Description: As more term insurance policies move to the post-level period, actuaries are evaluating policyholder behavior and expected mortality. Enough experience has now emerged to provide a spectrum of outcomes that can model the relationship between premium increases, persistency and mortality. The presenters will share findings and consider how different post-level premium structures produce different results.

Description: Panelists discuss the new Guideline XXX for reserves for term products, including re-entry term, and in the context of HIV/AIDS. Session 5 of the 1991 Valuation Actuary Symposium.

Description: Discusses the federal income tax aspects of reserves for term and secondary-guarantee UL, as regulated by XXX and AXXX.

Description: On June 26, 2013, the Supreme Court released its decision in the case of United States v. Windsor, Executor of the Estate of Spyer, et al. addressing the constitutionality of the federal Defense of Marriage Act (“DOMA”). This article explores the implications for life insurance and annuity contract spousal provisions that are governed by federal law.

Description: This article compares earnings emergence under five popular world-wide accounting bases for two insurance products, term life and fixed deferred annuity.

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: 1994 SOA Spring Meeting, San Francisco. This session was about issues relating to term insurance including product design, pricing, compensation, and reserving issues.

Description: This session focused on issues related to term life insurance. Topics included 1. Term life insurance products in the 1980's 2. Assumptions and experience 3. Term insurance marketing and distribution including sales compensation approaches.

Description: Read the Quo Vadis Reinsurance.

Description: Feature article discussing that as financial markets have rumbled and cession rates have fallen, life reinsurers have been focused on pricing stability.