Description: This paper provides an overview of deductible ratemaking , and the pros and cons of various approaches under different parametric models are compared

Description: This issue brief focuses on the importance of analyzing the pros and cons of taking a lump sum or monthly annuity payments upon retirement from the workforce.

Description: This report studies the interrelationships between the general levels of unemployment in the economy and the sale and persistency of insurance products. The report explores whether insurance products have reduced sales and persistency as the level of unemployment increased in a given economic environment.

Description: Compares discount rates for computing pension plan liabilities for funding purposes across single employer, multiemployer and public pension plans in the U.S.

Description: The report examines various benchmarks for analyzing option adjusted spreads of the major fixed income asset classes of life insurance companies.

Description: This research report on the ability to influence annuity purchases found the following contrast: • Pre-retirees’ intentions to buy a life income annuity appear to be impacted by the interventions tested in this research. There were stronger effects when pre-retirees were provided with basic information, such as life expectancy, and anecdotal evidence. • Retirees’ annuity purchase intentions do not appear to be impacted by the interventions used in the study.

Description: This report provides key findings from the 2005 Risks and Process of Retirement Survey related to what people mean by retirement and how they retire. It also examines the significance of potential labor shortages and the possibility of people working longer.

Description: This report presents results for industry long-term care insurance persistency.

Description: This project has four phases. Phase 1 develops the framework for using a portfolio approach to developing retirement income strategies, and establishes a baseline for comparing to future phases. Phases 2, 3 and 4 analyze more complex retirement income solutions than Phase 1, to determine if the additional complexity improves projected outcomes and can be justified by the potential to deliver more favorable results. Interim reports have been prepared for each phase and can be found on the SCL and SOA websites. This report integrates the findings and conclusions from the Interim Reports, to help plan sponsors and their advisors consider the various goals, RIGs, and retirement income solutions that were analyzed in all four phases. This report references the analyses from the interim reports, but does not replicate all of these analyses. The Interim Reports provide many more details on our analyses for all four phases and should be used in conjunction with this report.

Description: To provide a quantitative model to identify potential business disruptors and quantify their impacts.