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: Results of the PBITT Working Group annual VA Survey.

Description: Report summarizing the results of the 2015 PBITT UL with Secondary Guarantees Survey.

Description: Discussion of a New York Times article dealing with the arbitraging of policy loan proceeds by investing them in money market instruments whose yields were well above the policy loan interest rate.

Description: This session from the 1983 SOA Spring Meeting discusses disintermediation and intermediation risk - C-3 Risk, investment strategy and product design including market value adjusted products. From Record of Society of Actuaries Vol. 9, No. 2.

Description: To understand the relationship between lifestyle behaviors and mortality, RGA investigated a national, health-related, mortality-linked data set provided by the U.S. Centers for Disease Control and Prevention (CDC). RGA Strategic Research Actuary Julianne Callaway discusses the company's findings.

Description: As part of its work, the PBITT working group issued its annual survey to gather the range of assumptions actuaries use in pricing, reserving, and risk management of minimum guarantees on Variable Annuity products, such as death benefits, income benefits, withdrawal benefits and maturity benefits.

Description: How can actuaries innovate solutions to the challenges posed by policyholder behavior risks?

Description: Report summarizing the results of the 2018 PBITT UL with Secondary Guarantees Survey

Description: This is a research report summarizing results of premium persistency assumptions used by life insurers for flexible premium UL products.