Description: Paper provides an overview of the impacts of population aging on the design and marketing of group life and health and group pension products over the next 40 years. While the paper is written with a group focus, the implications of the material for individual product design and marketing are immediately obvious and equally important. From the Transactions of Society of Actuaries 1994, Vol. 46.

Description: This article discusses the ratio of male birth to female birth, which is dropping. The experts cite older ages of parents, environmental pollution, fertility drugs, and other factors. This article discusses the observation that throughout nature, the ecosystem maintains a remarkable stability. Due to declining mortality rates for males relative to females, fewer males need to be born now to maintain equal numbers of males and females during the reproductive years. This may be a factor in the decline of the ratio of males born to females born.