Description: The winner's curse, applied to Affordable Care Act plan pricing.

Description: Disruptive innovation are revolutionising many indusrties. How will it affect insurance?

Description: The article summarizes several recent private letter rulings from the IRS addressing the "investor control" doctrine in the context of funds of funds.

Description: Presented at October 1996 Annual Meeting. This discussion examines the National Association of Insurance Commissioners Model law regarding the use of assumption reinsurance.

Description: Many top-performing businesses aren’t just risk aware, but rather risk intelligent. Such a posture helps prepare companies for a major event and can demonstrate to a regulator or auditor that an appropriately strong control framework is in place. Better still, companies gain real strategic value from a “risk adjusted” understanding not only of their threats and vulnerabilities, but also the upside opportunities associated with various risks. It starts with having both qualitative and quantitative information to identify, assess and manage risks. Strategic risk management, at its core, is about creating value by increasing transparency and accountability, and quality of information. More than a mere compliance exercise, effective risk management enables more informed strategic decision making, increased accountability and transparency, a greater likelihood of organizational success, and – ultimately – competitive advantage, as borne out by many studies that correlate risk management and financial results.

Description: The article looks at the impact of voluntarily offering nonforfeiture benefits at the time of a rate increase on ALR and future profits.

Description: As the insurance industry struggles along with the rest of its financial services brethren to operate in the current global recession, it must consider the true value of innovation. Insurers should reduce the focus on improving what they know how to do and look to what they could be doing in light of the change that swirls around them.

Description: This literature guide focuses on individual life insurance distribution, with an emphasis on marketing operations which use the agency distribution system - although much of the material is applicable to direct response marketing.

Description: French language version of Risk Management, August 2014 newsletter.

Description: As a dementing disorder progresses, those affected become more dependent, requiring increasing personal care. This articlle discusses the economic and emotional impact of cognitive claims on families and on the LTC industry, practices under the current industry paradigm, new research, and treatments on the horizon.