Description: This article describes the potential effects of a Guideline Premium Forceout on the policy values and administration of Universal Life policies.

Description: The article explores impact of resetting cap vs static cap choice for the GLWB rider for a Fixed Index Annuity for a Point to Point. Moreover, analysis of a Monthly Sum Cap is provided showing impacts of particular choices of market models (e.g. Black, Heston, Bates) used to price this deal.

Description: To increase awareness of current research, cognitive treatments, brain exercise programs and overall long-term care, we will be adding a regular feature to the LTC Section newsletter, tentatively called the “Cognitive Corner.” This feature will provide a place to share existing academic research and health-related outcomes related to cognitive factors. It is the hope that this information will spur thought-provoking discussions and debates that impact your work regarding these hypotheses.

Description: The article focuses on some of the major challenges and considerations an insurance carrier faces with pricing, management, and administration of LTC Combo Products.

Description: Discussion of the recent promulgation of the mega rule interpreting HIPAA and GINA and the potential impact of the mega rule on long-term care insurers' use of genetic information in underwriting coverage.

Description: This article summarizes the results of the survey covering industry practices relating to the valuation of variable annuities under FAS 133/157 including implied volatility parameters used in the FAS 133/157 liability scenario generator, non-performance risk and liquidity premium adjustments to discount rates, as well as the determination of risk margins.

Description: Illustrates the effects that proposed GAAP changes will have on earnings emergence of universal life contracts.

Description: Comparison of healthcare costs for early retirees versus active workers in the same age band. When adjusted for age, there is not a significant difference in costs between each group.

Description: This article contains excerpts from the first three articles that were released through the strategic initiative - Commercial Health Care: What’s Next?

Description: Discussion of the latest report of the Individual Life Experience Committee ILEC Mortality for Standard Individually Underwritten Life Insurance Between 2005 and 2007 Policy Anniversaries.