Description: This paper uses a mortality surge model to estimate the total financial impact on the U.S. insurance industry of a flu pandemic. It does not attempt to determine the probability of such a pandemic.

Description: This article will consider several issues arising from ACO budgeting and pricing of stoploss coverage, including: 1) attribution of members; 2) claim carve outs; 3) ambiguous stoploss terms; 4) providers gaming the system and 5) credibility of data.

Description: A discussion of the Brazilian Health Industry

Description: A broad discussion of Israel’s Life Insurance Industry

Description: Discussion of Ley 100/Law 100 in Colombia, which was ratified in 1993 and linked the government pension plan with a government-sponsored and controlled yet, privatized health plan.

Description: This article discusses two recent 2005 IRS private letter rulings that involved the meaning of “cash surrender value” as used under code section 7702, which defines a life insurance contract for federal income tax purposes.

Description: A discuss of notice and consent requirements for employer-owned life insurance policies and the IRS rules again on an annuity-LTC combination product.

Description: The comments of DxCG about their participation in the SOA study A Comparative Analysis of Claims-Based Tools for Health Risk Assessment.

Description: This one page paper highlights the results of the various comparisons for both R2 and MAPE at the individual enrollee level.

Description: A change in the way in which statutory life insurance and annuity reserves are determined in the United States is heading toward adoption. Currently, the Actuarial Opinion and Memorandum Regulation AOMR combines formulaic factor-based minimum reserves with reserve adequacy testing. The American Academy of Actuaries Academy is working with the National Association of Insurance Commissioners NAIC to finalize the basic framework of a principles-based reserve PBR methodology, based on a gross premium valuation, for life insurance products. The NAIC Life and Health Actuarial Task Force LHATF has also been considering Actuarial Guideline VACARVM that would introduce a PBR method for the valuation of variable annuity contracts.