Description: This article discusses how insurance regulation needed to evolve to meet the need for more understandable policy forms. This article was written before the Flesch Reading Ease test was in common use.

Description: Update on statutory Valuation reserves and required surplus for variable annuities with living benefit guarantees

Description: Highlights of recent American Council of Life Insurers (ACLI) activities

Description: Manufacturers Life on January 1, 1981 unilaterally raised the death benefits on its non-participating permanent life policies issued before 1965 in North America. This article describes why and how this process was accomplished.

Description: This article provides an update on the development of model regulations for synthetic GICs and guaranteed separate account products.

Description: In May of 2001 the Credit Insurance Experience Committee was asked to respond to the National Association of Insurance Commissioner’s request to the Society of Actuaries to develop a recommendation for a uniform national valuation standard for credit life insurance policy reserves. This document contains the recommendation along with supporting material.

Description: This article provided a 1998 update of Mutual Insurance Holding Companies. Subjects covered included state-by-status enabling status, policyholder rights under an MIHC, advantages, and criticisms.

Description: This article on insurance regulation discusses the highlights of the Optional Federal Charter OFC – current developments, its opponents and proponents, accounting implications, and implications for small insurers.

Description: This article discusses the conflicting opinions surrounding proposed 1998 legislation that would have authorized mutual life insurance companies in New York to reorganize as stock companies through the formation of upstream Mutual Holding Companies.

Description: Discussion of the new- 2003- regulations in China pertaining to nonguaranteed life products.