Description: A dicussion of the Rate Classification Actuarial Standard of Practice, ASOP #12: its purpose, its scope, guidance, and examples.

Description: Panel discussion, by a physician and an actuary, about the historical forces behind various trends in organ transplant experience data.

Description: Discusses the life company actuary's responsibility to the insurance buying public, and the relationship to his concurrent responsibility to the agency force, stockholders, and present policyholders. Also discusses the employee benefit actuary's responsibility to plan beneficiaries and the relationship to his concurrent responsibility to employers and unions, and the public's interest in actuarial techniques and its need for meaningful actuarial explanation.

Description: A critique of the SOA's co-sponsoring of the Manhart Brief which addressed sex discrimination in pension rates. This critique argues that the brief violates the SOA constitution by expressing not just facts, but opinions, without following specified procedures for doing so.

Description: Model governance must deal with the effects organizational culture, including normalization of behaviors that are inconsistent with appropriate governance.

Description: This e-book contains topical essays that express the opinions and thoughts of a number of authors on the subject. It should be understood that the thoughts and insights shared herein are the opinion of the authors and not necessarily those of the Society of Actuaries, the Casualty Actuarial Society, the Canadian Institute of Actuaries, or corresponding employers of the essayists.

Description: Discussion of rate differences by family tier and risk class for LTC and Medicare Supplement plans, and to what extent these differences are fair, ethical, legal, or actuarially sound.

Description: Remarks on the pricing of joint LTC policies illustrate the need for an actuary's responsibility to the law, and to best practices, to take precendence over serving sales, marketing and underwriting objectives.

Description: Chairperson's Corner discussing actuarial principles and what we as actuaries value in our work.

Description: How insurers can build trust with the customers, particularly in the context of micro-insurance.