Description: Studies full and partial single-premium deferred fixed annuity withdrawals and the relationship of this activity to selected characteristics of the contract. This report shows results for the calendar years 1984 - 1989 on business issued between 1978 - 1989.

Description: This paper describes the application of source of earnings 'SOE' analysis methodology to the reported pre-tax GAAP income of universal life and other interest-sensitive life and annuity products.