Description: Overview of evolving industry trends and examples of how life insurers in Canada are innovating.

Description: Proposes setting premiums such that inflation and age could change the premium over time, rather than prefunding. The value may be to change the approach to pricing LTC and improve the risk.

Description: The author analyzes why LTCi is so risky, capital-intensive and unprofitable, and then makes the case that if we rethink the fundamental way a stand-alone LTCi should work, it can be transformed into a successful product.

Description: An interview with Joe Gilmour to share his views on the future innovations in underwriting that will help grow the individual life insurance business.

Description: Summary of SOA research report "Optimizing Risk Retention" which applies parametric survival models and Monte Carlo simulation to a block of term life business.

Description: The author discusses changes in LTC insurance transactions.

Description: Article focuses on a number of strategies that can be used to improve results in a DC plan. It is based on information from several outside sources. It encourages people with DB backgrounds to learn more about DC issues.

Description: Living beyond ones life expectancy poses many challenges. Among them are financial issues. Though there are products and strategies available that retirees could use to mitigate this financial risk they are seldom used. Reasons range from high cost, lack of awareness of the available options, and general underestimation of longevity risk. This paper poses the question as to whether the federal government can provide a solution to this potential problem in a fair and cost efficient manner. Ideas are presented as well as a discussion of the pros and cons of such a program concept.

Description: This article discusses the risk-sharing arrangements provided by a number of different types of hybrid pensions, focusing on hybrid designs in the United States, Canada and the Netherlands, with particular emphasis on the New Brunswick (Canada) shared risk plan.

Description: Article from The Actuary, March 1972 – volume 6 - Issue 3 provides the author's comments on Health Maintenance Organizations and describes an opportunity for actuaries to apply as service providers to this developing industry.