Description: RECORD OF SOCIETY OF ACTUARIES 1981 VOL. 7 NO. 3 This discussion looks at the future of permanent life insurance as of 1981, comparing traditional permanent products to term life, universal life, and non life insurance products. Related uncertain economic environment issues and tax issues are discussed.

Description: The article summarizes results of a Milliman survey per the title. These products comprise about 40% of the total individual life market, and the survey covers a range of topics on these plans, which should be of interest to a large portion of the life industry.

Description: Description and welcome to the 2020 Canadian Reinsurance Conference including highlight of the key note speaker

Description: Read the Quo Vadis Reinsurance.

Description: Written in reaction to the AG49-A "quick-fix" passed, this article covers the history of IULillustration regulation. It begins by covering major product development and regulationmilestones to date, with numerical examples to show their impacts on illustrations. It thenexplains how the "quick-fix" works and what its impact on illustrations is. Lastly, the articlelooks forward to what could be in store in the future for IUL illustrations.

Description: Hubert Mueller describes why unit-linked products are increasingly popular in Europe and provides his outlook for continued growth.

Description: This article discusses problems with life insurance sales illustrations. Potential abuses include use of unrealistic interest rates, projection of mortality improvements, elimination of loads after the 15th year and bonus crediting after the 15th year.

Description: An introduction to ultimate life insurance, a product intended to be flexible enough to meet consumers' needs over their lifetimes. The paper gives some illustrations and discusses the Ultimate Life Financial Risk Analysis computer program.

Description: Proposes alternatives for estimating the long term interest returns in Indexed Universal Life products. Defends expected return of 20%-45% on hedge budgets.

Description: Discussion of growth in popularity of UL products designed to focus on the guarantee of death benefit protection rather than cash value accumulation and some of the pricing and reserving issues with respect to those products