Description: This article discusses how catastrophe risk poses a unique challenge for smaller life insurers.

Description: This article explores Simplified Issue SI as a product. There is a small-company slant toward SI whole life because the vast majority of my experience with SI is in the senior market. However, most of what will be discussed still applies to all SI.

Description: Feature article about the New York State Department of Financial Services (NYDFS) adopting its First Amendment to Regulation 213, Principle-Based Reserving (PBR) and the affects it will cause.

Description: Discusses the current controversy with the NAIC over Small Face Amount Policies, SFAPs.

Description: Read the September 2020 issue of Small Talk published by the Small Insurance Company Section. Newsletters provide practical information for the working actuary, articles on trends that impact sections and news about section activities.

Description: Read the June 2020 issue of Small Talk published by the Smaller Insurance Company Section. Newsletters provide practical information for the working actuary, articles on trends that impact sections and news about section activities.

Description: This article describes the increasing problems in the product filing and forms approval process under state regulation. It also describes the conclusions and product filing uniformity vision that includes the formation of CARFRA which stands for Coordinated Advertising, Rate and Form Review Authority.

Description: This article provided a 1998 update of Mutual Insurance Holding Companies. Subjects covered included state-by-status enabling status, policyholder rights under an MIHC, advantages, and criticisms.

Description: The article was written to address a concern that the author had that reinsurance considerations were being relegated to the back of the product development cycle. He was concerned that reinsurance input on benefit design, underwriting and pricing was not getting into the process. From Small Talk Newsletter, November 2005, Issue No. 25.

Description: Small Talk Newsletter, June 2005, Issue No. 24. Last fall, the Internal Revenue Service IRS released Notice 2004-61, 2004-41 I.R.B. 596 October 12, 2004, interpreting the reasonable mortality charge requirement applicable to life insurance contracts under Section 7702 of the Internal Revenue Code.