Description: Discussion of the attitudes of consumers and consumerists regarding the life insurance industry and its products and a discussion of opportunities for improvement Topics include: 1. Disclosure to existing policyholders 2. Policy loan problems, including the policy replacement problem 3. dividend determination practices and 4. deceptive sales practices in the llfe insurance business.

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

Description: This paper, presented at the Eastern Spring Meeting of the Society of Actuaries, held March 24-25, 1960 in Washington, D.C., provides the results of an experience study of first year lapse and “default” rates on ordinary insurance, where the author, Norman F. Buck, has defined “default” rate as a rate including the sum of first year lapses, not takens, and cancellations as of the issue date. The paper includes written discussion and the author’s review of the discussion. From the 1960 Transactions Vol. 12, No. 33.

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

Description: Report on the Lapse and Mortality Experience of Post-Level Premium Period Term Plans

Description: This article is about how insurance companies are deploying insurance technologies.

Description: How can actuaries innovate solutions to the challenges posed by policyholder behavior risks?

Description: Report summarizing the results of the 2018 PBITT UL with Secondary Guarantees Survey

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.