Description: A review of how credit life and disability insurance is used in conjuction with real estate loans.

Description: Mr. Walter S. Rugland discusses various aspects of Variable Life Insurance including the many problems still awaiting solution.

Description: The interaction of section 7702 cash value accumulation test [CVAT] and state nonforfeiture laws [SNFL] create a dual limitation on traditional life insurance contratcs. CVAT limiting the maximum permissible cash value and SNFL requiring a minimum cash surrender value. This article examines these dual limitations.

Description: The article discussing the differing tax definitions of life insurance in the US and Canada and relates them to new international tax reporting regimes such as FATCA.

Description: This paper derives exact expressions for the ultimate ruin probability and establishes the effect of correlation on ruin probability using the Wiener-Hopf factorization.

Description: The secretary of the SOA looks back over the last five years at changes in the life insurance business and the actuarial profession.

Description: Provides one perspective on how to address the age-old sales/actuarial product-development question about how much marketing thinks will be sold vs. how much in sales is needed to begin to make a profit.

Description: Discusses the current activities of the Life Liquidity Risk Working Group of the NAIC.

Description: Discusses legislation being proposed in various states that would apply to Small Face Amount Policies, SFAPs.

Description: A commentary on whether or not the Illustrations Regulation has been successful.