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  • Universal Life Update
    surveyed. These are the questions that will form the primary discussion of our panelists today. The questions ... design is used. Others suggest that com- missions to direct agents and PPGA's will move to higher levels.

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    • Authors: Christian J DesRochers, Robert D Hogue, Application Administrator, R Stephen Radcliffe
    • Date: Apr 1982
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Universal life
  • Evolution of the Product Development Process
    products. Each actuarial position is assigned primary responsibility for monitoring and pricing a given ... your organization. However, this focus is our primary reason for existing. The conflict between financial ...

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    • Authors: Shane A Chalke, Christian J DesRochers, Dale Hagstrom, Larry L Schreiber
    • Date: Oct 1990
    • Competency: Technical Skills & Analytical Problem Solving
    • Publication Name: Record of the Society of Actuaries
    • Topics: Annuities>Pricing - Annuities; Life Insurance>Pricing - Life Insurance
  • Influence Without Authority
    don't have to think about this stuff. It just takes care of itself. The problem is when those folks in sales ... you tell them. They keep saying to you, "1don't care what your calculations say, the price has to be ...

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    • Authors: Christian J DesRochers, Allan Cohen
    • Date: Oct 1991
    • Competency: Leadership>Influence; Relationship Management
    • Publication Name: Record of the Society of Actuaries
    • Topics: Actuarial Profession>Management skills
  • Impact of Federal Income Taxes on Product Design
    borrowing rate, that 8% becomes a 12%. If we have a direct recognition provision -- for instance a contract ... permissible, but it's certainly not obvious from a direct reading of 7702 nor is it obvious from its legislative ...

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    • Authors: Application Administrator, Christian J DesRochers, David J Bohl
    • Date: May 1988
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Pricing - Life Insurance
  • Product Design And Marketing Under Section 7702A
    of that sort, business term insurance, long-term care riders on life insurance contracts) this issue will ... over whether a rider of term insurance on the primary 1054 PRODUCT DESIGN AND MARKETING UNDER SECTION ...

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    • Authors: Application Administrator, Christian J DesRochers, R Richard Retticker
    • Date: Oct 1989
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance; Public Policy
  • Strategic Product Development
    surplus. The home service customers probablydon't care much about the rating, and their focus is goingto ... grow in the future. At the federal level, the primary focus is capital adequacy. The federal government ...

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    • Authors: Christian J DesRochers, Isadore Jermyn, Timothy Pfeifer, Mark A Tullis
    • Date: Jun 1992
    • Competency: Strategic Insight and Integration
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Pricing - Life Insurance
  • Universal Life
    discuss some, but by no means all, of these. The primary concern of the administrative system for this type ... is not unusual for the tail to wag the dog. A primary factor in the marketability of universal life versus ...

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    • Authors: William Carroll, Daniel Case, Christian J DesRochers, Harold B Leff, James Robinson
    • Date: Apr 1983
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Universal life
  • Deferred Annuities
    concern about economic volatility. The product's primary appeal was its mortality guarantee, that is, the ... June of 1984. The formation of this group was a direct result of the Baldwin-United situation. The charges ...

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    • Authors: Arthur V Anderson, Christian J DesRochers, Donna Claire, Application Administrator, Paul H LeFevre
    • Date: Apr 1985
    • Competency: Technical Skills & Analytical Problem Solving
    • Publication Name: Record of the Society of Actuaries
    • Topics: Annuities
  • Failed Contracts Under Internal Revenue Code, Section 7702
    environment that probably means exercise ordinary business care and prudence. All the facts and circumstances are ... neglect, and neglect is the failure to use reasonable care in the filing of a tax return, So in cases of willful ...

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    • Authors: Application Administrator, Christian J DesRochers
    • Date: Oct 1995
    • Competency: Technical Skills & Analytical Problem Solving
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance; Public Policy
  • Life Insurance and Annuity Products Under Alternative Taxation Systems: The End of Life as We Know It?
    if the tax system is changed, this could have a direct effect on the tax burden that individuals and companies ... combine health protection products such as long-term care with life insurance and annuities, which Life ...

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    • Authors: Christian J DesRochers, Marilyn Brown, Craig R Springfield
    • Date: May 1996
    • Competency: External Forces & Industry Knowledge>External forces and business performance
    • Publication Name: Record of the Society of Actuaries
    • Topics: Annuities; Life Insurance; Public Policy