Description: Discussion of how the weak equity environment has led to a growth in the sale of fixed annuities and fixed account allocations within variable annuities. Includes a description of typical product design features and changes in the nonforfeiture laws to accomodate the low interest rate environment.

Description: Author suggests the newly popular Equity-Indexed Annuity product can be transformed into Equity-Indexed Immediate Annuity to serve additional retirement needs.

Description: This article gives the highlights of the 88-page report including detailed assumptions for products including universal life with secondary guarantees (ULSG), cash accumulation universal life (CashAccum), current assumption universal life (CAUL), indexed universal life (IUL) and variable universal life (VUL). The 29 companies and 83 products represented in the report allow for an interesting perspective on premium persistency assumptions used in pricing, cash flow testing (CFT) and generally accepted accounting principles (GAAP)/international financial reporting standard (IFRS) functions. This article covers some general results and ULSG-specific results.

Description: Article includes a summary of Milliman's 10th annual survey of leading UL and IUL industry competitors. Product and actuarial issues are covered.

Description: This article provides a summary of the key findings from Milliman's 8th annual survey of lading UL carriers. The survey covers issues and challenges of UL/IUL products and allows companies to benchmark their practices against the competition.

Description: As term carriers continue dealing with the implementation of PBR, the 2017 CSO mortality table, accelerated underwriting programs and predictive models, one wonders what the next significant challenge will be for the term market. The implications of these changes are yet to be seen fully, and monitoring of the results will be important in the years to come. ...

Description: Full version of Product Matters! April 2003, Issue No. 55.

Description: Summary of 2017 Milliman broad- based survey on term life insurance, providing benchmarking for carriers active in the term life market.

Description: Key findings from Milliman's 2018/2019 UL/IUL survey. Provides benchmarking for UL/IUL competitors relative to trends in the industry.

Description: A discussion about how insurance companies weathered the storm of low interest rates in 2003.