Description: Actuarial work is no different. If we price products too aggressively, they won?t be profitable. If we price products too conservatively, they won?t sell. If we set reserves too high, we let unused capital sit around dragging down returns. If we set reserves too low, we may not be able to meet our obligations when they come due. If we fill our communications with too much technical detail and data, our audience may start to grunt and roll their eyes. From The Actuary Magazine August 2006

Description: Full version of Small Talk Newsletter, November 2003, Issue No. 21.

Description: Editor’s column discussing the need for communication amongst actuaries.

Description: Editorial on financial crisis.

Description: The topic of social and demographic changes has been included in the Emerging Issues Advisory Committee's screening because changes in demographics and social norms can directly impact products offered and how they are distributed by the life insurance industry. Also, changes in demographics can impact pricing and underwriting refinements within the industry. This article focuses on mortality from obesity and on mortality of the older population.

Description: Panelists cover the following: • Requirements for filing an opinion on asset adequacy • Satisfying Actuarial Standards of Practice • Minimum requirement for examination of assets • Methods for performing asset adequacy analysis including cash flow testing • Examples of blocks of business and methods employed From the Record of the Society of Actuaries, Volume 27, No. 2, Session 35PD of the Totonto Spring Meeting.