Description: This is a research report summarizing results of premium persistency assumptions used by life insurers for flexible premium UL products.

Description: The authors explore a new approach to the premium persistency assumption in universal life products.

Description: Panelists discuss customer life-cycle needs for life and annuity products and what can be done when a customer's needs change. They also discuss the opportunities and risks associated with the migration of customers through products and wealth-transfer needs. From the 2002 Record of Society of Actuaries, Volume 28, No. 3. Session 32PD of the Boston Annual Meeting.

Description: Article on mortality anti-selection - different versions of the Dukes/MacDonald approach to measuring mortality anti-selection resulting from high lapse rates and/or term products with explicit re-entry provisions.

Description: This article discusses the structure of and the dangers posed by Stranger-Originated Life Insurance STOLI.

Description: This paper presents a large number of studies made by The Mutual Life of New York determining the effect on the lapse rates of the various characteristics of the insured, the policy, the agent, and certain economic factors. From Transactions of Society of Actuaries 1951, Vol. 3, No. 7.

Description: Panelists discuss recent trends in the effects of mortality and lapse rates on term life insurance. The discussion includes: • Theories predicting the impact lapse rates have on mortality after the level premium period • Recent industry studies on mortality and lapses • The impact lapse and mortality rates have on profits

Description: Read the Quo Vadis Reinsurance.

Description: Report summarizing the results of the 2013 PBITT UL with Secondary Guarantees Survey.

Description: Report examining the lapsation of ordinary insurance in the U.S. between 1989 and 1990 policy anniversaries, based on face, premium and count.