Description: The attached report presents the results of a survey whose purpose was to explore life insurance company practices regarding the use of a mortality improvement assumption in the pricing of life insurance products. The survey distinguished between updating base mortality tables for historical mortality improvement versus projecting mortality improvement into the future.

Description: This report examines mortality and other actuarial assumptions for products sold at older ages.

Description: This report describes the results of a survey on reflecting risk in pricing. The survey expands on one conducted in 2003 and was expanded to include life, health, P&C, and non-North American insurance companies.

Description: This paper explores the principles upon which experience-rated group insurance currently is based and discusses the question of whether or not these principles are sound. Followed by discussion papers submitted by several authors

Description: Evaluation of the excess mortality element of the Group Conversion charge. Followed by several discussion papers submitted

Description: This report summarizes the results of a mortality and pricing survey. It indicates significant differences between the mortality assumptions for different product lines and even between different companies within a single product line. Widespread differences in mortality expectations between products may give individuals an advantage by acting on inefficiencies in the financial services market.

Description: This paper describes a method of comparing net costs of dissimilar life insurance contracts. The principles are consistent with those of the interest-adjusted method recommended by the Moorhead committee. The significance of the results, possible applications of the method, and some concerns and conclusions are discussed.

Description: The purpose of this paper is to describe the application of the Monte Carlo technique to a practical situation in a company, group term rate making. It included a discussion of some of the problems encountered and the solution to these problems. Followed by several discussion papers submitted

Description: This is an excel spreadsheet with some data pertaining to an article of the same name from the Product Development News

Description: This is an investigation of the persistance of individual life insurance risk mortality differentials by utilizing an approach inspired by online predicitve markets.