Description: The attached report presents the results of a survey whose purpose was to explore life insurance company practices regarding the use of a mortality improvement assumption in the pricing of life insurance products. The survey distinguished between updating base mortality tables for historical mortality improvement versus projecting mortality improvement into the future.

Description: Response to Life Insurance 2020 Foresight – A Call for Essays. An essay stating the author’s vision for the future of the life insurance sector with emphasis on a change to life insurance pricing using biological age rather than actual age.

Description: Risk based pricing addresses some of the shortcomings of traditional pricing methods by providing a framework for understanding the tradeoffs between shareholder risks and rewards using a robust, transparent and objective economic methodology that is consistent across products.

Description: Key findings from Milliman's 2019/2020 UL/IUL survey. Provides benchmarking for UL/IUL competitors relative to trends in the industry.

Description: This article discusses the development process and the impact of implementing levelized commission products.

Description: This informal general discussion session was centered around ordinary insurance, the size of ordinary policies, mode of premium payment, and juvenile policies.

Description: This is an investigation of the persistance of individual life insurance risk mortality differentials by utilizing an approach inspired by online predicitve markets.

Description: Relationship of IRR to ROI on a Level Term Life Insurance Policy

Description: Mortality Table Slope and Future Improvements

Description: The author discusses an interpretation of the surrender charge limitations specified in New York’s Regulation 77 which increases the maximum allowable surrender charges for renewal years. This interpretation was presented to and accepted by the New York State Insurance Department.