Description: Home page for posting this report, which examines why professional financial advice is generally not available to the non-affluent segment of the American public

Description: At the outset, this paper discusses the current rules governing benefit distributions from defined contribution plans in the United States and other countries. Next, this paper explains the various types of financial products that can be used to provide defined contribution plan participants with lifetime retirement income. Finally, this paper considers how distribution rules and regulations can be used to encourage retirees to take their defined contribution plan distributions in the form of annuities or other lifetime income products.

Description: Research report describing the results of an Emerging Risks Survey conducted in 2012. The report includes comparisons to the four previous surveys as well as a survey sent to INARM members in April 2008.

Description: This SOA report identifies methodologies currently in use by life insurers as well as potential new strategies to manage balance sheet and income volatility risk associated with fair value and related accounting

Description: This paper focuses on credibility when used in the underwriting and pricing of group medical insurance. In this report, group medical refers to broad comprehensive major medical coverage that reimburses the insured for practically all necessary health-related services, subject only to a very high payment limit and modest member cost-sharing in the form of copays, deductibles, and coinsurance. Readers are expected to have some familiarity with this coverage.

Description: This report explores the impact on financial assets as baby boomers enter into retirement. The authors conducted a literature search and then a detailed analysis of two papers supporting the theory demographic factors can have an impact on asset prices.

Description: This report covers the latest emerging trends in U.S. population mortality. The SOA relied upon data furnished by the Centers for Disease Control and Prevention (CDC). Observations are based on the CDC’s recent release of 2016 mortality experience, along with prior mortality experience data from 1999 through 2015.

Description: This paper provides actuaries with background and scientific knowledge to understand global climate change and climate model projections for the 21st century.

Description: This report focuses on analyzing and managing climate change and carbon risk in the equity investment portfolios of insurance company and pension fund assets.

Description: This project aims to understand pension participants’ investment and withdrawal behaviors and provide guidance in pension plan design, with China’s data.