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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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Non-Smokers Policies
of Medicine of _arch of last year estimated that direct health costs attributable to cigarette smoking ... who smoked "high" tar-nicotine cigarettes. If you care to research this further you can see the article ...- Authors: Daniel Case, Michael Cowell, Marshall H Lykins, Elena O. Nightingale, Nathan Maccoby
- Date: Oct 1979
- Competency: External Forces & Industry Knowledge; Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance; Life Insurance>Pricing - Life Insurance
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What's New with Term Insurance
been involved with term products from both the direct writing and reinsurance sides for the last eight ... These differences are important to insurers writing direct business in New York and to companies that accept ...- Authors: Wilbur M Bolton, Thomas A Phillips, Katherine Anderson, Mary J Bahna-Nolan
- Date: May 1994
- Competency: Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Pricing - Life Insurance; Life Insurance>Term life; Public Policy
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Fine-Tuning the Product Development Process
creativity was National Travelers with the long-term care rider. They were the first on the street with it ... minute National Traveler came out with long-term care, I bet every company in here went to their local ...- Authors: Shane A Chalke, Gregory D Jacobs
- Date: Jun 1990
- Competency: External Forces & Industry Knowledge; Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities>Pricing - Annuities; Life Insurance>Pricing - Life Insurance
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Agile or Fragile? Underwriting and Mortality at the Older Ages: Part 2
is first-dollar quota share, so it should mirror direct face amounts, but it tends to have larger average ... when, starting back in the 1990s, they became the direct writer by taking 90 percent of the risk. How much ...- Authors: Application Administrator, Allen Klein, Christopher Shanahan
- Date: May 2005
- Competency: External Forces & Industry Knowledge>Internal forces and business performance; Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Experience Studies & Data>Mortality; Life Insurance>Pricing - Life Insurance
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Pricing with Mortality Improvements
suggested to me by the Microsoft Word Thesaurus, my primary source for alternative words: “ forecast”, “prediction” ... product illustrate better. That’s probably the primary motivation for projecting mortality improvements ...- Authors: Application Administrator, Robert W Foster, Ronald Klein
- Date: Jun 1997
- Competency: Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Pricing - Life Insurance
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Adjustable Life Products
20% of its business comes from this outlet. Its primary market is the family market, but it also operates ... transitional problems for agents. b. Replace only the primary life and term plans, including Whole Life, Limited ...- Authors: James C Charling, J Stanley Hill, Wilfred A Kraegel, Robert L Senkler, Robert D Houge
- Date: May 1978
- Competency: Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance; Life Insurance>Pricing - Life Insurance
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Repricing the In-Force Book of Business
Repricing the In-Force Book of Business 1992 SOA Annual Meeting, Washington, D.C. This session ... the primary goal of dividend determination in many companies, and that it is properly the primary constraint ...- Authors: Albert Easton, Selig Ehrlich, Donna Claire
- Date: Oct 1992
- Competency: Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities>Pricing - Annuities; Life Insurance>Pricing - Life Insurance; Public Policy
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Use of Cash-Flow Testing in Product Development
Use of Cash-Flow Testing in Product Development 1993 SOA Annual Meeting, New York. ... spreed-to-tressuries. If a different rate were used, then the primary change would be the absolute level of the curves ...- Authors: David N Becker
- Date: Oct 1993
- Competency: Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities>Pricing - Annuities; Life Insurance>Pricing - Life Insurance
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Better Pricing in an Uncertain World
Better Pricing in an Uncertain World 2004 SOA Annual Meeting and Exhibit, New York. This session ... the cash value is not usually going to be the primary payout from these products as it was with your ...- Authors: Timothy Hill, Tim Bennett
- Date: Oct 2004
- Competency: Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities>Pricing - Annuities; Annuities>Variable annuities; Life Insurance>Pricing - Life Insurance