Description: The 1990s saw the rise of many types of variable investment products within the life insurance industry. It was only natural that hedging strategies and products would emerge in response to the inherent risk of loss of value in variable life and annuity products. This article explains a 21st-century twist on the concept for annuities, the Enhanced Earnings Death Benefit EEDB Rider.

Description: The Congressional Budget Office reports that out-of-pocket expenses accounted for 19 percent of the total long-term care LTC expenses in the United States in 2006, and private LTC insurance accounted for only 8 percent of these expenses, which shows that Americans are underinsured for LTC expenses. While it is true that public programs like Medicaid and Medicare cover much of the nation’s LTC expenses 68 percent of the total LTC expenses in the United States in 2006, eligibility for these programs comes at a great cost to the individual.

Description: Continuation of article from previous issue. This article illustrates the practical and financial implications of applying nested stochastic techniques to a sample product.

Description: Full issue

Description: The Life Insurance industry is undergoing significant change and the Product Development Section provides our members with tools to help navigate this change.

Description: It is worth the effort to obtain a pricing surface. It helps make an informed decision and facilitate the pricing conversation within and outside a company.

Description: This article discusses the use of mortality catastrophe bonds as a risk mitigation tool.

Description: The article is a series of question and answers related to microinsrance with the editors of the book "Actuaries in Microinsurance".

Description: A Simplified Method for Calculating Contract Reserves for individual medical insurance. From Health Section News, June 1998, Issue No. 35.

Description: Description of the vast variety of predictive analytics topics covered by the Forecasting & Futurism section and introduction to the July 2015 issue of the newsletter.