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: In collaboration with the Society of Actuaries Research Institute, RGA’s Behavioral Science team designed two experiments with U.S.-based participants to explore how behavioral science techniques can improve comprehension in life insurance purchasing journeys. The first experiment aimed to increase understanding of term life insurance via simulated online digital journeys. Building on the findings of the first, the second experiment investigated the effects of using both human and AI-generated videos. While the research focused on digital delivery of term life insurance, the relevance of tested techniques extends further, providing insights for improving information presentation for other insurance products and in non-digital formats.

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

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

Description: Panelists share their knowledge about experience and trends, product design alternatives, conversions, underwriting for persistency, AIDS considerations, and reinsurance. From the 1987 Record of Society of Actuaries, Vol. 13, No. 4B.

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

Description: This article discusses the the 1998 alternartive XXX model regulations and the potential tax impact on the definition of life insurance and on reserve deductions associated therewith.