Description: This article discusses and summarizes the results of the Canadian Institute of Actuaries CIA studies of lapse experience under universal life cost of insurance and term-to-100 policies. Reprinted with permission from Product Matters! June 2008

Description: Report examining the lapsation of ordinary insurance in the U.S. between 1989 and 1990 policy anniversaries, based on face, premium and count.

Description: Description and welcome to the 2020 Canadian Reinsurance Conference including highlight of the key note speaker

Description: This report presents the results of individual life insurance lapse experience in the United States between observation years 2009 and 2013. Lapse experience is analyzed for whole life, term life, universal life, and variable universal life plans issued between 1918 and 2012. Results for most key policy and product factors are examined.

Description: Answers common questions surrounding the individual life study and how to participate

Description: This article discusses the collapse of Equitable Life, founded in London in 1762 as the Society for Equitable Assurances on Lives and Survivorship.

Description: This article explores the unique economic and behavioral considerations and challenges in reaching the millennial generation to help them address their life insurance protection needs.

Description: To remain relevant, life insurers need to understand changing consumer behavior and the shifting sands of buying triggers. The presenters will look at consumer studies, both U.S. and global, that reveal changing behaviors that influence the decision to buy or not buy life insurance. They will look at four demographic and economic categories including Millennials, Generation X, Boomers and the Silent Generation and how these generational groups do or don't differ in their feelings and behaviors around life and health. The presenters will address new growth opportunities for companies that align their value proposition to these changing attitudes. They will explore opportunities around health and wellness to increase policy holder engagement and share insight into generational attitudes around wearables and the sharing of personal data.

Description: This article gives examples of how an actuary can live by the actuarial motto of substituting facts for appearances. The specific examples given are setting the mortality for table shaved individual life business and setting late duration lapse assumptions for level term business.

Description: This article discusses the causes of total coverage on a life exceeding the jumbo limit found in automatic reinsurance treaties. Steps being considered and taken to address this problem are also discussed.