Description: This report provides a framework of analyses and methods that can be use to compare and assess strategies for developing lifetime retirement income.

Description: The report studies the impact of unemployment and underemployment on insurance business, introducing concepts, theoretical background, and patterns of both.

Description: This study provides insight about what retirees and those nearing retirement age say about management of post-retirement risk and the use of various strategies for managing that risk.

Description: This study seeks to understand what has already been done to date to determine how many people are at risk, how great that risk is, and what can be done to minimize it. In addition, this report explores solutions that may lay in changing individual behaviors. Since much of what happens in preparation for and during retirement is up to an individual, we want to understand what we know about individual behaviors and how we can influence them. In addition, it should also be recognized that solutions might lie in new public or employer policies or in new products for the marketplace. Although there have been some new products entering the market in recent years—like late retirement, or so-called longevity insurance—the development of new solutions has been slow and may be hampered by complex government regulations.

Description: The authors of this report have identified three key corporate finance metrics and measures impacted by corporate pension plans that are increasingly being used by corporate decision-makers. The first is corporate leverage. The second is accounting adjustments made by rating agencies to income statements and cash flow statements. The third is the weighted average cost of capital (WACC) where it is felt that the calculation of the WACC from market data may be biased if corporate pension plans are ignored.

Description: This report studies the interrelationships between the general levels of unemployment in the economy and the sale and persistency of insurance products. The report explores whether insurance products have reduced sales and persistency as the level of unemployment increased in a given economic environment.

Description: The SOA is pleased to make available a series of reports highlighting the SOA's extensive boy of research on post-retirement risks and issues.

Description: This is the report on the findings of the January 2002 retirement risk survey. The purpose of the study was to evaluate American's awareness of possible financial risks and how this awareness impacts the management of their finances with respect to retirement.