Description: Article Disparate Origins Of Life And Non-Life Insurances by Beard in The Actuary, February 1979, Volume 13, Number 2

Description: In this article about the then in 1981 newly developed Universal Life Insurance, the author concludes the product is here to stay, and that it will be good for the consumer as it evolves in response to the changing economic and social conditions. The article discusses the challenges still to be faced, including federal income tax treatment and regulation by state insurance departments.

Description: A review of the last 50 years, concluding that the insurance industry in Canada has been slow to react to consumers' shift in focus from long-term security to rate of return.

Description: In this article the author compares the profitability of Variable Life Insurance and Universal Life Insurance products. He concludes that a company can develop a typical VUL product with adequate profitability as compared to the company’s current UL product.

Description: A discussion about the possible future effects of AIDs/HIV on the life insurance industry.

Description: Updates on current projects of the Marketing & Distribution Section of the Society of Actuaries.

Description: This article presents the abstract for a paper that received fellowship credit entitled, “Simplified Cash Flow Testing of Traditional Participating Whole Life Insurance”

Description: This article highlights some of the issues associated with joint and last survivor policies, including nonforfeiture determination, calculations using joint age versus exact ages, and common disaster issues.

Description: Discusses the results of an inter-company study of the effect of cigarette smoking on Ordinary Insurance mortality. The study also includes an underwriting guide.

Description: Feature article about how life insurance companies can manage the financial risk of life and annuity unclaimed property.