Description: The financial sector should provide financial security and allocate capital well. As its preeminent professionals actuaries have particular responsibilities.

Description: Trends in mortality have a huge impact on the insurance industry and its products, risks and profitability. Worldwide, life expectancy has increased continuously over the past decades. However, this progress—even without considering the Covid-19 pandemic—has been subject to strong fluctuations. In recent years, an increase in volatility can be observed. Various aspects—medical science, environment, lifestyle—have influenced the trend in the past. How can the life and health industry move forward in these uncertain conditions? In this article, we examine what has gone before and what can be learned from a closer analysis. What are the main drivers of the historical increase in life expectancy? What characterizes the dynamics of the recent past? How can mortality be projected into the future? How good are our methods of prediction and what are the risks? What risk management options are available?

Description: With the medical insurance market experiencing health care inflation of 10 to 13 percent and medical costs averaging above $8,000 per year per employee less for single employees and more for employees with families, employers are looking at alternative options. Politicians and regulators are as well.

Description: This article discusses the whys and hows of managing risk and capital at the enterprise level.

Description: This article discusses reserving issues for life insurance products with limited level premium guarantees or no-lapse guarantees, and capital markets solutions as an alternative to traditional reinsurance for relief from redundant reserve strain.

Description: A comparison of fully insured medical insurance to two self- funding alternatives , specific and aggregate and level funding .

Description: This article describes Solvency II, an overhaul of the European regulatory regime, and discusses the implications for reinsurers.

Description: The article summarizes the results of the 2022 U.S. and Canadian Life Reinsurance Survey, for both Individual Life and Group Life business, conducted by the Reinsurance Section of the Society of Actuaries.

Description: First dollar carriers, stop loss carriers, and reinsurers play a different role in reimbursing healthcare claims. This article explores the reinsurer's role in reimbursing COVID-19 related claims.

Description: This article discusses a multiyear design for stop-loss reinsurance used by employers offering self-funded medical benefit programs.