Description: The world around us keeps changing F.A.S.T. propelling life insurance companies to respond with F.R.E.S.H. product solutions.

Description: Article analyzes the value of a discounted accelerated benefit provision and suggests that it might be more generous than expected.

Description: Summary of a survey conducted by Milliman of 28life insurers on the impact of AG49 and AG49-A on their Indexed Universal Life products.

Description: Letter from the Chair of the Product Development Council. Challenging times bring opportunities. Today's low interest environment is a rallying cry for our industry to transform our products and the way we do business

Description: This article discusses reaction to the requirement by the European Union for gender neutral pricing. One UK insuring is providing rates that are lower if you "Drive Like a Girl". The benefit to the consumer is lower rates as females tend to have better auto insurance experience as compared to males. Nothing is preventing males from applying for the coverage. However, it is clearly marketed to females as one can see from their branding materials. A black box attached behind the dashboard of the car monitors the driving (speed, acceleration, etc.) to confirm that they are indeed "Driving Like a Girl" as their insurance assumes.

Description: This is a brief article from the current Chairperson of the Product Development Section Council. In this article, the chairperson notes the benefits of volunteering both within the actuarial community and at home in our local community.

Description: In this article, the author discusses discuss the use of the Cox Proportional Hazards Model in developing a predictive underwriting model that produces a mortality multiplier for each individual.

Description: Key excerpts from research recently performed by Milliman consultants for the SOA on the impact of VM-20 on life insurance product development.

Description: Provide high level summary of predictive modelling.

Description: Discussion of a new product concept in life insurance: Registered Indexed Variable Universal Life (RIVUL). A product idea based on the sales success of Registered Indexed Life Annuities (RILA), but applied to life insurance. The article discusses the pros and cons of the product idea and the ability of it to provide a company with something different relative to existing universal life insurance products.