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Lapse Rates
surrender occur because the insurance had served its primary purpose. However, an analysis of the use to which ... investigation may lie in interview sur- veys, in direct contact with the policyholder, and in research ...- Authors: Charles F B Richardson, John M Hartwell
- Date: Sep 1951
- Competency: External Forces & Industry Knowledge
- Publication Name: Transactions of the SOA
- Topics: Life Insurance>Policyholder behavior - Life Insurance
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Premium Persistency Study of Flexible Premium Universal Life Products Report
indicated all products were fully underwritten. The primary target markets reported for ULSG products were ... relationships, not to build up cash values. As such, care should be taken in pricing conducted assuming an ...- 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
One of these three companies indicated that their direct business had different lapse rates. The other ... 0 2 4 6 8 10 12 Broker/agent Bank Wirehouse Direct Career Agency Financial Planner Distribution ...- Authors: Jason Tucker Hartman
- Date: Jan 2018
- Competency: External Forces & Industry Knowledge
- 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
they operate. Therefore, actuaries should take care in applying the results of this study for purposes ... Companies should categorize products based on the primary target market objective for the product’s design ...- Authors: Society of Actuaries
- Date: Sep 2018
- Competency: External Forces & Industry Knowledge
- Topics: Life Insurance>Policyholder behavior - Life Insurance
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2018 Universal Life with Secondary Guarantees Survey: Survey of Assumptions for Policyholder in the Tail
40% 60% 80% 100% Broker/Agent Bank Wirehouse Direct Other Distribution Systems used by Insurers who ... actuaries, who have a rigorous formal education and direct experience as practitioners as they perform applied ...- 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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2017 Universal Life with Secondary Guarantees Survey
with a heavier proportion using wirehouse and direct distribution relative to prior years. Figure ... 40% 60% 80% 100% Broker/Agent Bank Wirehouse Direct Other Distribution Systems used by Insurers who ...- 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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Policyholder Behavior in the Tail Risk Management section Working Group UL with Secondary Guarantee 2013 Survey Results
Policyholder Behavior in the Tail Risk Management section Working Group UL with Secondary Guarantee 2013 ... 80% 90% 100% Broker/Agent Bank Wirehouse Direct Other Distribution Systems used by Insurers who ...- 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
Policyholder Behavior in the Tail Risk Management Section Working Group UL with Secondary Guarantee ... 40% 60% 80% 100% Broker/Agent Bank Wirehouse Direct Other Distribution Systems used by Insurers who ...- 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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2009-13 U.S. Individual Life Persistency Report
Table 39 — Survivorship Life Insurance Exposure by Primary Insured Issue Age Cohort ................... 109 ... Percent of Survivorship Policy Exposure Within Primary Issue Age by Issue Age Difference .........- 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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Shock Lapse Experience Report - Phase 2 Report
Shock Lapse Experience Report - Phase 2 Report Report on the Lapse and Mortality Experience of ... experience from participating companies with a primary focus on the shock lapse at the end of the level ...- Authors: Susan Willeat, Timothy Rozar, Scott Rushing
- Date: Jul 2010
- Competency: Technical Skills & Analytical Problem Solving
- Topics: Life Insurance>Policyholder behavior - Life Insurance