Description: This second article about ethical decision making for actuaries focuses on practical issues confronting ethical decision makers and offers some possible solutions.

Description: In the past, we have seen changes to regulations which have been perceived to negatively impact pensions. However, during the euro crisis, we have seen governments undertake austerity measures which dramatically reduce pension benefits in a way never seen before in Europe, at times even going as far as to confiscate pension assets in order to fill government coffers.

Description: Overview of market trends impacting the group benefits space in Canada and the implications for insures as they prepare for future evolving industry dynamics.

Description: Risk management and capital budgeting are two critical components of the corporate decision process. They often need to be considered jointly at the corporate level because of their natural interaction through the dependent risk exposures and other synergetic relationships within an intricate corporate structure in a dynamic business environment. . This paper develops an integrated framework that aligns these two important corporate strategies across business divisions to optimize the streamlined enterprise strategic goal in a multi-period setting. The proposed integrated framework can serve as a practical guideline for corporate executives to optimally coordinate capital budgeting and risk management at the enterprise level.

Description: Argues that most retirees face multiple financial risks that need to be considered simultaneously so that limited resources can be applied in a manner that is rational and satisfying. A specific procedure for developing such an individualized risk strategy is described.

Description: A report on the findings a committee established by the government of Quebec to evaluate the respective roles of public and private pension plans in providing financial security for the elderly.

Description: Discusses effect of allowing companies to sell health insurance policy in any state, if approved in one state, without requiring approval in any other state.

Description: A discussion of the role and responsibilities of actuaries beyond crunching numbers

Description: Employers who offer financial wellness programs that help younger employees plan for major life events could see improved employee retirement preparedness.

Description: The article discusses the sustainability of the ACA individual market from a public entitlement standpoint. A key point of measuring sustainability is the reliance on market forces rather than federal budget constraints. The article explains why an actuarial viewpoint of sustainability is necessary to a greater extent than other public assistance and social insurance programs. The article challenges actuaries to be a bold, objective voice in a space that is full of opinionated but often uninformed viewpoints.