Description: 1994 SOA Spring Meeting, San Francisco. The panel discussed current issues in participating, UL, and non-guaranteed element products. Topics of discussion included product design, regulatory issues, implementation, pricing issues, and compensation.

Description: The presenters in this classic session will explore protection and accumulation products as well discuss the current state of the hybrid Life/LTC market. They will also examine the latest trends and the challenges to innovation and highlight key factors impacting the product actuary including the impact of technology, regulation and competitive environment.