Description: This is a panel discussion session on recommended guidelines and practices for determining dividends and illustrations for individual life insurance products, focused on the SOA's Committee on Dividend Philosophy's proposed recommendations. The differences between mutual company and stock company views are explored.

Description: This 1979 session is about Dividend Philosophy. Topics covered: 1. The Committee on Dividend Philosophy's report: a. Extending the recommendation to annuities and to par business of stock companies? b. Desirability of recognizing material differences in experience? c. Treatment of investment generation methods? 2. The Roles of the AAA and the CIA a. The development of further interpretive material. b. Actuarial certifications to management and for Annual Statement c. Caveats for dividend illustrations

Description: This paper presents an analysis of the basic actuarial theory for life insurance policies which have fixed premiums, the entire reserve held in a separate account, the assets of which would be invested primarily in common stocks, etc. From Transactions of Society of Actuaries 1969, Vol. 21 Pt. 1, No. 61

Description: 1993 SOA Annual Meeting, New York. In this session senior insurance executives discussed a wide variety of topics including: 1. Image of industry. 2. Technology. 3. Complex competitive environment. 4. Expense and profitability problems. 5. Expansion of government programs. 6.Positioning for potential health insurance reform. 7. Maximizing profitable use of information technology. 8. Downsizing, outsourcing and lean staff. 9. Product focusing and niche marketing. 10. Joint ventures versus mergers. 11. Improving the image of the industry. 12. Managing employee relations in a climate of change. 13. Motivation and empowerment of employees.

Description: This session discussion is about illustration wars, viewing from a top producing agents, view from a mutual company with a history of meeting or exceeding its projected dividend scale. From Record of the Society of Actuaries Vol. 15, No. 3B.

Description: Presented at October 1985 Annual Meeting. This session discussion is about the status and direction of the development of an Actuarial Standards Board, affecting all the fields of actuarial practice and all actuaries.

Description: From the Record 1976 Vol. II, No. 4, this presentation is from a concurrent session at the Society of Actuaries 1976 Annual Meeting, held in Toronto, Ontario October 20-22. In this session, the presenters discuss the current problems with policy loans in the current interest rate environment, covering topics such as legal considerations, allocation of investment income, pricing, sales problems, and policyholder considerations.

Description: An article that talks about how companies have adopted a new customer focus - a change from product focus to market focus.