Description: The world around us keeps changing F.A.S.T. propelling life insurance companies to respond with F.R.E.S.H. product solutions.

Description: Issue introduction and theme of how to improve our technical skills and soft skills to better cope with a rapidly changing world.

Description: This article discusses the current state of the IAIS' initiative on their group Insurance Capital Standard.

Description: For a long time the primary focus of private LTC insurance companies has been to educate the public about the need for private LTC insurance and to make the product more acceptable to a wider population. To this end there have been numerous changes to the product design to make this product more acceptable to general population. However, one of the things that may have been overlooked in those product design changes is the need for alignment of policyholder and insurance company’s interests, which is to make coverage more affordable and to reduce adverse selection. Incentivizing good behavior from policyholders can not only make LTC insurance policies less expensive but also help policyholders make better health choices, which can help them stay healthy for a longer time. These incentives may also reduce some of the inherent risks in a long term care policy and may help in increasing the sales of private LTC insurance.

Description: Excerpts from a conversation with Alan Mills regarding his work in complexity science and agent-based modeling.

Description: The article is based on a study of causes of insolvency and decisions made by management, regulators, and policyholders over the life cycle of the insolvency.

Description: Metadata for entire issue

Description: Technological innovations are disrupting traditional business models, improving products, and enhancing the user experience.

Description: Feature article discussing the Life Settlements business: recent growth, pricing, and future of the business.

Description: Approaches to filing, approving and implementing LTC rate increases impact policyholder behavior regarding retaining/modifying their coverage.