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Term Wars
Term Wars This session at the SOA 1998 Maui I Spring Meeting looks at the increasing competition ... marketing of term insurance from the viewpoint of a direct writer and a reinsurer. Lapse rates=Lapses;Life ...- Authors: Jeffery Dukes, David Wylde, Mary J Bahna-Nolan
- Date: Jun 1998
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Term life
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New Developments - Term Insurance
percent of first year premium. A.L. Williams takes care of sales training, sales administration, and certain ... business and only selling direct response term. We have been in the direct response business for about ...- Authors: Gerald Kopel, Thomas A Skiff, Richard Tash, Robert L Whitney, Melville J Young
- Date: Apr 1985
- Competency: External Forces & Industry Knowledge>Internal forces and business performance; Strategic Insight and Integration>Strategy development
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Pricing - Life Insurance; Life Insurance>Term life
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Term Insurance Developments
into alternative distribution systems, such as direct response. Mike was also the founder and the first ... concerns behind XXX? I believe that there arc three primary perceived problems that the regulators want to ...- Authors: Norman E Hill, Donald Maves, Michael Palace, H Shumrak, William R Wellnitz, Eileen M Cota
- Date: Oct 1989
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Term life
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The Continuing Saga of Term Insurance
They turned out to be conservatively high for two primary reasons. First, the volume of business increased ... Deficiency reserve considerations have been a primary factor in policy design. Improperly designed policies ...- Authors: Burnett A Halstead, Marshall H Lykins, Richard E Ostuw, Samuel B Shlesinger
- Date: May 1981
- Competency: External Forces & Industry Knowledge>Actuarial methods in business operations; Strategic Insight and Integration; Technical Skills & Analytical Problem Solving>Problem analysis and definition
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Term life; Public Policy
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Current Individual Term Product Trends
Individually, i.e., looking at each component as a direct writer. 2. From the reinsurer's point-of-vlew ... not realistic. Reinsurance -- As feared by many direct writers, the free ride provided by reinsurers with ...- Authors: Gary E Dahlman, Edward Jarrett, Denise Tiller, William C Weller
- Date: May 1984
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Term life
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Individual Life Product Development
etc. Drawing upon past experience the initial direct emphasis will usually, but not always, be upon ... share techniques do not specifically incorporate a direct assumption for federal income taxes. In other words ...- Authors: Edward T Hill, James Reiskytl, Michael L Smith, William Strong
- Date: May 1978
- Competency: Technical Skills & Analytical Problem Solving>Innovative solutions
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Pricing - Life Insurance; Life Insurance>Term life; Life Insurance>Whole life
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Term Insurance: Outlook for 1990
have a couple more examples of where you must take care in applying current experience data. The average ... on this portion of the agenda will apply to the direct side as opposed to the reinsurance side of Transamerica ...- Authors: Angelica Michail, Raymond A Bierschbach, Gary N Peterson, John E Tiller
- Date: Oct 1987
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Term life
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The Continuing Saga of Term Insurance
understanding of the evolution of deposit term, the primary objective originally seemed to be to protect both ... and Deposit Term type products have shared the primary spotlight, while other term products, those which ...- Authors: David M Mordorski, Application Administrator, Richard A Swift, David A Webster
- Date: Apr 1981
- Competency: External Forces & Industry Knowledge>Actuarial methods in business operations; Strategic Insight and Integration; Technical Skills & Analytical Problem Solving>Problem analysis and definition
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Term life
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Current Individual Term Product Trends
818[c)2. Many companies also projected losses on direct business but made a profit when reinsurance was ... inherently flawed and was producing a loss on a direct basis, so the product had to be pulled when reinsurance ...- Authors: Douglas Doll, Roger Heath, P Randall Lowery, David A Schofield, Michael R. Winn
- Date: Apr 1984
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Term life
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Joint Meeting Of The Reinsurance Section And The Individual Life Insurance And Annuity Product Development Section - New Term Products For The Large Policy Market
in this position can certainly afford top health care, but he is also under per- manent stress. If he ... centered on actual company experience of certain direct writers as well as actual reinsurance acmpany experience ...- Authors: James F Allen, Gottfried O Berger, Allen D Booth, D Alan Little, R Stephen Radcliffe, Harold D Singh, Irwin T Vanderhoof
- Date: Apr 1983
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Experience Studies & Data>Mortality; Life Insurance>Term life