Description: This article describes how Long-Term Care riders attached to Life Insurance policies provide real insurance value at a reasonable cost and allow life insurance companies to compete on a basis other than cost.

Description: 1992 SOA Annual Meeting, Washington, D.C. This 1992 session on the Statutory Valuation Opinion covered the following topics: 1. Regulatory issues and the amendments to the standard valuation law. 2. Practical considerations, such as accumulating data, setting assumptions and creating models. 3. Issues and considerations involved in cash-flow testing.

Description: Presented at October 1996 Annual Meeting. This session looks at experience with Actuarial Standard of Practice 'ASP' 24 regarding the NAIC Life Insurance Illustration model regulation. Additionally included is a discussion of the NAIC's possible extension of the model to include annuities and variable life insurance. This session also looks at possible revisions to ASP 15.