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: Discusses the different forms of guarantees that have been used in life insurance, and the various means of analyzing and establishing financial support to assure that these promises can be met.

Description: A perspective of the impact on the insurance industry after the first decade of AIDS in the US.

Description: Recently completed experience and research studies from the Society of Actuaries.

Description: This article is a discussion about the trends and changes affecting the life insurance industry by impacting product growth. Read how today's ideas can become tomorrow's successes.

Description: There are growing concerns that the Asian bird flu virus will evolve into a form that can be transmitted from human to human, thus unleashing a new global flu pandemic. This article uses the Spanish flu epidemic and the German life insurance portfolio to analyze the additional claims expenditure due to a pandemic.

Description: This article from The Actuary, April 1971, volume 5, Issue 4 talks about an exposure draft. The Exposure Draft of the American Institute of Certified Public Accountants on Audits of Life Insurance Companies has not apparently had among actuaries the wide circulation it deserves, judging by the relatively few responses to Robert Winters letter in the February issue of The Actuary. This is a most important document because it affects not only the accounting practices of life insurance companies but also the status of the actuarial profession.

Description: An interview with Jim Toole, lead researcher for SOA's pandemic research project. The project examines pandemic influenza and its implications to the life and health insurance industry.

Description: This article examines the changes in U.S. regulatory reserve and risk-based capital requirements that will significantly impact the insurance industry and practicing actuaries. It summarizes activity related to principles-based reserves and risk-based capital initiatives during 2005.

Description: The Actuary Vol. 22, No. 7. This article discusses the activities and goals of the Product Development Section of the SOA. Future activities will include joint sessions with other sections since product development issues sometimes relate to financial reporting. reinsurance, investments and nontraditional marketing.