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Regulatory Debate [Part 1]: Universal Versus Whole Life
the consumers and assuming the companies will take care of themselves. Regulation is supposed to be ... international theme and say, "Competition will take care of that to the extent that the consumers want it ...- Authors: David Hippen, David Simbro, Michael Scott Smith, Elinor Friedman, Jeffrey M Dube
- Date: Oct 2002
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Universal life
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Universal Life, No-Lapse, and the Law vs. Free Markets
ture interest rate. Tradition seems to be the primary reason. When universal life first became popular ... provisions guarantee the death benefit even if the (primary) account value or cash value is zero (or negative) ...- Authors: David Hippen
- Date: Mar 2001
- Competency: External Forces & Industry Knowledge
- Publication Name: The Financial Reporter
- Topics: Life Insurance>Universal life
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Regulatory Debate [Part 2]: Changes to the Standard Nonforfeiture Law
should be getting out of that contract. If you don't care about cash values when you buy it, you can buy ... solvency and who believe that they should take care of themselves. In the end, because nonforfeiture ...- Authors: David Hippen, William J Schreiner, William John Cummings, Elinor Friedman
- Date: Oct 2002
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Annuities>Fixed annuities