Description: This session from the 2003 SOA Orlando Meeting focuses on WL and UL insurance products offered in the U.S. and Canada, market and regulatory differences and similarities, the comparison of product offerings and an overview of current issues in product development. From the Record of the Society of Actuaries, Volume 29, No. 3.

Description: Risk based pricing addresses some of the shortcomings of traditional pricing methods by providing a framework for understanding the tradeoffs between shareholder risks and rewards using a robust, transparent and objective economic methodology that is consistent across products.

Description: Discussion of an Actuarial Guideline dealing with the regulation of minimum cash values for return of premium term, a new product in life insurance.

Description: This article discusses and summarizes the results of the Canadian Institute of Actuaries CIA studies of lapse experience under universal life cost of insurance and term-to-100 policies. Reprinted with permission from Product Matters! June 2008

Description: Provides a review of the available lapse experience for lapse-supported Life and Long-Term Care products.