Description: Discusses good sources of mortality data and possible distortions in the data.

Description: After years of discussion and debate, PrinciplesBased Reserving (PBR) is finally a reality. Small insurance companies have a unique opportunity to decide between electing for the company-wide exemption or adopting the PBR methods. This article discusses the benefits and challenges of the options available to small insurers under VM-20 as well as best practices that have been found along the way.

Description: This is a discussion of the paper, 'A Convenient Method of Providing for Mortality Improvement Based on the a-1949 Table' by James E. Hoskins. Discusses seriousness of errors that can develop under certain circumstances, provides a formula for adjusting by modes of payment, discusses circumstances in which differences between Hoskins' method and Projection B is greater than in the example used in the paper, etc.

Description: This paper discusses and provides the 1958 CSO and CET Mortality Tables on the Age Last Birthday Basis.

Description: There are many investigations probing the relationship between health outcomes [such as mortality rate, fertility rate] and economic variables [such as rise in income] and other variables [such as level of education, availability of clean water]. Usually, these results are demonstrated using data from countries where economic conditions are improving over time along with health outcomes. This paper studies the links between health risks and the current economic conditions in Mexico where general mortality conditions improved during the period 1980-2000 but income fell.

Description: This purpose of this paper is to furnish management of smaller companies with small company experience. This includes a comparison between medical and non-medical business and the maintaining of a continuous investigation procedure. This paper additionally determines experience rates of mortality for dividend purposes. Experience by cause of death is also provided.

Description: This report presents the results of the investigation of the mortality and withdrawal experience under permanent forms of life insurance policies issued on the attained age basis without medical examination under the Group Life conversion privilege.

Description: Future mortality improvement has been a common assumption in life insurance and annuity pricing and forecasting for many years. However, experience over the last decade suggests this might be an assumption that merits reconsideration in the United States. This article will take a closer look at factors that impact mortality improvement trends and discuss why insurers may want to reevaluate product designs to better manage the associated mortality risk. We then introduce a product idea with this in mind, where premiums are based on a life expectancy index and insurers share the risk (and opportunity) or mortality improvement with policyholders.

Description: This report presents the 1999 and 2000 calendar year experience of retired individuals in the United States and Canada who are covered under group pension contracts issued in the United States and Canada.

Description: Presents the results of the investigation of the mortality and withdrawal experience under permanent forms of life insurance policies issued on the attained age basis without medical examination under the Group Life conversion privilege.