Description: The limited availability of life and protection cover for people living with certain serious health conditions is starting to become a critical issue for insurers. The public perception is that insurers simply don’t offer cover, or that it is difficult to source affordable, tailored cover. This article discusses the considerations when trying to improve access to insurance.

Description: This article introduces The Product/Channel Directory, which provides the combination of products offered and distribution channels for over 200 companies.

Description: This is the second installment of an article about using microeconomics and the concepts of embedded value to better manage and understand the profitability of direct marketing programs.

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: Mandatory implementation of life principle-based reserves (PBR) is just around the corner, and there is no shortage of work to do, as most products have yet to be moved to PBR. Oliver Wyman recently completed its 2019 PBR survey, with more than 40 participants covering 85 percent of the individual life market, including 23 of the top 25 life writers and five reinsurers. This article will expand on the key survey findings including implementation status and model simplifications.

Description: This is an article about the “hardening” market for reinsurance on term and universal life with secondary guarantees. From Small Talk Newsletter, June 2005, Issue No. 24.

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

Description: Presenting the customer a measurable value of life insurance that makes the advice process transparent to both the customer and adviser.

Description: This article discusses jet issued life insurance, which marries the speed and simplicity of a simplified issue product with the higher face amounts and competitive premiums of a fully underwritten product.

Description: The article summarizes results of a Milliman survey per the title. These products comprise about 40% of the total individual life market, and the survey covers a range of topics on these plans, which should be of interest to a large portion of the life industry.