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  • Universal Life Enhancements
    Universal Life Enhancements This session discussion is about universal life enhancements. From Record ... Society of Actuaries Vol. 15, No. 2. Long-term care=LTC;Product development;Taxes=Taxation;Modified ...

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    • Authors: Application Administrator, Carolyn Janda Stontz, Allan Johnson, Richard C Klein, Robert E Rachlow
    • Date: May 1989
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Universal life
  • Universal Life [UL] Secondary Guarantees: What's the Real Risk?
    secondary guarantees, critical illness and long-term care. Prior to joining AON, Mike worked both in consulting ... away from variable products, and UL has been the primary beneficiary of this shift. However, I think the ...

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    • Authors: Michael LeBoeuf, Daragh OSullivan, Elinor Friedman, Scott Witt
    • Date: Jun 2004
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Universal life; Reinsurance
  • Regulatory Debate [Part 1]: Universal Versus Whole Life
    the consumers and assuming the companies will take care of themselves. Regulation is supposed to be ... international theme and say, "Competition will take care of that to the extent that the consumers want it ...

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    • Authors: David Hippen, David Simbro, Michael Scott Smith, Elinor Friedman, Jeffrey M Dube
    • Date: Oct 2002
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Universal life
  • Universal Life - Three Different View Points: Stock, Mutual, Canadian
    about a year and a half. We will discuss three primary topics with a follow-up discussion of federal income ... work was carried out by a task force under the direct supervision of the president. My own involvement ...

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    • Authors: Allen D Booth, Arnold Dicke, Ken Magee, John Palmer
    • Date: Oct 1982
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Universal life
  • Universal Life Update
    surveyed. These are the questions that will form the primary discussion of our panelists today. The questions ... design is used. Others suggest that com- missions to direct agents and PPGA's will move to higher levels.

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    • Authors: Christian J DesRochers, Robert D Hogue, Application Administrator, R Stephen Radcliffe
    • Date: Apr 1982
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Universal life
  • Universal Life
    discuss some, but by no means all, of these. The primary concern of the administrative system for this type ... is not unusual for the tail to wag the dog. A primary factor in the marketability of universal life versus ...

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    • Authors: William Carroll, Daniel Case, Christian J DesRochers, Harold B Leff, James Robinson
    • Date: Apr 1983
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Universal life
  • Universal Life
    markets are we talking about? We're talking about the direct sale market, salary savings market, pension market ... suicidal practices that are leading to losses for the direct writers, losses for the reinsurers, and insufficient ...

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    • Authors: Darlene H Davis, Michael F Davlin, John Fritz, Dale W Hotze, Randall Mire
    • Date: May 1983
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Universal life
  • Future Trends and Current Developments in Individual Life Products
    income taxes, not excess field costs, are the primary reason permanent insurance is less competitive ... the term commis- sions. The 150% factor reflects direct commissions, first year manager over- rides and ...

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    • Authors: David R Carpenter, Spencer Koppel, Alan W Sibigtroth, John E Tiller
    • Date: Oct 1979
    • Competency: External Forces & Industry Knowledge; Technical Skills & Analytical Problem Solving
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Pricing - Life Insurance; Life Insurance>Term life; Life Insurance>Universal life; Public Policy
  • Adjustable Life Products
    total result should be considered - not only the primary effects, but also the secondary effects. Since ... objectives are, let me suggest several. First, the primary objectives - relating to the purpose of providing ...

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    • Authors: Robert E Hunstad, Wilfred A Kraegel, WALTER L CHAPIN, Charles L. Trowbridge, James C H Anderson
    • Date: Oct 1976
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Universal life
  • Current Statutory Reporting Topics for Life and Annuity Products
    policyholder dividend liability, the Long-Term Care Guidance Manual and the revisions to the Generally ... recently. The B committee has adopted the Long-Term Care Guidance Manual. It takes the position that minimum ...

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    • Authors: Meredith Ratajczak, Harry R Shissler
    • Date: Oct 2002
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Annuities>Capital - Annuities; Annuities>Reserves - Annuities; Annuities>Variable annuities; Financial Reporting & Accounting>Statutory accounting; Life Insurance>Reserves - Life Insurance; Life Insurance>Universal life; Life Insurance>Capital - Life Insurance