Description: There are two key trends in the preneed and final expense insurance market, the first being small independently held preneed insurance companies presenting attractive acquisitional benefits and secondly, changing consumer attitudes may drive increased final expense activity in the future.

Description: Article on mortality anti-selection - different versions of the Dukes/MacDonald approach to measuring mortality anti-selection resulting from high lapse rates and/or term products with explicit re-entry provisions.

Description: In this article, we discuss the future of wearable technology in life insurance. Evidence from recent research shows that low levels of physical activity, as measured by steps per day indicate much higher mortality risk while higher levels of activity correspond with lower risk. The article shares insights of how insurers can use wearables to innovate by improving the customer journey, expanding insurability, engaging customers, promoting healthy lifestyles and improving risk assessment. Lastly, we discuss the challenges and considerations when using new data and technology to ensure success.

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

Description: Report summarizing the results of the 2011 PBITT UL with Secondary Guarantees Survey

Description: This is a addendum for the research report summarizing results of premium persistency assumptions used by life insurers for flexible premium UL products.

Description: Milliman was engaged by the SOA to conduct two Accelerated Underwriting (AU) surveys, one of direct companies and another of reinsurers. The surveys explored actual results from 2019–2021 and expected results from 2022.

Description: The article discusses the continued popularity of indexed UL insurance and possible reasons why a company's actual indexed UL earnings may be below their original pricing expectations for the product. The article discusses several key items that may be the source of that underperformance (e.g., hedge ineffectiveness, policyholder behavior) and the need to monitor earnings and perform analyses to better understand those potential sources.

Description: The Excel spreadsheet contains the supporting source lapse rates for figures within the U.S. Individual Life Insurance Persistency report. The data for this report, and the Excel spreadsheet, represent experience years 2009-13.

Description: Report summarizing the results of the 2013 PBITT UL with Secondary Guarantees Survey.