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What if Mortality Stops Improving? Introducing a Product Idea that Shares the Risks and Benefits of Changes in Mortality Rates
What if Mortality Stops Improving? Introducing a Product Idea that Shares the Risks and ... companies and policyholders. We have not modeled “dynamic” lapse rates for the mortality scenarios described ...- Authors: Craig Reynolds, Aatman Dattani
- Date: Aug 2023
- Competency: Technical Skills & Analytical Problem Solving
- Publication Name: Product Matters!
- Topics: Experience Studies & Data; Experience Studies & Data>Mortality; Life Insurance; Life Insurance>Product development - Life Insurance
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A Fresh Look at IRC Section 7702: From a Technology Perspective
applications is relatively marginal, as a result of dynamic nature and scalability of these tools. There are ... available computing power, are much more scalable and dynamic in managing data and working with databases, offer ...- Authors: Sheryl Flum, Alexander Zaidlin, Drew Caulk
- Date: Feb 2022
- Competency: Results-Oriented Solutions
- Topics: Life Insurance; Life Insurance>Policyholder behavior - Life Insurance; Life Insurance>Pricing - Life Insurance; Life Insurance>Product development - Life Insurance
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Innovation vs. Governance - Can They Coexist?
failure in innovation. This article outlines a new dynamic to address this challenge. By Paul M. Fedchak ... of being sent back to the drawing board. This dynamic negatively affects innovation in two ways: Each ...- Authors: Paul Fedchak, Stacy Koron
- Date: Jun 2021
- Competency: External Forces & Industry Knowledge
- Publication Name: Product Matters!
- Topics: Enterprise Risk Management>Governance; Life Insurance>Pricing - Life Insurance; Life Insurance>Product development - Life Insurance
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Rightsizing the Floor Interest Rate Rules of Sections 7702 and 7702A
rule for 2021 and, for subsequent years, a more dynamic structure for determining floor interest rates ... rounded to the nearest quarter percent.[40] The dynamic nature of the interest rate mechanism in the standard ...- Authors: Brian King, Craig R Springfield, Robert A Fishbein
- Date: Mar 2021
- Competency: External Forces & Industry Knowledge
- Publication Name: Taxing Times
- Topics: Life Insurance>Pricing - Life Insurance; Life Insurance>Product development - Life Insurance; Life Insurance>Universal life; Life Insurance>Whole life; Public Policy; Public Policy
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Session 137: Pension Plan Hibernation: Don't Poke the Sleeping Bea
Session 137: Pension Plan Hibernation: Don't Poke the Sleeping Bea Near the end of a pension ... factors to its proprietary models. Due to the dynamic nature of factors affecting markets, there is no ...- Authors: Brett Dutton, Rene Martel, Hilja Viidemann
- Date: Feb 2020
- Competency: External Forces & Industry Knowledge
- Topics: Financial Reporting & Accounting; Financial Reporting & Accounting>Statutory accounting; Life Insurance; Life Insurance>Product development - Life Insurance; Pensions & Retirement; Pensions & Retirement>Defined contribution and 401k plans
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Session 061: What Industry Data Tells Us About Policyholder Behavior
Session 061: What Industry Data Tells Us About Policyholder Behavior This session meets the ... Life vs. Universal Life The Preferred Experience Dynamic – Observations from ILEC 2009-2013 6 Data Sources ...- Authors: Aisling Bradfield, Lisa Seeman, Colin Sproat
- Date: Jan 2020
- Competency: External Forces & Industry Knowledge
- Topics: Experience Studies & Data; Experience Studies & Data>Policyholder or participant behavior - Experience ; Life Insurance; Life Insurance>Product development - Life Insurance
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Consumers Drive Change
continuous risk assessment from a simple dataset—dynamic underwriting that minimizes risk, facilitates ... desire for lifestyle-based protection with a dynamic data-driven approach designed to encourage, acknowledge ...- Authors: Richard De Sousa
- Date: May 2019
- Competency: Strategic Insight and Integration
- Publication Name: News Direct
- Topics: Life Insurance>Product development - Life Insurance; Life Insurance>Marketing and distribution - Life Insurance; Technology & Applications>Analytics and informatics; Technology & Applications>E-commerce; Technology & Applications>Software; Technology & Applications>Artificial intelligence & machine learning
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Accelerated Underwriting Program Development Seminar
Accelerated Underwriting Program Development Seminar Accelerated underwriting is changing ... Combination of evidences • Sequence of ordering evidence • Dynamic requirements 7 Future Regulatory Impacts • ...- Authors: Society of Actuaries
- Date: May 2019
- Competency: Strategic Insight and Integration
- Topics: Life Insurance>Pricing - Life Insurance; Life Insurance>Underwriting - Life Insurance; Life Insurance>Product development - Life Insurance
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Optimizing CPPI investment strategy for life insurance
Optimizing CPPI investment strategy for life insurance Constant Proportion Portfolio Insurance ... performance is assessed on realistic assumptions and dynamic strategies to mitigate the so-called ”gap risk” ...- Authors: Saad Mouti, Aymeric Kalife
- Date: Oct 2018
- Competency: Results-Oriented Solutions>Assess decision effectiveness; Technical Skills & Analytical Problem Solving>Incorporate risk management; Technical Skills & Analytical Problem Solving>Innovative solutions
- Publication Name: Product Matters!
- Topics: Finance & Investments>Investment strategy - Finance & Investments; Life Insurance>Product development - Life Insurance
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Product Matters, October 2018
lim- iting the downside risk by implementing a dynamic allocation strategy between high- risk and risk- ... realistic pricing jump model and examine several dynamic strategies and put options to mitigate the risk ...- Authors: Society of Actuaries
- Date: Oct 2018
- Competency: External Forces & Industry Knowledge; Strategic Insight and Integration>Effective decision-making
- Publication Name: Product Matters!
- Topics: Life Insurance>Product development - Life Insurance
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Proactively Managing Life Insurance Risks
Proactively Managing Life Insurance Risks The article explores the possibility of using the ... addition, imple- menting and maintaining real- time Dynamic Monitoring and Intervention System (DMIS) over ...- Authors: Feng Sun, Amy Tran
- Date: Aug 2018
- Competency: External Forces & Industry Knowledge>Actuarial methods in business operations; Strategic Insight and Integration>Effective decision-making; Technical Skills & Analytical Problem Solving>Incorporate risk management; Technical Skills & Analytical Problem Solving>Innovative solutions; Technical Skills & Analytical Problem Solving>Problem analysis and definition; Technical Skills & Analytical Problem Solving>Process and technique refinement
- Publication Name: Risk Management
- Topics: Enterprise Risk Management; Experience Studies & Data>Mortality; Life Insurance>Product development - Life Insurance; Predictive Analytics
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Product Matters, June 2018
their premium will adjust upwards over time. The Dynamic Pricing Model The model in Figure 2 leverages the ... channelled back to clients in the form of rewards and dynamic premium pricing. The Vitality Shared Value Model ...- Authors: Society of Actuaries
- Date: Jun 2018
- Competency: External Forces & Industry Knowledge; Strategic Insight and Integration>Effective decision-making
- Publication Name: Product Matters!
- Topics: Annuities>Product development - Annuities; Life Insurance>Product development - Life Insurance
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Shared Value Insurance: Award Winning Innovation
their premium will adjust upwards over time. The Dynamic Pricing Model The model in Figure 2 leverages the ... channelled back to clients in the form of rewards and dynamic premium pricing. The Vitality Shared Value Model ...- Authors: Benjamin Rubin, Alan Pollard
- Date: Jun 2018
- Competency: Technical Skills & Analytical Problem Solving>Innovative solutions
- Publication Name: Product Matters!
- Topics: Life Insurance>Product development - Life Insurance
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Product Matters, February 2018
Product Matters, February 2018 Read the February 2018 issue of Product Matters published ... regulation, see https://www.actuary.org/committees/dynamic/SVLMODERN IZATION. n Paul Hance, FSA, CERA, MAAA ...- Authors: Society of Actuaries
- Date: Feb 2018
- Competency: External Forces & Industry Knowledge; Strategic Insight and Integration>Effective decision-making
- Publication Name: Product Matters!
- Topics: Annuities>Product development - Annuities; Life Insurance>Product development - Life Insurance
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Product Matters, June 2017
the CTE 704 of scenario reserves.5 In addition, dynamic assumptions for policyholder behavior that vary ... ready to project assets? Does your company have dynamic assumptions for policyholder behavior? For chronic ...- Authors: Society of Actuaries
- Date: Jun 2017
- Competency: External Forces & Industry Knowledge; Strategic Insight and Integration>Effective decision-making
- Publication Name: Product Matters!
- Topics: Annuities>Product development - Annuities; Life Insurance>Product development - Life Insurance
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The Social Impact of the Actuarial Profession
The Social Impact of the Actuarial Profession The financial sector should provide financial ... are forced sellers, which is often inherent in dynamic hedging. They can also create internal algorithms ...- Authors: Anthony Asher
- Date: Mar 2017
- Competency: Professional Values; Strategic Insight and Integration>Big picture view; Technical Skills & Analytical Problem Solving>Innovative solutions
- Publication Name: Reinsurance News
- Topics: Actuarial Profession>Ethics; Actuarial Profession>Professional development; Enterprise Risk Management>Governance; Life Insurance>Product development - Life Insurance
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Product Matters
sophisticated asset-management tools, such as dynamic portfolio rebalancing and hedging. Explaining ... for highly variable assumptions, such as the dynamic lapse assumption for variable annuity products ...- Authors: Society of Actuaries
- Date: Jul 2016
- Competency: External Forces & Industry Knowledge>General business skills; Leadership>Thought leadership; Strategic Insight and Integration>Effective decision-making; Technical Skills & Analytical Problem Solving>Process and technique refinement
- Publication Name: Product Matters!
- Topics: Annuities>Product development - Annuities; Life Insurance>Product development - Life Insurance
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The Fundamental Trends Reshaping Life Insurance
The Fundamental Trends Reshaping Life Insurance Six years after the global financial crisis, the ... sophisticated asset-management tools, such as dynamic portfolio rebalancing and hedging. Explaining ...- Authors: Bartlomiej Maciaga, Achim Schwetlick, Alpesh Shah
- Date: Jul 2016
- Competency: External Forces & Industry Knowledge>General business skills; Leadership>Thought leadership; Strategic Insight and Integration>Effective decision-making; Technical Skills & Analytical Problem Solving>Process and technique refinement
- Publication Name: Product Matters!
- Topics: Annuities>Product development - Annuities; Life Insurance>Product development - Life Insurance
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Full Issue
rise of GMDBs The GLWB arms race The era of dynamic asset allocation Years 2002 through 2007 were ... away from equities and the use of dynamic asset allocation. Dynamic asset allocation comprises the use ...- Authors: Society of Actuaries
- Date: Feb 2016
- Competency: External Forces & Industry Knowledge>General business skills; Leadership>Thought leadership; Strategic Insight and Integration>Effective decision-making; Technical Skills & Analytical Problem Solving>Process and technique refinement
- Publication Name: Product Matters!
- Topics: Annuities>Product development - Annuities; Life Insurance>Product development - Life Insurance
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Free Tacos!
Free Tacos! Compares how other industries (in this case, Fast Food) researches and tests ... insurance products. This is a very compli- cated dynamic, so I have created the table below to help illustrate ...- Authors: Steven Rueschhoff
- Date: Feb 2014
- Competency: External Forces & Industry Knowledge; Leadership>Thought leadership; Results-Oriented Solutions>Actionable recommendations; Results-Oriented Solutions>Assess decision effectiveness; Technical Skills & Analytical Problem Solving>Innovative solutions
- Publication Name: Product Matters!
- Topics: Annuities>Product development - Annuities; Life Insurance>Product development - Life Insurance
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Then and Now
Then and Now The author uses a reprint of an article from the very first edition of the ... primarily on the U.S. tax code, as that was the key dynamic at that time. Now: With many more multi-national ...- Authors: Paula Hodges
- Date: Oct 2013
- Competency: External Forces & Industry Knowledge>Actuarial methods in business operations; External Forces & Industry Knowledge>External forces and business performance
- Publication Name: Taxing Times
- Topics: Financial Reporting & Accounting>Tax accounting; Life Insurance>Pricing - Life Insurance; Life Insurance>Product development - Life Insurance; Public Policy
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Current Dynamics of Universal Life and Indexed UL
Current Dynamics of Universal Life and Indexed UL Universal Life/Indexed Universal ... OCTOBER 2013 | 9 Conclusion Keeping on top of the dynamic and ever-changing mar- ket is critical to the development ...- Authors: Susan Saip
- Date: Oct 2013
- Competency: Strategic Insight and Integration
- Publication Name: Product Matters!
- Topics: Life Insurance>Pricing - Life Insurance; Life Insurance>Product development - Life Insurance; Life Insurance>Universal life
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Product Development Beginning to End:Post symposium Seminar
risk and the use of solving algorithms to have a dynamic model rate setting within the FIA financial models ... GLWB rider presentation, the use of a holistic dynamic policyholder behavior model was discussed as well ...- Authors: Donna Christine Megregian
- Date: Oct 2013
- Competency: External Forces & Industry Knowledge; Technical Skills & Analytical Problem Solving
- Publication Name: Product Matters!
- Topics: Annuities>Product development - Annuities; Life Insurance>Product development - Life Insurance