Description: The article is based on a study of causes of insolvency and decisions made by management, regulators, and policyholders over the life cycle of the insolvency.

Description: Many top-performing businesses aren’t just risk aware, but rather risk intelligent. Such a posture helps prepare companies for a major event and can demonstrate to a regulator or auditor that an appropriately strong control framework is in place. Better still, companies gain real strategic value from a “risk adjusted” understanding not only of their threats and vulnerabilities, but also the upside opportunities associated with various risks. It starts with having both qualitative and quantitative information to identify, assess and manage risks. Strategic risk management, at its core, is about creating value by increasing transparency and accountability, and quality of information. More than a mere compliance exercise, effective risk management enables more informed strategic decision making, increased accountability and transparency, a greater likelihood of organizational success, and – ultimately – competitive advantage, as borne out by many studies that correlate risk management and financial results.

Description: The world around us keeps changing F.A.S.T. propelling life insurance companies to respond with F.R.E.S.H. product solutions.

Description: The pension and longevity risk transfer market is growing rapidly, with British-pioneered pension and longevity de-risking emerging outside of the UK and US, with over $270bn in transactions completed globally since 2007. Emerging markets include the Netherlands, Germany, Switzerland, France and Australia. This article describes the solutions available to plan sponsors who are looking to secure member benefits and achieve a lower risk future, and provides real-world examples of companies who have used innovative solutions to meet their unique needs.

Description: This article discusses the current state of the IAIS' initiative on their group Insurance Capital Standard.

Description: This article summarizes the presentations by the Society of Actuaries and the Academy of Actuaries at the January 2015 National Academy of Social Insurance (NASI) Roundtables in Washington DC. SOA presented on the 2014 SOA monograph series "The Link between Retirement Security and Long-Term Care."

Description: A bipartisan Maryland effort created a PUBLIC/PRIVATE Governor's Task Force to develop recommendations to educate residents regarding LTC risk and planning.

Description: Letter from the Chair of the Product Development Council. Challenging times bring opportunities. Today's low interest environment is a rallying cry for our industry to transform our products and the way we do business