Description: As we further explore how life insurance customers think and behave, we can address their needs more effectively. Using data and predictive analytics we can better identify groups to target. By embracing technology and approaching customers with the right distribution channels based on preference, we can make life insurance more accessible. We can speak the customers' language. We can understand that they are not all created equal, and tailor products to meet individual needs. In short, we can leverage data, research and technology to become very consumer centric. Getting closer to the customer, can we lower the perceived cost, and raise the perceived benefit of life insurance to a point where customers get excited? Will this not then be a product to buy, not sell?

Description: Presented at October 1986 Annual Meeting. Discusses the reasons for substantial changes in life insurance pricing philosophy in recent years and their impact on actuaries and companies both now and in the future.

Description: RECORD OF SOCIETY OF ACTUARIES 1981 VOL. 7 NO. 3 This discussion looks at the future of permanent life insurance as of 1981, comparing traditional permanent products to term life, universal life, and non life insurance products. Related uncertain economic environment issues and tax issues are discussed.

Description: This article describes the potential effects of a Guideline Premium Forceout on the policy values and administration of Universal Life policies.

Description: Introductory Comments for the Response to Life Insurance 2020 Foresight – A Call for Essays e-Book. This e-book focuses on the vision for the future of the life insurance sector.

Description: Identifies current trends and considerations when setting the mortality improvement assumption for individual life insurance in the US.

Description: The Chairperson addresses the readers.

Description: Article Editorial by Moorhead in The Actuary, February 1979, Volume 13, Number 2

Description: This article gives the highlights of the 88-page report including detailed assumptions for products including universal life with secondary guarantees (ULSG), cash accumulation universal life (CashAccum), current assumption universal life (CAUL), indexed universal life (IUL) and variable universal life (VUL). The 29 companies and 83 products represented in the report allow for an interesting perspective on premium persistency assumptions used in pricing, cash flow testing (CFT) and generally accepted accounting principles (GAAP)/international financial reporting standard (IFRS) functions. This article covers some general results and ULSG-specific results.

Description: A basic overview of the life reinsurance market in Mexico. Including historical information regarding life insurance and life reinsurance premium. Briefly touches on the expected implementation of new solvency regulations and how this may affect the reinsurance marketplace.