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  • Individual Life Product Development
    stapled the two contracts together - a rather more direct approach. INDIVIDUAL LIFE PRODUCT DEVELOPMENT ... 2. Special Considerations i. CRVH Reserves - A direct application of the Standard Valuation Law yields ...

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    • Authors: David R Carpenter, Douglas G Draeseke, David M Mordorski, Steven A Smith
    • Date: Jun 1978
    • Competency: Technical Skills & Analytical Problem Solving
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Pricing - Life Insurance; Public Policy
  • Future Trends and Current Developments in Individual Life Products
    income taxes, not excess field costs, are the primary reason permanent insurance is less competitive ... the term commis- sions. The 150% factor reflects direct commissions, first year manager over- rides and ...

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    • Authors: David R Carpenter, Spencer Koppel, Alan W Sibigtroth, John E Tiller
    • Date: Oct 1979
    • Competency: External Forces & Industry Knowledge; Technical Skills & Analytical Problem Solving
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Pricing - Life Insurance; Life Insurance>Term life; Life Insurance>Universal life; Public Policy
  • Policy Loans and Equity
    Also, it causes policy loans to be used as a primary lending source rather than as a last resort. ... inconsistency. This causes policy loans to become a primary financing medium to be used constantly, rather ...

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    • Authors: David R Carpenter, Michael Cowell, L Blake Fewster, Robert H Jordan, Wilfred A Kraegel, Donald B Maier, John C Maynard, Arthur R McMurrich, David E Morrison, C Norman Peacor, Harry Ploss, James Reiskytl, Lewis P Roth, Claude Thau, Robert C Tookey, Charles L. Trowbridge, Henry S. Huntington
    • Date: Oct 1977
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Transactions of the SOA
    • Topics: Life Insurance; Public Policy