Description: The article looks back at the development of life protection product underwriting and pricing in UK. It describes the development in waves of change, looking at different drivers, e.g. consolidation of the life insurance industry, the role of technology as a driver for efficiency gains via electronic underwriting. Different levels of sophistication are being discussed and possible implications for the relationship between direct offices and reinsurers. This rather thought provoking article is based upon Munich research as well as market experience and ties in with a number of current topics as for example potential changes as a result of the Retail Distribution Review and the Gender Directive implementation.

Description: Analysis of Alzheimer’s Disease as a potential Critical Illness insurance benefit trigger.

Description: This session reviewed the distinctions and blurring of those distinctions between group and individual life insurance. Topics include differences in underwriting, legal constraints, marketing and distribution, and the nature of guarantees provided

Description: Ways of closing the mortality protection gap, by leveraging some of the new technology, data and analytics to reduce the friction in the buying process.

Description: Feature article describing how the Society of Actuaries (SOA) partnered with the Association of Home Office Underwriters (AHOU) and the Canadian Institute of Underwriters to conduct research focused on new medical tests and markers that may have significance and relevance to the life insurance markets to get a sense of where underwriting practices are going in the future.

Description: This report examines mortality and other actuarial assumptions for products sold at older ages.

Description: Feature article describing the events of the recent 2012 ReFocus meeting.

Description: This is an article that has excerpts from each of the four winning papers of a contest sponsored by the Society of Actuaries on the subject of visions of the life insurance industry in 2020.

Description: Presented at May 2002 Spring Meeting. This session addresses the important elements in designing preferred risk products. Theoretical and pragmatic approaches to establishing a sound policy for setting underwriting requirements and mortality assumptions are discussed, including the real mathematics of preferred risk classification, distribution of risk profiles by age and the key elements of age-specific underwriting.

Description: Feature article describing a simple and ready solution that allows a hedging program to operate effectively without risk of mismatch due to mortality fluctuations.