Description: The life insurance industry has experienced dramatic changes since the onset of COVID-19 in March 2020. Growing competition, a rise in online shopping, and the impact of COVID-19 have all led to an increase in contactless and completely digitized life insurance options. At Policygenius, we wanted to dig deeper into these big industry changes and better understand how they affect life insurance buyers. What our 2022 life insurance trend report found was a changing industry, making tremendous strides, and creating even better pricing and policy options for customers.

Description: Article on mortality anti-selection - different versions of the Dukes/MacDonald approach to measuring mortality anti-selection resulting from high lapse rates and/or term products with explicit re-entry provisions.

Description: 1994 SOA Spring Meeting, San Francisco. This session was about issues relating to term insurance including product design, pricing, compensation, and reserving issues.

Description: This paper discusses the special considerations involved in pricing a select and ultimate annual renewable term product. It covers such areas as expenses, conversion costs, and profit calculation, and devotes particular attention to the relationship between mortality and withdrawals on this type of product. From Transactions of Society of Actuaries 1980, Vol. 32.

Description: Presented at April 1985 Spring Meeting. Discusses new business developments which have led to a resurgence in term life sales and profitability.

Description: This article discusses a recently completed RGA in-depth study that looked at assumptions and experience for lapses and mortality at the end of the level premium period for level term business.

Description: This article discusses the characteristics of companies dedicated to being leaders in the Term market and the role that reinsurers play.

Description: This 1977 panel discussion examined actuarial considerations in the design of term products. Topics included: 1. The special design features included in renewable and decreasing term plans 2. special factors that need to be considered in the pricing of term products 3. Typical term profit objectives

Description: This 1978 session on individual life product development included discussion on: 1. Major revisions, reasons for change, innovative techniques, and problems. 2. New products and special considerations.