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Market Conduct: A New Actuarial Frontier
arbitrage is still an issue. When companies don't have direct recognition dividends, it can cause some serious ... about the duties of the producers, agents, or direct marketers, and insurers. One of the scary things ...- Authors: Paul Bruce, Marc-André Giguère, Dana Rudmose
- Date: Oct 1998
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance; Public Policy
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Comparative Product Survey: Europe
categories: individual direct sales forces and tied agents. Individual direct sales forces are controlled ... for distribution. Distribution costs are high. Direct sales renumeration to brokers or agents typically ...- Authors: Mark A Tullis, Alan Lockie, Ashok Gupta, John Instance
- Date: Oct 1990
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance
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Effect of Governmental Actions and Consumerism on Product Design and Pricing of the Future
needs so costly that he has to let the future take care of itself? Does the individual want the freedom ... agencies cost/benefit conscious and caused them to direct their energies to areas which have obvious financial ...- Authors: Rodney R Rohda, William White, William A. White, David A. Swankin
- Date: Apr 1980
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Health & Disability>Health insurance; Life Insurance; Public Policy
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The Human Genome Project: What Is It and How Can It Benefit Both The Health and the Life Insurance Industries?
also worked as a consultant for a multitude of direct insurance companies. Phil received his medical ... impacting that older age group and then into long-term care—with Alzheimer’s therapies, etcetera, even older ...- Authors: Paul A Schuster, J Alexander Lowden, Philip S Smalley
- Date: Jun 2001
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Health & Disability>Health care; Life Insurance
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Insurance for the Wealthy: Private Placement
accounts that are identical, and the SEC doesn't care about that. So now we've avoided the '33 Act, the ... particular investment item or items. The client cannot direct the investment manager to select or sell any particular ...- Authors: Mark S Reilly, Nancy Kenneally, Josephine Cicchetti
- Date: Jun 2001
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities>Variable annuities; Life Insurance
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Premiums and Dividends - Participating Insurance
need a surplus of 4 - 5% of liabilities to take care of defaults in a depression. Various lines have ... experience. That statement alone would not preclude direct recognition of policy loans. In regard to claim ...- Authors: Harold G Ingraham, William M Snell, Richard M Stenson, Thomas C Sutton
- Date: Jun 1980
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance
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Future Dividend Philosophy
them with reference to what I view to he the two primary themes underlying them. The major theme is the ... with the prime rate surpassing 20%. Largely as a direct result of that particular characteristic, policy ...- Authors: Robert M Astley, D'Alton S Bill Rudd, Richard M Stenson, Claude Thau
- Date: May 1982
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance
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Future Profit Outlook for Non-Participating Life Insurance
substantial tax advantages. It would appear that a primary reason that life companies have avoided individual ... panelists have addressed these factors. I intend to direct my remarks to factors not in- cluded in the list ...- Authors: Theodore J Newton, C David Silletto, Steven A Smith, James C H Anderson
- Date: Apr 1979
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance
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Sales Illustrations-We Can't Life with Them, But We Can't Live Without Them!
even similar policies in different companies. The primary reason is that the assumptions that underlie the ... traditionalparticipatingwhole life. In these policies,the direct effect of any singlenonguaranteedelement cannot ...- Authors: Application Administrator, Bruce Booker, Judy Faucett, Robert M Nelson
- Date: May 1993
- Competency: External Forces & Industry Knowledge; Professional Values
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Life Insurance; Public Policy
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Problems and Solutions for Product Illustrations
regulatory group. Understandability was obviously the primary one. We also mentioned accountability for the company ... companies are aware of this. It says the actuary's primary responsibility with regard to illustrated dividends ...- Authors: Application Administrator, Gary Corbett, Robert E Wilcox, George Coleman
- Date: May 1994
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities; Life Insurance; Public Policy