Description: Discusses the extent to which various influences are reflected in premiums, dividends and settlement options: improved mortality, interest rate trends, federal taxes, agent compensation and increasing expenses.

Description: The objective of this presentation was to evaluate the different pricing techniques as to their effectiveness in capturing and quantifying the varied risks associated with the sale and administration of life insurance and annuity products. The results of a 2002 company survey about pricing were presented in support of this objective.