Description: This paper responds to the comments on the Total Career Benchmark Model, consistent with Retirement 20/20 principles, focuses on reconstructing and maintaining a consistent and reasonable sharing of risks and rewards amongst the four stakeholders: Individuals, Society, Employers and the Markets. Modern technology provides the necessary tools. A series of benchmarks are used for tax limits, target pensions, accrual to date etc. The self adjusting, consistent benchmarks under the TCB Model, means that all stakeholders speak the same language. Individuals and Employers can easily compare what they have to what they need – and more importantly can see how to accrue what is needed. An individual’s ability to tax shelter income over a career is not dependent on the design of any employer pension plan. All funds allocated to an individual remain the individual’s and are not used to subsidize another person – except for the inherent risk sharing of an annuity – by hidden transfers of value.

Description: Based on interviews with C-level executives, this report offers insights on the role and actions of the global insurance industry in addressing climate change

Description: Growing in popularity, coverage of Independent Provider services under long-term care insurance plans providing home health care benefits presents unique challenges—from product design to claims practices.

Description: Evaluation of Taiwan's National Health insurance program and a discussion of a managed competition model to reform it.

Description: Summary of a speech given by Raymond Chang, the chairman of the board of CI Fund Management Inc., about investing in the Far East.

Description: The authors explain a grassroots model for health-risk pooling that is being used in India. They explain why traditional health insurance models have not worked in this context.

Description: The Bermuda International Life and Annuity Conference highlights Bermuda’s enhanced capital and solvency framework, and growing long-term (re)insurance sector.

Description: Interview with Peter Schaefer, CEO of Hannover Life Reassurance Company of America.

Description: The SOA president discusses the goals of the SOA’s international strategy and describes her recent trip to Hong Kong and China to support these goals.