Description: Family structures have expanded in recent decades and so have some beneficiary forms in insurance, banking and investment accounts. This essay includes suggestions for further expansion of those little-discussed but very important forms.

Description: In light of the increased frequency of the Black Swan stock market events, how should individuals and couples plan for retirement and try to manage the risks involved once retired? Specifically, how much of their retirement assets should they invest in risky rather than less risky assets?

Description: COVID-19 Retirement Essay

Description: The Society of Actuaries’ (SOA) Aging and Retirement Strategic Research Program in collaboration with the International Association of Black Actuaries (IABA) and the Organization of Latino Actuaries (OLA) are pleased to publish this essay collection on Aging and Retirement Issues in People of Different Races and Ethnicities. This effort explores how differences in wealth and retirement outcomes are experienced by people of different races and ethnicities and promotes a better understanding of the underlying issues surrounding the differences.

Description: A collection of essays received in response to the Committee on Post Retirement Needs and Risks Call for Essays exploring ideas and thoughts on working in retirement and phased retirement programs.

Description: The roots of the crisis are understood on a simplified basis, by 3 Ls: a Lack of accountability b Leverage and c Liquidity. Historically, people requiring mortgages sought their mortgages from local institutions that would conduct the evaluation and hold the risk. Loan officers of these institutions were accountable for the outcomes of their decisions – defaults were a direct reflection on their judgment. Leverage was a second key factor. Institutions guaranteed mortgages against default. The third L, liquidity, because a problem. When property values eventually evidenced their inevitable fall, defaults occurred at historically high rates.

Description: This is a collection of essays from the Society of Actuaries Research Institute, focusing on the potential impact of AI on human longevity and its consequences for modeling future survival/mortality. It includes various essays discussing AI's role in mortality modeling, life expectancy, and implications for actuarial methods.

Description: The SOA ImpACT Conference is the premier gathering of industry experts, employers, actuarial professionals, and thought-leaders. Save the date for the 2030 ImpACT Conference.