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2020/2021 Life Insurance Pricing Methodology Survey
statutory ROI is significantly the most common primary profit measure of life products, ranging from 71 ... guarantee (IUL NLG). While still also the dominant primary measure for annuity products, use of ROI isn’t ...- Date: May 2022
- Competency: External Forces & Industry Knowledge
- Publication Name: Product Matters!
- Topics: Annuities>Pricing - Annuities; Life Insurance>Pricing - Life Insurance
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Profile of a Term Leader
that have increased prices lower. Without them, direct com- the number of classes they offer to panies ... While the fierce competition among reinsurers and direct companies is contrib- uting to lower term rates ...- Authors: John Tak
- Date: Jun 1998
- Competency: External Forces & Industry Knowledge; Technical Skills & Analytical Problem Solving
- Publication Name: Product Matters!
- Topics: Life Insurance>Pricing - Life Insurance; Life Insurance>Term life
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Harnessing BI Tools for In-force Metrics and KPIs
and interpreting data, Excel often remains our primary tool. We can create dashboards that monitor our ... pricing. The KPIs: While loss ratios were the primary measure of profitability for a group, other components ...
- Date: Jan 2024
- Competency: Results-Oriented Solutions; Technical Skills & Analytical Problem Solving
- Publication Name: Product Matters!
- Topics: Experience Studies & Data; Technology & Applications>Business intelligence
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Product Matters! October 2007, Issue No. 69
consistent with the expec- tations of reinsurers and direct writers that were captured in the SOA’s preferred ... less tail risk than the protection product, but care should be taken not to over-generalize this conclusion ...- Authors: Jeffrey Beckley, Douglas Doll, Jeffery Dukes, Donna Claire, Mike Lombardi, Mike Boot, Catherine J Bierschbach, Patricia Matson, Robert Stone
- Date: Oct 2007
- Publication Name: Product Matters!
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The Evolution of LTC/Life Combination Products
assumptions, underwriting, and design for long term care combo products over the past 30+ years. The objective ... August 2021 It is difficult to believe that long‑term care / life combination (LTC/life combo) products have ...
- Authors: Vratislav Vodrazka
- Date: Aug 2021
- Competency: External Forces & Industry Knowledge; Results-Oriented Solutions
- Publication Name: Product Matters!
- Topics: Life Insurance>Product development - Life Insurance; Long-term Care>Long-term care innovation
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Product Matters! April 2003, Issue No. 55
reinsurers, who face many of the same pressures as direct writers, have found it necessary to withdraw from ... either the GMIB value or the contract value. A direct cost, or economic cost, of a GMIB is incurred ...- Authors: Application Administrator, Douglas Doll, Susan Saip, Michael Joseph Burns, Eric Carlson, Robert Ireland
- Date: Apr 2003
- Publication Name: Product Matters!
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System Peer Review
contrast, system peer reviews should include a direct evaluation of the code (Figure 2). This situation ... their modeling software. Proper consideration and care should be reflected in the company’s system change ...- Authors: Michael Failor
- Date: Nov 2016
- Competency: Professional Values>Practice expertise
- Publication Name: Product Matters!
- Topics: Actuarial Profession>Best practices; Technology & Applications>Software
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Highlights of May 2013 Life & Annuity Symposium
that reinsurance is ceded to affiliates of the direct companies. This means twenty- eight percent of ... average select period was shorter for Long- Term Care companies as compared to Life compa- nies (comparison ...- Authors: James Filmore, Kurt Guske
- Date: Oct 2013
- Competency: Technical Skills & Analytical Problem Solving>Problem analysis and definition
- Publication Name: Product Matters!
- Topics: Life Insurance>Pricing - Life Insurance; Life Insurance>Product development - Life Insurance
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Product Matters! Issue 113, July 2019
chal-lenged by traditional stand-alone long-term care insurance (LTCI) products for more than a decade ... supplemental medical insurance, such as long-term care or critical illness coverage. MARKET The combination ...- Authors: Society of Actuaries
- Date: Aug 2019
- Publication Name: Product Matters!
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Product Matters! March 2006, Issue No. 64
assumption about the level of underwriting exceptions a direct writer makes should be included in the product ... underwriting philoso- phy and practices of the direct writer. Interpreting the automatic requirements ...- Authors: Garth A Bernard, William R Horbatt, Donna Claire, Susan Saip, Mary Broesch, Christian David Klein, Elinor Friedman
- Date: Mar 2006
- Publication Name: Product Matters!