Description: Discusses Phase 1 survey results from the SOA/RGA post-level term research project.

Description: This is an article about term mortality and lapses and related premium structures.

Description: This article discusses a recently completed RGA in-depth study that looked at assumptions and experience for lapses and mortality at the end of the level premium period for level term business.

Description: This article discusses the characteristics of companies dedicated to being leaders in the Term market and the role that reinsurers play.

Description: Key excerpts from research recently performed by Milliman consultants for the SOA on the impact of VM-20 on life insurance product development.

Description: Article on mortality anti-selection - different versions of the Dukes/MacDonald approach to measuring mortality anti-selection resulting from high lapse rates and/or term products with explicit re-entry provisions.

Description: This article presents the benefits of return of premium term riders.

Description: Discussion of an Actuarial Guideline dealing with the regulation of minimum cash values for return of premium term, a new product in life insurance.

Description: Key excerpts from research recently performed by Milliman consultants for the SOA on the impact of VM-20 on life insurance product development.

Description: The article summarizes 2013 survey results of company assumptions for term products in the post-level period. The focus is on product design, shock lapse assumptions, and mortality deterioration assumptions. This article features highlights from the larger SOA-sponsored research project on this topic published in 2013 that compiled end-of-2012 assumption data from 41 companies. This content may prove useful to product development actuaries as they consider their current post-level term assumptions.