Description: This article is about the constant pressure on reducing life insurance premiums and makes a case for eliminating guaranteed cash values to assist in that effort.

Description: This article discusses the characteristics of companies dedicated to being leaders in the Term market and the role that reinsurers play.

Description: This article reviews some of the highlights of th 2010 SOA Annual meeting including the impact on pricing resulting from Solvency II, Market Consistent Valuation of New Business - MCVNB, the latest on mortality, Standards of Practice in product development, managing risk in product design and a regulation update.

Description: Written in reaction to the AG49-A "quick-fix" passed, this article covers the history of IULillustration regulation. It begins by covering major product development and regulationmilestones to date, with numerical examples to show their impacts on illustrations. It thenexplains how the "quick-fix" works and what its impact on illustrations is. Lastly, the articlelooks forward to what could be in store in the future for IUL illustrations.

Description: Key findings from Milliman's 2019/2020 UL/IUL survey. Provides benchmarking for UL/IUL competitors relative to trends in the industry.

Description: Identifies current trends and considerations when setting the mortality improvement assumption for individual life insurance in the US.

Description: This article discusses Actuarial Guideline CCC and its impact on ROP Term.

Description: Part 2 of a discussion of the Chinese life insurance market with an emphasis on regulatory, investment, tax, and professional development issues.

Description: Describes a process for identifying relevant industry experience to credibility-weight with relevant company experience to set modeling assumptions and margins.

Description: This article presents a fable about the issues that arise between marketers and actuaries in the product development process.