Description: This article describes how Long-Term Care riders attached to Life Insurance policies provide real insurance value at a reasonable cost and allow life insurance companies to compete on a basis other than cost.

Description: This panel discussion is from the 1991 Meeting of the Society of Actuaries, held May 16-17 in New York. The panelists discuss various aspects of accelerated benefits, also known as “living benefits riders,” such as types of benefits, marketing, tax issues, pricing, valuation, and reinsurance. Regulatory issues are discussed, including the work of the American Council of Life Insurance, ‘ACLI,’ and the National Association of Insurance Commissioners, ‘NAIC,’ and their committees, in developing a Model Regulation. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 2.

Description: Response to Life Insurance 2020 Foresight – A Call for Essays. An essay stating the author’s vision for the future of the life insurance sector.

Description: From the April 1982 Society of Actuaries meeting in Houston. Discussion of how the insurance industries in several countries have dealt with high levels of inflation with respect to the development and marketing of insurance products. Also discussed: I. the overall business and economic environment 2. the taxation structure of insurance companies 3. the availability of suitable investments 4. the insurance regulatory climate and 5. the structure of worldwide capital markets Possible applications to U.S. insurance in the 1980's were explored.

Description: Panelists discuss new methods, ideas, and approaches to products designed to provide adequate compensation to agents under new compensation arrangements and appropriate profits for insurers, while maintaining customer values. From the 1987 Record of Society of Actuaries, Vol. 13, No. 2.

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: The Actuary Vol. 22, No. 11. This is a debate regarding two approaches to Life Insurance Illustrations: The Range approach vs. the Current Scale approach

Description: This predictive modeling paper, “Household Life Insurance Demand – A Multivariate Two-Part Model is one of a collection of essays that examine how existing or new methods or models can be applied to the life insurance industry.

Description: Description of general tax consequences of purchasing an insurance company, either through buying the assets or buying the stock.

Description: This paper illustrates the calculation of embedded value of an insurance company. The principles should be applicable to similar calculations for other companies.