Description: A review/highlights of the report on US population mortality improvements for the 4 years up to 2001

Description: A discussion about how insurance companies weathered the storm of low interest rates in 2003.

Description: The Mortality Studies Working Group MSWG of the Society of Actuaries was created to review the issue of the frequency of the standard ordinary individual life insurance mortality experience studies and the published reports of those studies. This report discusses these issues and makes recommendations.

Description: A discussion of how patents can be used to recover the cost of innovation in product development and operations

Description: Discussion the issues/difficulties associated with setting mortality assumptions for the later durations of life insurance illustrations. Because some UL products incorporate low cost of insurance charges in late durations as part of the current scale in the product design, some conclude that mortality improvement assumptions are being employed in the disciplined current scale, in violation of the Model Illustrations Regulation.

Description: This article discusses whether or not the Preferred risk class wears off over time.

Description: This article presents the benefits of return of premium term riders.

Description: This article gives an overview of the first Applied Actuarial Research Conference AARC.

Description: Factors for insurers to consider when developing their first equity-indexed universal life product.

Description: Income i.e., immediate annuities are insurance products that benefit from mortality pooling, so they can generate the highest level of lifetime “income now” per dollar of retirement assets put to work. Including an income annuity as a portion of a retirement portfolio often results in an immediate increase in the level of income generated by that portfolio while at the same time ensuring that a portion of the total income is payable for a lifetime.