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Premium Persistency Study of Flexible Premium Universal Life Products Report
(GAAP)/International Financial Reporting Standards (IFRS) purposes. A survey was conducted of FPUL companies ... assumptions used for cash flow testing and GAAP/IFRS purposes were also requested and reported. There ...- Authors: Society of Actuaries
- Date: May 2012
- Competency: External Forces & Industry Knowledge
- Topics: Life Insurance>Policyholder behavior - Life Insurance; Life Insurance>Universal life
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Policyholder Behavior in the Tail Joint Risk Management Section Working Group Variable Annuity Guaranteed Benefits 2017 Survey Results
Policyholder Behavior in the Tail Joint Risk Management ... appreciates the 16 usable responses received from 17 participating companies. However, this participation ... 17 25 18 10Number of Responses 28 17 ...- Authors: Jason Tucker Hartman
- Date: Jan 2018
- Competency: External Forces & Industry Knowledge
- Topics: Life Insurance>Policyholder behavior - Life Insurance
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2017 Universal Life with Secondary Guarantees Survey
scenarios used are summarized in Figure 6 through Figure 17. Lapse Assumptions Lapse rates in the tail ... stochastic) 2012 (24 responses) 2013 (23 responses) 2014 (17 responses) 2015 (18 responses) 2017 (21 responses) ...- Authors: Jeffrey Hartman
- Date: Jul 2017
- Competency: External Forces & Industry Knowledge
- Topics: Life Insurance>Policyholder behavior - Life Insurance; Life Insurance>Secondary guarantees; Life Insurance>Universal life
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2009-13 U.S. Individual Life Persistency Report
................................................ 17 Data Quality Checks .......................... ... ................................................ 17 Table 5 — Exposure Data Characteristics for Term ...- Authors: Society of Actuaries
- Date: Jun 2019
- Competency: External Forces & Industry Knowledge
- Topics: Experience Studies & Data>Policyholder or participant behavior - Experience ; Life Insurance>Policyholder behavior - Life Insurance
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Policyholder Behavior in the Tail Risk Management section Working Group UL with Secondary Guarantee 2013 Survey Results
rates reported. 2013 saw significant growth, 9 of 17 (53%) in 2013 compared to 5 of 15 (33%) in 2012, ... responses). 2008 VBT table usage increased from 12% to 17% (Figure 30). In addition, 3 of the 6 respondents ...- Authors: Stephen Hodges, Charles M Bremer
- Date: Jan 2014
- Competency: External Forces & Industry Knowledge
- Topics: Life Insurance>Policyholder behavior - Life Insurance; Life Insurance>Secondary guarantees; Life Insurance>Universal life
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Policyholder Behavior in the Tail Risk Management Section Working Group UL with Secondary Guarantee 2015 Survey Results
scenarios used are summarized in Figure 6 through Figure 17. Lapse Assumptions Lapse rates in the tail ... cited 2008 VBT as their reference table, up from 17% in 2013’s survey. On the other hand, only 11% ...- Authors: Stephen Hodges, Charles M Bremer, Jeffrey Hartman
- Date: Apr 2016
- Competency: External Forces & Industry Knowledge
- Topics: Life Insurance>Policyholder behavior - Life Insurance; Life Insurance>Secondary guarantees; Life Insurance>Universal life
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2018 Universal Life with Secondary Guarantees Survey: Survey of Assumptions for Policyholder in the Tail
scenarios used are summarized in Figure 6 through Figure 17. Lapse Assumptions • Lapse rates in the tail ... deterministic and stochastic) 2013 (23 responses) 2014 (17 responses) 2015 (18 responses) 2017 (21 responses) ...- Authors: Jeffrey Hartman
- Date: Sep 2018
- Competency: External Forces & Industry Knowledge
- Topics: Life Insurance>Policyholder behavior - Life Insurance; Life Insurance>Secondary guarantees; Life Insurance>Universal life
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Shock Lapse Experience Report - Phase 2 Report
................................................ 17 PREMIUM JUMP RATIO BY COMPANY ................. ... 4.8% 15 22,470 11,299 50.3% 16 8,072 1,889 23.4% 17 5,307 362 6.8% Grand Total 251,981 25,148 T15 Lapse ...- Authors: Susan Willeat, Timothy Rozar, Scott Rushing
- Date: Jul 2010
- Competency: Technical Skills & Analytical Problem Solving
- Topics: Life Insurance>Policyholder behavior - Life Insurance
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2009-13 Lapse/Surrender and Premium Persistency Experience for Flexible Premium Universal Life Products
12% 22% 50-59 24% 29% 24% 60-69 10% 5% 15% 60-69 17% 20% 23% 70+ 3% 1% 4% 70+ 8% 11% 14% Total 100% ... Guarantee Products Accumulation Products Pre 1990 ** 17% 1990-1999 12% 61% 2000-2004 37% 8% 2005-2009 ...- Authors: Society of Actuaries
- Date: Sep 2018
- Competency: External Forces & Industry Knowledge
- Topics: Life Insurance>Policyholder behavior - Life Insurance
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Policyholder Behavior in the Tail Risk Management section Working Group UL with Secondary Guarantee 2012 Survey Results Report
return was felt to be a critical assumption by 17 of the respondents (Figure 41). • Ten of the 25 ... slightly lower for the highest issue ages (70+) (Figure 17 and Figure 19). • Median lapse rates at age 40-49 ...- Authors: Society of Actuaries, Stephen Hodges, Mark Bergstrom
- Date: Mar 2013
- Competency: External Forces & Industry Knowledge
- Topics: Life Insurance>Policyholder behavior - Life Insurance; Life Insurance>Secondary guarantees; Life Insurance>Universal life