Description: The article discusses the continued popularity of indexed UL insurance and possible reasons why a company's actual indexed UL earnings may be below their original pricing expectations for the product. The article discusses several key items that may be the source of that underperformance (e.g., hedge ineffectiveness, policyholder behavior) and the need to monitor earnings and perform analyses to better understand those potential sources.

Description: This article delves into the transformative realm of Business Intelligence (BI) tools. We explore the fundamental functionality and structure of these tools, and through case studies illustrate how they offer valuable insights into carrier experience and underwriting dynamics. From real-time data visualization to in-depth data analysis, discover the essential features that empower businesses to make better informed decisions.

Description: Future mortality improvement has been a common assumption in life insurance and annuity pricing and forecasting for many years. However, experience over the last decade suggests this might be an assumption that merits reconsideration in the United States. This article will take a closer look at factors that impact mortality improvement trends and discuss why insurers may want to reevaluate product designs to better manage the associated mortality risk. We then introduce a product idea with this in mind, where premiums are based on a life expectancy index and insurers share the risk (and opportunity) or mortality improvement with policyholders.

Description: An overview of guaranteed lifetime withdrawal benefits (GLWB) on registered index-linkedannuity (RILA) products and a stochastic analysis of market risks.

Description: Discusses insurance company considerations and approaches when dealing with the complexities of deferred lives within pension plans.

Description: This article analyzes, understands, and discusses the impact of the upcoming Principle-Based Reserving (PBR) on non-variable deferred annuities.

Description: Provide high level summary of changes to Valuation Rates for Payout Annuities and similar contracts.

Description: This article discusses the The Assumption Development and Governance Group (sponsored by the Financial Reporting and Product Development Sections).

Description: This article discusses sessions from the product development section post symposium seminar on product development - beginning to end. Sessions included product specific topics like term, universal life with secondary guarantees, and indexed products. Panel discussions included inforce management and advanced modeling issues.

Description: Milliman, Inc. recently conducted a comprehensive survey of leading UL insurers to discover current dynamics of the UL market. The scope of the survey included UL with secondary guarantees ULSG, cash accumulation UL, current assumption UL, and indexed UL.

Description: This article discusses a variety of new developments in the annuity market.

Description: This article briefly describes the guarantees available within the segregated Fund products sold in Canada along with the associated risks and cost factors.