Description: This presentation is a concurrent session from the 1991 Meeting of the Society of Actuaries, held April 18-19 in New Orleans. The panelists discuss last-to-die and joint life insurance plans, noting their increasing popularity. The topics of discussion include plan design, regulatory issues, administration, tax issues, policy splitting provisions and the markets for these plans. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 1.

Description: This panel discussion is from the 1991 Meeting of the Society of Actuaries, held May 16-17 in New York. The panelists discuss product design issues for annuities, including “CD annuities,” which are like individual guaranteed investment contracts, traditional single premium deferred annuities, ‘SPDAs,’ two-tiered annuities, immediate annuities, and others. They also discuss tax developments, investment strategies, and reserve issues. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 2.

Description: This presentation is a panel discussion from the 1991 Annual Meeting of the Society of Actuaries, held October 20-23 in Toronto. The panelists discuss how some products have evolved in such a way that they are more compatible with available investments, that is the product design translates to a feasible investment strategy, which provides not only sufficient yield but also acceptable performance in various interest-rate environments. The panelists consider whether the trend will continue, and discuss the role of regulation, implications on educational activities for actuaries to understand better the asset side, and other issues. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 4A.

Description: This session from the 1992 Valuation Actuary Symposium discusses cash-flow testing and looks at the sensitivity of key assumptions including interest rates, policyholder lapsation and asset cash flow.

Description: This session at the SOA 1990 San Francisco Regional Meeting focuses on sales illustrations for life insurance policies with nonguaranteed elements. Historical development, current regulations and ideas for future improvement in consumer provided information on these products are discussed.

Description: Informative discussion about pricing techniques, including: [1] uses of return on investment [ROI], GAAP return on equity [ROE], and universal life [UL] and other profit measures, [2] scenario testing, [3] expenses, [4] target surplus, and [5] federal-income-tax considerations. From the 1988 Record of Society of Actuaries, Vol. 14, No. 2.

Description: Panelists discuss new methods, ideas, and approaches to products designed to provide adequate compensation to agents under new compensation arrangements and appropriate profits for insurers, while maintaining customer values. From the 1987 Record of Society of Actuaries, Vol. 13, No. 2.

Description: In-depth discussion about the experiences of companies with plans like level-premium term to 100, in both U.S. and Canada: pricing considerations and techniques, lapse experience, sensitivity testing, regulatory history and recent activity, and establishing an adequate reserve. From the 1987 Record of Society of Actuaries Vol. 13, No. 4A.

Description: This session discussion is about persistency influence the profitability of individual life reinsurance. From Record of the Society of Actuaries Vol. 15, No. 2.