Description: The article is based on a range of industry insights, and provides readers with a broad overview of the emerging markets, industry trends, and challenges.

Description: brief discussion on Solvency II and accounting regimes, and update on Reinsurance Section activity.

Description: The author suggests ways to strengthen a company's enterprise risk management process, including the development of an "effective resilience factor," a risk metric that reflects an organization’s exposure and response to an adverse event, and measures the ability of the organization to mitigate the reduction in its operating level.

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: Based upon Salim Ismael's keynote address at the SOA Annual meeting in Austin as well as his book Exponential Organizations, this article discusses the disruptive power of two significant trends: the transformative power of new, scalable technology, and the generational shifts caused by Boomers leaving the workforce and Millennials' rise to prominence.

Description: Our society has made promises with respect to retirement, care of the aging baby boom generation, and debt repayment that in total cannot be met. We will need to break some of these promises.

Description: Brief description of articles contained in the newsletter.

Description: A discussion of the future of the Brazilian Health Market with a focus on the legislation which passed in June 1998 to regulate the private health insurance industry

Description: A review of the Australian retirement incomes system and an assessment of necessary changes to improve its effectiveness.