Description: Variable insurance products are popular in the marketplace. They are risky to insurers partly because the guaranteed minimum living and death benefits give policyholders great control of their policies. In this article, the author investigates managing policyholder behavior.

Description: This article proposes a new term called the risk surface to enhance risk communications.

Description: Feature article from the newsletter Product Matters discussing variable annuities and principle-based approaches to reserve and capital requirements.

Description: Important tools used in property & casualty P&C insurance—predictive modeling and data mining—can be applied to more effectively model policyholder behavior risks in variable annuity VA contracts. In this article, a case study is used to demonstrate how a predictive modeling approach can improve upon traditional methods used to model VA lapse behavior.

Description: Feature article discussing the variable annuity industry rebuilding and reinventing itself.

Description: This article gives a summary of a presentation given by John Antliff before the Chicago Actuarial Club on April 24, 1967 focusing on the current status of variable annuities.

Description: Welcomes readers to the special supplement which takes a comprehensive look at Actuarial Guideline 43 VA CARVM.

Description: The article summarizes and comments on a recent IRS Chief Counsel Advice that addressed how the proration formula works for purposes of the separate account dividends received deduction in the context of a partnership structure. The article explains the historical background of the proration formula as it appeared in the 1959 Act and the differences between how the applies and affects the dividends received deduction in the partnership structure versus the more tradition RIC structure.

Description: Discusses the problem with the computation of tax reserves for VA contracts with Guaranteed Living Benefit riders that were issued prior to December 31, 2009.