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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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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
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Universal Life
may be linked into the contract along with the primary insured. Another type of rider that is being used ... values, the reserves, and the commissions are the primary numbers although there are a couple of others that ...- Authors: William G Harman, Ben H Mitchell, Leonard E Odell, Samuel H Turner
- Date: Oct 1981
- 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>Universal life; Public Policy
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Current Statutory Reporting Topics for Life and Annuity Products
policyholder dividend liability, the Long-Term Care Guidance Manual and the revisions to the Generally ... recently. The B committee has adopted the Long-Term Care Guidance Manual. It takes the position that minimum ...- Authors: Meredith Ratajczak, Harry R Shissler
- Date: Oct 2002
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities>Capital - Annuities; Annuities>Reserves - Annuities; Annuities>Variable annuities; Financial Reporting & Accounting>Statutory accounting; Life Insurance>Reserves - Life Insurance; Life Insurance>Universal life; Life Insurance>Capital - Life Insurance
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Variable Universal Life Insurance
5 percent would be marginally costed and have a direct impact on overall acquisition costs. One additional ... could make that available to client companies on a direct reinsurance basis. MR. LES WEBB*: I would like ...- Authors: Michael Braunstein, Joseph O North, Zafar Rashid, Donald R Sondergeld, William A Stoltzmann, Michael R Tuohy
- Date: Apr 1985
- 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: Life Insurance>Universal life
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The Driving Force Behind Participating - Universal Life - Nonguaranteed Element Product Development
that we don't offer: disability income, long-term care, that sort of thing. We offer other companies' products ... elements, but other elements of service and taking care of themselves, and you feel that the job is largely ...- Authors: Christian J DesRochers, Philip Polkinghorn, Linda S Streck, Mark A Tullis
- Date: May 1994
- Competency: Strategic Insight and Integration
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance; Life Insurance>Pricing - Life Insurance; Life Insurance>Universal life