Description: Update on new mortality tables in development - 2012 IAR, 2014 VBT, and SI/GI/Preneed

Description: This article presented excerpts taken from a 1998 newsletter of the National Alliance of Life Companies regarding XXX. The topics covered included possible adoption timeline, basic reserves, unitary reserve test, deficiency reserves, deficiency mortality table, etc.

Description: This article is the first in a series of articles on insurance applicant mortality risk analytics. From Small Talk Newsletter, Issue 37, January 2012.

Description: Reworking The ABC’s of XYZ by Tom Kalmbach from Small Talk Newsletter, November 2002, Issue No. 19.

Description: This article addresses the expected impact that the 2001 CSO table will have on pricing and product structure for UL plans.

Description: Small Talk Newsletter, June 2005, Issue No. 24. Last fall, the Internal Revenue Service IRS released Notice 2004-61, 2004-41 I.R.B. 596 October 12, 2004, interpreting the reasonable mortality charge requirement applicable to life insurance contracts under Section 7702 of the Internal Revenue Code.

Description: After years of discussion and debate, PrinciplesBased Reserving (PBR) is finally a reality. Small insurance companies have a unique opportunity to decide between electing for the company-wide exemption or adopting the PBR methods. This article discusses the benefits and challenges of the options available to small insurers under VM-20 as well as best practices that have been found along the way.

Description: This article discusses how small insurance companies can get into the complex equity indexed market by using alliances wherein there is one primary company and one or more secondary companies. The primary company would perform all of the functions for itself and some of the functions for the secondary companies. The companies pool assets to reach critical mass.

Description: This article discusses the the 1998 alternartive XXX model regulations and the potential tax impact on the definition of life insurance and on reserve deductions associated therewith.

Description: The article was written to address a concern that the author had that reinsurance considerations were being relegated to the back of the product development cycle. He was concerned that reinsurance input on benefit design, underwriting and pricing was not getting into the process. From Small Talk Newsletter, November 2005, Issue No. 25.