- Competency: Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Pricing - Life Insurance; Life Insurance>Universal life; Public Policy
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Future Trends and Current Developments in Individual Life Products
income taxes, not excess field costs, are the primary reason permanent insurance is less competitive ... the term commis- sions. The 150% factor reflects direct commissions, first year manager over- rides and ...- Authors: David R Carpenter, Spencer Koppel, Alan W Sibigtroth, John E Tiller
- Date: Oct 1979
- Competency: External Forces & Industry Knowledge; Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Pricing - Life Insurance; Life Insurance>Term life; Life Insurance>Universal life; Public Policy
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Update on Universal Life Reserves and Non-Forfeiture Values
paying premiums and thought that he would be taken care of. The current NAIC proposal for some reason calls ... It was on purpose. Under Option B there are no direct charge limits. If you read the regulation you won't ...- Authors: Douglas Doll, James W Lamson, Philip Polkinghorn
- Date: Jun 1988
- Competency: External Forces & Industry Knowledge>Actuarial methods in business operations
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Universal life
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C-3 Risk and Liability Hedging
surrenders and loans (i.e., whether there is direct recognition of loans), and (4) the evaluation of ... panel used a situation where the policies had direct recognition. Interestingly, loans had little effect ...- Authors: William Britton, Douglas Doll
- Date: Jan 1988
- Competency: Technical Skills & Analytical Problem Solving
- Topics: Financial Reporting & Accounting>Statutory accounting; Life Insurance>Universal life; Life Insurance>Whole life; Public Policy
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Adjustable Life Products
total result should be considered - not only the primary effects, but also the secondary effects. Since ... objectives are, let me suggest several. First, the primary objectives - relating to the purpose of providing ...- Authors: Robert E Hunstad, Wilfred A Kraegel, WALTER L CHAPIN, Charles L. Trowbridge, James C H Anderson
- Date: Oct 1976
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Universal life