Description: Employers who offer financial wellness programs that help younger employees plan for major life events could see improved employee retirement preparedness.

Description: A review of the book Abundance by Steven Kotler and Peter H. Diamandis.

Description: An account of the trials of work ethic issues and college difficulties, and the triumphant story of overcoming obstacles through careful self-improvement.

Description: veteran insurance producer, who specializes in LTC planning and insurance, discusses a range of issues from his perspective, as well as HNW clients, their financial advisers and a prominent actuary. The author describes his approach to solution development using the products currently available. He also provides excerpts of his conversation with Doug Burkle, ASA, MAAA regarding industry trends.

Description: This is an article adapted from LIMRA's 'Is There Magic in the Middle Market'? - a survey exploring the financial security needs of the middle market and the need and role of life insurance in meeting those needs.

Description: This essay focuses on elements of success in a system linked to employment.

Description: The impact of bond default risk on retirement benefit obligations describes how the probability default on a bond is similar to the probability of death for an annuitant. Bonds are used to cash flow match retirement obligations cash flows to funding from bond. Just as the probability of non-payment happens on the liability side, we can do the same with selected bonds. The end result may be an adjustment to the discount rates used.

Description: This issue wraps up the publication of essays to explore solutions available to address risks in retirement and focus on risks in a DC environment.

Description: This article takes the reader on a speculative trip to the not too distant future to explore a hypothetical new life insurance company that has completely reinvented the way it does business, and explores some of the potential benefits to consumers and the company’s stakeholders.

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.