Description: This is a panel discussion session examining the complaints of life insurance consumers. The subjects include readability of contracts, risk classification methods, variety of product including the meaning of product names- what does the customer think he/she is buying or has bought, perceived lack of competition,

Description: Over the last few years, many direct companies have started inforce management programs and are now navigating what actions can be taken to optimize the business. At the same time, the legal, compliance, and regulatory environments are also changing. The presenters will explore the development and implementation of programs such as changing non-guaranteed elements or efforts to improve experience while considering the changing compliance environment, including New York Regulation 210, ASOP2 and litigation challenges.

Description: Results of the PBITT Working Group annual VA Survey.

Description: Survey of appointed actuaries about asset adequacy testing techniques currently being used in 2012.

Description: Report summarizing the results of the 2015 PBITT UL with Secondary Guarantees Survey.

Description: Discussion of a New York Times article dealing with the arbitraging of policy loan proceeds by investing them in money market instruments whose yields were well above the policy loan interest rate.

Description: This session from the 1983 SOA Spring Meeting discusses disintermediation and intermediation risk - C-3 Risk, investment strategy and product design including market value adjusted products. From Record of Society of Actuaries Vol. 9, No. 2.

Description: The Canadian Institute of Actuaries (CIA) and the SOA are collaborating on certain types of research projects as part of a bigger initiative to enhance the support the SOA provides to Canadian members.

Description: Instructions for contributing policyholder behavior data to the 2005-2007 experience study

Description: To understand the relationship between lifestyle behaviors and mortality, RGA investigated a national, health-related, mortality-linked data set provided by the U.S. Centers for Disease Control and Prevention (CDC). RGA Strategic Research Actuary Julianne Callaway discusses the company's findings.