Description: Over the last few years, many direct companies have started inforce management programs and are now navigating what actions can be taken to optimize the business. At the same time, the legal, compliance, and regulatory environments are also changing. The presenters will explore the development and implementation of programs such as changing non-guaranteed elements or efforts to improve experience while considering the changing compliance environment, including New York Regulation 210, ASOP2 and litigation challenges.

Description: This discussion at the SOA 1990 San Francisco Spring Meeting covers living benefit riders including benefit designs, regulatory activity, tax status, pricing considerations and reserves.

Description: This session discussion is about the long-term care and living benefit riders, early sales results, benefit structure, development of claim costs and regulatory and tax considerations. From Record of the Society of Actuaries Vol. 15, No. 3A.

Description: This session discussion is about accelerated death benefit riders, current product structures, consumer response, state insurance department reactions, tax issues and anti-selection considerations. From Record of the Society of Actuaries Vol. 15, No. 2.

Description: This discussion is about group life insurance for employees on leave due to military service, methods for estimating group dividend liabilities, and issues in the underwriting of Group Hospital Expense insurance.

Description: This session discussion is about Federal Income Tax, policy issues, single premium products, inside buildup and corporate owned life insurance. From Record of the Society of Actuaries Vol. 15, No. 2.

Description: This discussion focuses on group insurance, the experience under industry-wide group policies, problems in the writing of small groups, the trend of hospital and surgical expense claim ratios, experiments providing medical expense benefits for pensioners, and examines the progress made in developing catastrophe coverages.

Description: This session from the 1983 SOA Spring Meeting discusses self-insurance and captive insurance companies including the motives for forming captive insurance companies, the captive concept as it applies to credit insurance, bank holding company captive insurers, the financial and non-financial reasons and operational considerations.

Description: This session from the 1984 SOA Toronto Meeting analyzes current and possible future non-traditional/mass marketing techniques, examining their potential for enhancing present day, insurance marketing methods and the impact on the agency system. From Record of the Society of Actuaries Vol. 10, No. 4A

Description: The presentations at this session at the 1990 SOA Annual Meeting offer thier view on the future of the life insurance industry in terms of demographics, economics, consolidation and products. The status of the actuarial profession in 10 years is contemplated.