Description: A summary of concerns about the Community Living Assistance Services and Supports Act, including flaws in the underlying premises, opportunism, inadequate sales incentives, insufficient benefits, adverse selection, and cashflow and solvency issues.

Description: Ways of closing the mortality protection gap, by leveraging some of the new technology, data and analytics to reduce the friction in the buying process.

Description: A comment letter to policymakers produced jointly by the SOA and AAA presents findings from their actuarial analysis of the proposed CLASS Act. The analysis indicates that the proposed structure and funding approaches will be unsustainable, and will cover only a very small proportion of the intended population. The opt-out and guaranteed issue provisions of the plan pose a risk that soon the program will either need increased premiums and/or significant reductions.

Description: Little article describing in a simple way why a death tax is more beneficial to the country's government than an annual tax on capital returns. Note the difference in yields drives the result.

Description: This paper is on the fear of rejection when prospecting, which is one of the biggest obstacles for consultants when it comes to developing business and getting clients.

Description: This article discusses reasons why the Society of Actuaries is not vocal in expressing its opinion.

Description: Opinion article that explores the possibility of the actuarial profession producing its own Nate Silver, someone able to convert complicated actuarial concepts into meaningful and understandable public communications.

Description: The Stepping Stone issue 60, November 2015

Description: Understanding the true drivers of human behavior is essential if we are to capitalize on opportunities offered in a new era of personalized persuasion.