Description: This is a research report summarizing results of premium persistency assumptions used by life insurers for flexible premium UL products.

Description: Report on the Lapse and Mortality Experience of Post-Level Premium Period Term Plans

Description: Panelists discuss customer life-cycle needs for life and annuity products and what can be done when a customer's needs change. They also discuss the opportunities and risks associated with the migration of customers through products and wealth-transfer needs. From the 2002 Record of Society of Actuaries, Volume 28, No. 3. Session 32PD of the Boston Annual Meeting.

Description: This article discusses the structure of and the dangers posed by Stranger-Originated Life Insurance STOLI.

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: This paper presents a large number of studies made by The Mutual Life of New York determining the effect on the lapse rates of the various characteristics of the insured, the policy, the agent, and certain economic factors. From Transactions of Society of Actuaries 1951, Vol. 3, No. 7.

Description: Read the Quo Vadis Reinsurance.

Description: Panelists discuss recent trends in the effects of mortality and lapse rates on term life insurance. The discussion includes: • Theories predicting the impact lapse rates have on mortality after the level premium period • Recent industry studies on mortality and lapses • The impact lapse and mortality rates have on profits

Description: The Excel spreadsheet contains the supporting source lapse rates for figures within the U.S. Individual Life Insurance Persistency report. The data for this report, and the Excel spreadsheet, represent experience years 2009-13.

Description: Report summarizing the results of the 2013 PBITT UL with Secondary Guarantees Survey.