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

Description: This article discusses and summarizes the results of the Canadian Institute of Actuaries CIA studies of lapse experience under universal life cost of insurance and term-to-100 policies. Reprinted with permission from Product Matters! June 2008

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

Description: This article discusses the collapse of Equitable Life, founded in London in 1762 as the Society for Equitable Assurances on Lives and Survivorship.

Description: This article explores the unique economic and behavioral considerations and challenges in reaching the millennial generation to help them address their life insurance protection needs.

Description: Answers common questions surrounding the individual life study and how to participate