Description: This article presents new funding instruments for equity-indexed life insurance and annuity products.

Description: This article discusses how FHLB advances, i.e. low cost loans, can supply valuable risk management benefits. By carefully structuring an advance to mature coincident with the anticipated premium inflows generated by insurance products, a company can largely eliminate future net cash flows and consequently the need to invest them in uncertain capital markets.

Description: Discusses the current options and the benefits of outsourcing various corporate functions.

Description: This article describes the nature and features of collateralized mortgage obligations [CMO], identifies their key risk factors, and suggests steps that small insurers can take to effectively and economically model them.

Description: Recent passage of the Gramm-Leach-Bliley Act increased the access that insurers have to low-cost loans advances offered by the individual banks of the Federal Home Loan Bank FHLB system. This article describes the general features of how advance programs work, their potential benefits to insurers and key issues to consider.