Description: Discussion of roles of health actuaries in the future.

Description: Recommendation to measure the risk for the components of combination Life/LTC products.

Description: This research report on the ability to influence annuity purchases found the following contrast: • Pre-retirees’ intentions to buy a life income annuity appear to be impacted by the interventions tested in this research. There were stronger effects when pre-retirees were provided with basic information, such as life expectancy, and anecdotal evidence. • Retirees’ annuity purchase intentions do not appear to be impacted by the interventions used in the study.

Description: This article is based on the author's discussions with many executives of insurance companies regarding the challenges and limitations in ERM at its current state of evolvement. The following areas need to be addressed and improved on, in the author's opinion, to 'take ERM to the next level': 1. Reconciling Risk Concerns of Creditors and Shareholders. 2. Managing of Operational Risk. 3. Execution Risks. 4. Producing Credible and Useful Risk Adjusted Performance Measures. 5. Aligning Performance Metrics with Management’s Performance Measurement Philosophy.

Description: Discussion of recent economic, social and political environment and trends and the impact they have had on insurance regulation and needed changes in the regulations and regulatory process.

Description: This article outlines industry practice and consideration for pricing acceleration-only riders to life insurance policies.

Description: 2004 SOA Spring Meeting, Anaheim, CA. This session was about various alternative skills that actuaries might need such as business acumen, communication skills, asset knowledge, knowledge of broader financial markets, and knowledge of corporate operations.

Description: This discussion asks if the competitive position of smaller companies is improving or declining as compared to that of larger companies and if various developments have worked against smaller companies.

Description: This is a discussion on individual life insurance market needs and product design under conditions of inflation. Specifically it highlights the needs and interests of potential customers during periods of inflation, what problems are created in traditional life insurance product design during inflation, what solutions are available to life insurance companies and what solutions may be available in the future.

Description: This survey of emerging risks attempts to track the risk manager population‘s thoughts about emerging risks across time. The top 4 emerging risks from this third iteration of the survey are: 1. US current account deficit/fall in US dollar. 2. Blow up in asset prices/excessive indebtedness. 3. Oil price shock/energy supply interruptions. 4. Chinese economic hard landing.