Description: This session from the 1981 SOA Spring Meeting focused on return on investment in a rate-regulated environment. Topics included current rate-regulated environments, current use of ROI, ROI in price setting and future rate regulation controls. From Record of Society of Actuaries, Vol. 7, No. 2.

Description: This 1979 session is about Dividend Philosophy. Topics covered: 1. The Committee on Dividend Philosophy's report: a. Extending the recommendation to annuities and to par business of stock companies? b. Desirability of recognizing material differences in experience? c. Treatment of investment generation methods? 2. The Roles of the AAA and the CIA a. The development of further interpretive material. b. Actuarial certifications to management and for Annual Statement c. Caveats for dividend illustrations

Description: 1999 Valuation Actuary Symposium, Los Angeles. This session focused on how the industry has responded to the financial management challenges associated with Equity-Indexed products. Topics included: 1. Investment hedging and market volatility. 2. Product modeling. 3. Participation rate competition. 4. Product evolution. 5. GAAP for Derivatives - FAS 133.

Description: 1993 SOA Meeting, Quebec. This session is about product trends, state regulations, disclosure requirements and tax status. Topics included: 1. The development of the NAIC model regulation on accelerated benefits. 2. Some state-specific responses to accelerated benefit products. 3. The tax status of accelerated benefits. 4. ACLI comments regarding several shortcomings in the model regulation.

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: Panelists discuss the implications of marketing ethics on smaller companies as they relate to large company sales practice litigation. From the Record of the Society of Actuaries, Vol. 23, No. 3.

Description: This article describes how Long-Term Care riders attached to Life Insurance policies provide real insurance value at a reasonable cost and allow life insurance companies to compete on a basis other than cost.

Description: This paper examines the following cases from 1963: 1.MISREPRESENTATION CHOICE OF LAW: Fleet Messenger Service v. Life Insurance Company of North America, 2. LIABILITY FOR NEGLIGENT DELAY CONFLICT of LAWS:Lowe's North Wilkesboro Hardware v. Fidelity Mutual Life Insurance Company, 3. MISREPRESENTATION SUBSTANDARD POLICY: Turner v. Manhattan Life Insurance Company, 4. AVIATION RESTRICTION DEATH BY DROWNING AFTER CRASH: Rauch vs. Underwriters at Lloyd's of London, 5. LIFE INSURANCE FEDERAL INCOME TAX-TAX EXEMPT INTEREST: Atlas Life Insurance Company vs. United States of America, 6. DIVIDEND LESS THAN ANNUAL PREMIUM- DUTY OF INSURER TO APPLY DlVIDEND: Simmons 9. Cambridge Savings Bank, 7. ACCIDENTAL MEANS HEART ATTACK CAUSED BY EXERTION: Linden Motor Freight Company v. Travelers Insurance Company

Description: In this session 120F of the New York Annual Meeting the panel discusses the impact that the Insurance Marketplace Standards Association and other recent market conduct developments will have on the practice and the profession of the actuary. From the Record of the Society of Actuaries, Vol. 24, No. 3.

Description: This session from the 1984 SOA Salt Lake City Meeting covers the market for payroll deduction life insurance, organization and service for this market, the administration required, the regulatory issues and the experience.