Description: An interview with Joe Gilmour to share his views on the future innovations in underwriting that will help grow the individual life insurance business.

Description: SOA Product Development Section Contest Winning Article. Contest was to provide a creative article on future technology for the life insurance industry.

Description: The Congressional Budget Office reports that out-of-pocket expenses accounted for 19 percent of the total long-term care LTC expenses in the United States in 2006, and private LTC insurance accounted for only 8 percent of these expenses, which shows that Americans are underinsured for LTC expenses. While it is true that public programs like Medicaid and Medicare cover much of the nation’s LTC expenses 68 percent of the total LTC expenses in the United States in 2006, eligibility for these programs comes at a great cost to the individual.

Description: This article addresses the issues of short-term volatility, the non-equivalency of traders and, how product development is being impacted by market consistency.

Description: Ways of closing the mortality protection gap, by leveraging some of the new technology, data and analytics to reduce the friction in the buying process.

Description: Feature article discussing recent innovations within the fixed annuity insurance industry and the changes those innovations may bring.

Description: A discussion of how patents can be used to recover the cost of innovation in product development and operations

Description: Full issue

Description: Discussion of pricing and underwriting Long Term Care coverage that is combined with annuities or life insurance.

Description: Letter from the Chair of the Product Development Council. Challenging times bring opportunities. Today's low interest environment is a rallying cry for our industry to transform our products and the way we do business