Description: February 2016 issue of Product Matters!

Description: Read the July 2016 issue of Product Matters!

Description: This discussion on expenses, briefly looks at what the smaller company can do about increasing unit costs and in view of increased costs, what simplifications can be made in the routine of policy change procedures.

Description: Career planning

Description: Summary of the ReFocus 2018 Conference, jointly sponsored by the American Council of Life Insurers and the SOA.

Description: This article describes services of a reinsurance intermediary and the use of reinsurance to meet financial objectives.

Description: Six years after the global financial crisis, the reshaped contours of the market for the life insurance industry are coming into focus.

Description: Many top-performing businesses aren’t just risk aware, but rather risk intelligent. Such a posture helps prepare companies for a major event and can demonstrate to a regulator or auditor that an appropriately strong control framework is in place. Better still, companies gain real strategic value from a “risk adjusted” understanding not only of their threats and vulnerabilities, but also the upside opportunities associated with various risks. It starts with having both qualitative and quantitative information to identify, assess and manage risks. Strategic risk management, at its core, is about creating value by increasing transparency and accountability, and quality of information. More than a mere compliance exercise, effective risk management enables more informed strategic decision making, increased accountability and transparency, a greater likelihood of organizational success, and – ultimately – competitive advantage, as borne out by many studies that correlate risk management and financial results.