Description: Discussion of how the weak equity environment has led to a growth in the sale of fixed annuities and fixed account allocations within variable annuities. Includes a description of typical product design features and changes in the nonforfeiture laws to accomodate the low interest rate environment.

Description: We see a problem in the long-term care insurance industry because we don’t have a standard process. The majority of agents and advisors, who sell a variety of products, are often at a loss for what to do with LTCI.

Description: The author discusses the Genetic Information Nondiscrimination Act of 2008 GINA and its ultimate effect on the long-term care industry in general, and on current and future insureds, specifically.

Description: Key considerations when modeling reinsurance to calculate reserves under PBR as well as a case study examining the impact of reinsurance structures on reserves.

Description: This session is about financial rating systems: The processes, performance, improvement, and the role and impact of risk-based capital requirements.

Description: Reviews basic desirable features in an economic scenario generator. Discusses basics of model structure and validation process

Description: This article shows a different form of the Black-Scholes formula for European calls and puts under risk-neutral assumptions, that permits a comfortable verbal interpretation. The derivation of this alternative form appears at the end of the article.

Description: We analyze how volatility management techniques in VAs affected policyholders and insurance companies

Description: This project aims to understand pension participants’ investment and withdrawal behaviors and provide guidance in pension plan design, using data from China

Description: This case study is intended to educate insurance professionals on historical insurer impairments and insolvencies and possible future prevention indicators.