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: This article is based on a presentation made by Jim Campbell at the Annual Conference of the Professional Insurance Marketing AssociationPIMAon banks in todays insurance distribution landscape. From News Direct, September 2005, Issue No. 51.

Description: This article presents the author's views on how direct writers of term insurance should view and monitor their reinsurance.

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: Recently, there has been an increase in the product development of simplified issue products in the United States. In the past two years, Gen Re LifeHealth has reviewed over 40 such products, ranging from vanilla direct-marketed products to high-end single premium immediate annuity SPIA paid universal life products. From Small Talk Newsletter, June 2005, Issue No. 24.

Description: Designing and Pricing LTCI Combination Products by Carl L. Friedrich from Long-Term Care Newsletter, December 2004, Issue No. 13.

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: Articles on IRS private letter rulings on combination products, IRS treatment of reinsurance under section 845, and IRS waivers for failed contracts under section 7702.

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 contains reviews of the following books: 1. 'Accounting for Life Insurance Companies' by Charles L. Van House and W. Rogers Hammond, 2. 'Accidents and Homicide' by Albert P. Islsant and Paul V. Joliet, 3. 'Prognosis: Clinical Factors in Risk Appraisal' by Thomas A. Keith, 4. 'Early Retirement: The Decision and the Experience' by Richard Barlield and James Morgan, 5. 'Pension Fund Investment Management' edited by Esmond B. Gardner, and 6. 'Tower of Strength: A Centennial History of the New Zealand Government Life Insurance Office' by C. W. Vennell. Notices of miscellaneous notes and studies are also included. From Transactions of Society of Actuaries 1970, Vol. 22, Pt. 1, No. 62.