Description: In this article, we discuss the future of wearable technology in life insurance. Evidence from recent research shows that low levels of physical activity, as measured by steps per day indicate much higher mortality risk while higher levels of activity correspond with lower risk. The article shares insights of how insurers can use wearables to innovate by improving the customer journey, expanding insurability, engaging customers, promoting healthy lifestyles and improving risk assessment. Lastly, we discuss the challenges and considerations when using new data and technology to ensure success.

Description: Tells what occurred after the adverse private letter ruling PLR 200738016 up to the issuance of the revenue procedure, and offers some speculation about the future.

Description: Valerie Tsang and Jessica Kirkwood are both senior consultants with Ernst & Young LLP (EY UK) and Ernst & Young LLP (EY US) respectively, who also have something else in common—they both have recently moved to a new country and are now immersed in a different market. Here, they discuss the quick-changing landscape of actuarial work and regulations and the importance of being aware of the key issues both in the countries they work in and globally, as well as some of the differences they have seen between the UK and US markets.

Description: An analysis of US population mortality trends and the impact of COVID.

Description: Interview on opportunities for InsurTechs in Life and Health reinsurance. Themes covered include digital distribution and digital health data. The article also shares insights into the role of the reinsurer when working with InsurTechs.

Description: Discusses the different forms of guarantees that have been used in life insurance, and the various means of analyzing and establishing financial support to assure that these promises can be met.

Description: Discusses the current activities of the Life Liquidity Risk Working Group of the NAIC.

Description: Discusses legislation being proposed in various states that would apply to Small Face Amount Policies, SFAPs.

Description: This paper derives exact expressions for the ultimate ruin probability and establishes the effect of correlation on ruin probability using the Wiener-Hopf factorization.

Description: A review of how credit life and disability insurance is used in conjuction with real estate loans.