Description: Social Security provides financial protection by annuitizing retirement. This is not enough for many. My idea creates an additional annuity via Social Security.

Description: Examination of full surrender and benefit utilization industry experience for Variable Annuities with and without Guaranteed Lifetime Withdrawal Benefits. Part 1 of 3 articles focuses on full surrenders and building a dynamic surrender function using predictive modeling tools.

Description: Results of the PBITT Working Group annual VA survey.

Description: New Zealand is about to launch its first variable annuity with guaranteed lifetime withdrawal benefits. The product design is mindful of the lessons from the financial crisis in the United States, Europe and Japan.

Description: The article describes the 2017 Redington Prize-winning paper "Lapse-and-Reentry in Variable Annuities", by Thorsten Moenig and Nan Zhu, FSA.

Description: As part of its work, the PBITT Working Group issued its seventh 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: In session 81PD of the Montreal Spring Meeting panelists discuss the results of the Life Insurance Marketing and Research Association LIMRA/SOA 1992-94 Annuity Persistency study. From the Record of the Society of Actuaries, Vol. 23, No. 2.

Description: This is a report on the PBITT Working Group's fourth survey to gather the 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: The article summarizes several recent private letter rulings from the IRS addressing the "investor control" doctrine in the context of funds of funds.

Description: Help to generate ideas for formulating a pricing strategy of 2015 individual health insurance products despite having very limited claims and premium experience in early 2014.