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Reserving For AIDS -Practical Aspects
AIDS reserves in the range of 6.5-7% while for direct insurers the reserve strengthening was approximately ... nearly the same level of IV drug abuse. TABLE 2 Primary Risk Factors of Adult Cases Canada U.S.A. Homosexual/bisexual ...- Authors: H David Allen, David J Christianson, William C Koenig, Thomas W Reese
- Date: May 1989
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance
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The Evolving Viatical and Life-Settlement Market
transaction—confidentiality always has been a primary concern, and significant assurances have been made ... purchase a critical illness policy or long-term care, or something of that sort. Finally, there is ...- Authors: Gerry H Goldsholle, Traci Michell, Michael D Quinn
- Date: May 2003
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance
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Corporate-Owned Life Insurance: Trends and Outlook
largely for group carve-out type programs. The primary concern was the death benefit within the programs ... have individual accounts set up, and allow them to direct where their deferrals are going and what they ...- Authors: Ian A Glew, Timothy Millwood, Christopher L Parker, Gary Thomas
- Date: Jun 1998
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance
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Bancassurance Products
regions, including the U.S. industry. There is no direct representation from either banks or insurance companies ... ruled that a bank in any of these small towns can direct market insurance virtually anywhere. In November ...- Authors: Application Administrator, Oscar Zimmerman, Chris M Rutten, Jean C Gora
- Date: Jun 1997
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Global Perspectives; Life Insurance; Public Policy
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Give Me Some Credit! The 50-Year History of Credit Regulation
less the compensation, less something for the direct-writing insurance company. We developed underwriting ... have an insurance company generally formed by the direct writer, and each producer of credit insurance gets ...- Authors: Robert J Butler, Gary T Fagg, William F Burfeind, Bruce Camacho
- Date: Oct 1999
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Health & Disability>Disability insurance; Life Insurance; Public Policy
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Cash Value Structures Of The Future
when compared with some of the alternatives. The primary alternative, of course, is a retrospective approach ... that are too high. The marketplace is going to take care of that. Our next conclusion was that cash surrender ...- Authors: Michael E Mateja, John McKay, Walter N Miller, Philip Polkinghorn, Peter Van Beaver, Rob T Worley
- Date: Oct 1989
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance
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Agent's Compensation: Individual and Group Aspects
good news is that in- flation, especially in health care, has created higher premiums and more commission ... more frequently include vision care and dental care, especially dental care. These products have the effect ...- Authors: Joseph R Brzezinski, Stephen Carter, J Ross Hanson, Alice M Neenan
- Date: Oct 1979
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance; Life Insurance>Marketing and distribution - Life Insurance; Public Policy
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Dividend Philosophy
the job into two pieces. Our first effort was to direct our activities towards the dividend principles ... business of stock life insurance companies and just direct ourselves to the business of mutual life insurance ...- Authors: John A Fibiger, John H Harding, David R Johnston, Richard S Miller, Edwin B. Lancaster
- Date: Oct 1980
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Actuarial Profession>Standards of practice; Life Insurance
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Current Issues in Sales Illustrations
anyone here who has a two-tier product who would care to comment? Mr. Richen: This was a question ... service the payroll deduct market. That's our primary focus. I believe there was a nonterm group life ...- Authors: John D Branscomb, Donald E Fritz, David Karo, Wm Harold Phillips, Forrest A Richen, Roger K Wiard-Bauer
- Date: Jun 1998
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance
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Status Report On Standard Nonforfeiture Law Revisions
share values and, therefore, does not achieve the primary equity goal. A retrospective formula is going to ... might be a very good fit to things like long-term care products and other kinds of account value driven ...- Authors: Douglas Doll, Daniel J McCarthy, Walter N Miller
- Date: May 1989
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance