Description: A review of product and sales trends for variable, indexed and fixed annuities against the current backdrop of low interest rates and record equity market valuations

Description: This is a discussion about new product developments, supplementary benefits - Accidental Death, Guaranteed Insurability and automatic inclusion of supplementary benefits rather than optional, product expense trends, considerations in setting commissions for policies with different characteristics, and analyzing and entering new markets.

Description: With freezing and termination of DB plans, there is a growing void in retirees' retirement planning that can best be solved by annuities. The presenters will discuss different ways that annuities can be used to provide retirement income in DC plans. They will also cover industry trends and the challenges of associated with adding annuities within DC plans

Description: This 1978 discussion focused on Individual Annuity experience and current events including: 1. Marketing issues 2. Actuarial issues 3. SEC study 4. FIT issues 5. Nonforfeiture issues 6. The Model Disclosure Bill.

Description: The purpose of this paper is to study mortality-based securities, such as mortality bonds and swaps, and to price the proposed mortality securities. The focus is on individual annuity data, although some of the modeling techniques could be applied to other lines of annuity or life insurance.

Description: This paper suggests a possible framework for the mandatory annuitization of U.S. retirement savings, considers the experience of other countries and analyzes the advantages and disadvantages of mandatory annuitization.

Description: This paper explains how legal reforms related to annuities have decreased the popularity of annuities among plan sponsors, and then describes how a proposal for a federal charter option for life insurance companies could hold some promise for persuading plan sponsors to put annuities back into savings plans.

Description: Discussion of NAIC efforts to amend the annuity nonforfeiture laws to respond to falling interest rates.

Description: This article explores the development of the annuity market in the UK over the past 20 years. It examines the explosive growth achieved by the enhanced annuity market and delves into the kinds of customers attracted by these products and the kinds of enhancements typically presented. It also explores the impact of government policy changes which have lead to annuity volumes declining and 'drawdown' product becoming more popular.

Description: This 1979 session focused on the future of individual deferred annuities. Topics included: 1. Regulatory and Tax Problems a. S.E.C. exemptive provisions b. Tax questions c. Standard Nonforfeiture Law for Individual Deferred Annuities 2. Prospects for Profitability a. Disintermediation b. Improving the prospects for profits 3. Portfolio Method of Crediting Interest vs. Investment Year Method 4. Marketing 5. Product Design a. Different product features b. Lapse experience c. Recent innovations