Description: Some insurance products on the market today accelerate the death benefit by paying a portion of the benefit before death under certain prescribed conditions. The more common of these products are long-term-care and dread disease riders to life policies. This paper presents generic formulas for calculating the cost of morbidity that would be multiplied by the policy's net amount at risk in an asset share pricing calculation. From Transactions of Society of Actuaries 1990, Vol. 42.

Description: Analysis of Alzheimer’s Disease as a potential Critical Illness insurance benefit trigger.

Description: In session 139PD of the Washington Annual Meeting panelists discuss emerging issues impacting the pricing of individual life and annuity products. From the Record of the Society of Actuaries, Vol. 23, No. 3.

Description: Presented at April 1985 Spring Meeting. Discusses new business developments which have led to a resurgence in term life sales and profitability.

Description: This article gives examples of how an actuary can live by the actuarial motto of substituting facts for appearances. The specific examples given are setting the mortality for table shaved individual life business and setting late duration lapse assumptions for level term business.

Description: This session reviewed the distinctions and blurring of those distinctions between group and individual life insurance. Topics include differences in underwriting, legal constraints, marketing and distribution, and the nature of guarantees provided

Description: This panel discussion focuses on expense analysis and allocation. Areas addressed include standard of measure used, inconsistencies in expense allocations, and alternate methods of allocation of marketing expenses.

Description: Relationship of IRR to ROI on a Level Term Life Insurance Policy

Description: Presented at May 2002 Spring Meeting. Discusses the most reasonable profit measures and how they can be interpreted in various environments.

Description: Ways of closing the mortality protection gap, by leveraging some of the new technology, data and analytics to reduce the friction in the buying process.