Description: Discussion the issues/difficulties associated with setting mortality assumptions for the later durations of life insurance illustrations. Because some UL products incorporate low cost of insurance charges in late durations as part of the current scale in the product design, some conclude that mortality improvement assumptions are being employed in the disciplined current scale, in violation of the Model Illustrations Regulation.

Description: This article discusses whether or not the Preferred risk class wears off over time.

Description: This article presents the benefits of return of premium term riders.

Description: Factors for insurers to consider when developing their first equity-indexed universal life product.

Description: As part of its recent change in focus, the Marketing and Distribution MAD Section has undertaken two initiatives which require specialized assistance. The first of these is to identify individuals with expertise and/or a common interest in various areas related to marketing and distribution. The second initiative addresses the broad product development process that surrounds actual product design and pricing.

Description: discussion of a LIMRA survey on the quantity and types of recent product development efforts of life insurance companies and the considerations driving these efforts

Description: Discussion of an Actuarial Guideline dealing with the regulation of minimum cash values for return of premium term, a new product in life insurance.

Description: discussion of a new product idea for retirement planning which integrates a variety of needs estate death benefit, annuity income, disability income, etc. into one product

Description: Discussion of combination long-term care insurance and annuity products.

Description: discussion of an insurance product which ensures the payment of an anticipated tax refund, in order to allow the taxpayer to borrow against that refund to meet liquidity needs.