Description: Discussion of the ways carriers can deliver a direct to consumer offering in a way that benefits, rather than alienates, the advisor channel.

Description: Inaugural article in a series to share resources with other actuaries at smaller companies. This article will introduce the reader to the Academy's Life and Health Valuation Law Manual, an annual publication containing numerous references, notes and guidelines to help valuation actuaries complete their statutory regulatory work.

Description: This article describes considerations that reinsurers take into account when pricing for term conversions and gives suggestions regarding items that the writing company may want to take into account.

Description: This article discusses the structure of and the dangers posed by Stranger-Originated Life Insurance STOLI.

Description: This is an article about debt protection and credit insurance as products. From Small Talk Newsletter, November 2005, Issue No. 25.

Description: Part I of a four-part series on insurance product regulations around the world. Provides a good high-level summary of the regulations as of 2002.

Description: Why a lot of traditional life insurance is not sold in Switzerland

Description: This article discusses the implications of a principle-based reserve PBR system with respect to federal income taxation of life insurance companies, particularly with respect to tax reserves and their deductibility for tax purposes. The article discusses potential problems with existing tax rules for reserve deduction, what courses of action the IRS could take, and suggestions for design features of a PBR approach that would make it more consistent with current tax rules. Life insurance product tax implications are also discussed.

Description: A discussion about premium deficiency reserves and tax regulations for employer-owned insurance contracts