Description: This paper sets the task of pricing insurance products in the larger framework of company planning and management. A generalized description of the pricing function, applicable to any insurance company project.

Description: This is an excel spreadsheet with some data pertaining to an article of the same name from the Product Development News

Description: This discussion at a Smaller Company Forum is about the challenges that smaller companies face in three areas - actuarial student recruiting and training, gross premium determination, and agency building.

Description: This article discusses a recently completed RGA in-depth study that looked at assumptions and experience for lapses and mortality at the end of the level premium period for level term business.

Description: The author discusses an interpretation of the surrender charge limitations specified in New York’s Regulation 77 which increases the maximum allowable surrender charges for renewal years. This interpretation was presented to and accepted by the New York State Insurance Department.

Description: This article discusses the characteristics of companies dedicated to being leaders in the Term market and the role that reinsurers play.

Description: This article highlights the interaction between pricing and corporate. There is a move toward principle-based reserving standards in the United States.

Description: In actuarial work, we are frequently confronted with problems with more than one apparently reasonable answer. This article deals with one of these, where the Federal DAC cost can be applied in an apparently reasonable, but incorrect, manner.

Description: This 1979 session is about Non-Smoker Policies. Topics covered: 1. What data are available? How significant are they? 2. What are the effects of cigarette smoking on health? 3. In what ways can people be educated to stop or not start smoking cigarettes? 4. What are the possible policy implications of the foregoing for the life and health insurance business? 5. For policies with nonsmoker discounts, what are the pricing implications with respect to: a. Nature of the discount -Should it be guaranteed? b. Effect on standard class pricing? Deficiency reserves? Reinsurance? c. Competitive impact? 6. The application form: Information needed, and how do you get it?

Description: Essay of using microeconomics and Embedded Value concepts to evaluate direct marketing programs.