Description: The viability and future outlook for the individual disability industry has dramatically improved from where it was 10 years ago. Evidence of this turn–around can be found in the industry's current profitability and its development of new markets. This article discusses where the market stands today.

Description: Examines the trends affecting the distribution system for the industry's products, and the regulatory and tax environment in which life companies operate. Also looks briefly at the state of competition in the industry.

Description: This article discusses many of the complexities of the new IDI valuation table and how they might impact the implementation process.

Description: This paper derives exact expressions for the ultimate ruin probability and establishes the effect of correlation on ruin probability using the Wiener-Hopf factorization.

Description: The author discusses group short-term disability or STD programs, including the advantages and disadvantages of self insured vs. insured plans, as well as hybrid approaches.

Description: Past problems with Association Group Disability Coverage inadequate pricing, contract deficiencies, less restrictive underwriting standards, lack of risk diversification Issue No. 38

Description: Provides background on the Brazilian insurance authority's ban of the group life rider benefit for Total and Permanent Disability due to illness, TPD. Then discusses alternative benefits that could be offered as replacements.

Description: discussion of a new product idea for retirement planning which integrates a variety of needs estate death benefit, annuity income, disability income, etc. into one product

Description: A Discussion of why female mortality is higher than male mortality at higher ages.

Description: Panelists discuss the role of the valuation actuary in health insurance. From the Record of the Society of Actuaries, Vol. 24, No. 2.