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  • The Evolution of LTC/Life Combination Products
    incurred and the HIPAA per diem limit.[1] The policy’s approach to funding LTC benefits impacts tax treatment ... and profitable products. Underwriting From a mortality perspective, the underwriting for LTC/Life products ...

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    • 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
  • Regulatory and Tax Developments Affecting Life Product Development
    develop any cash values. AG XYZ equates the mortality with the premiums that are being used to calculate ... this calculation. Once we have our modified mortality rates, we can use the retrospective approach, ...

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    • Authors: Vratislav Vodrazka, Douglas Robbins, Craig Pichette
    • Date: May 2002
    • Competency: External Forces & Industry Knowledge>Actuarial methods in business operations; Technical Skills & Analytical Problem Solving>Process and technique refinement
    • Publication Name: Record of the Society of Actuaries
    • Topics: Financial Reporting & Accounting; Life Insurance
  • Profit Measures in Pricing: Their Use and Interpretation
    Society of Actuaries Note: The chart(s) referred to in the text can be found at the end of ... measures of profitability in the life insurance and annuity product development process, but which are the ...

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    • Authors: Application Administrator, Vratislav Vodrazka
    • Date: May 2002
    • Competency: Technical Skills & Analytical Problem Solving>Process and technique refinement
    • Publication Name: Record of the Society of Actuaries
    • Topics: Annuities>Pricing - Annuities; Enterprise Risk Management>Financial management; Life Insurance>Pricing - Life Insurance