Description: Federal Tax Issues Under the 2001 CSO Mortality Tables

Description: This is a summary of the NAIC meeting held in September of 2008.

Description: In the June 2014 issue of Product Matters, Doug Robbins of Pacific Life authored a fascinating article entitled “Velocity of Diversification.” Therein, he proposed a pricing measure that describes the “…speed at which confidence in profitability is attained”. How can stochastic modeling of mortality be applied to analyze the velocity of diversification, and how would that measure be affected by volatility in the underlying assumptions?

Description: Discussion of private letter tax rulings on the definition of Cash Surrender Value for purposes of interpreting the definition of life insurance for the policyholder's taxation of the contracts.

Description: Impact of low and negative interest rates on various aspects of insurer operations including product management, investment management and capital management.

Description: This article examines the impact of a changing smoking rate on population-level mortality improvement and the importance of taking this driver into account.

Description: Letter to the editor from a reader regarding a previous article titled, “Is This Correction Good For Life Insurance,” with a response from the author of the article.

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

Description: A discussion of how the tax law changes of 2003 might affect the attractiveness of variable annuity business relative to mutual funds and direct investments in dividend paying equities.

Description: The world around us keeps changing F.A.S.T. propelling life insurance companies to respond with F.R.E.S.H. product solutions.