Description: This article discusses the potential characteristics of health care reform and the associated impact on small insurance companies.

Description: This article explains the concept of 'duration' for measuring asset sensitivity to interest rates, looks at different types of duration, and implications of relying on the wrong measure.

Description: This article discusses the pending elimination of Section 7 exemption for small companies.

Description: Three tax-related articles of interest to those associated with smaller insurance companies.

Description: This article is the first in a series of articles on insurance applicant mortality risk analytics. From Small Talk Newsletter, Issue 37, January 2012.

Description: Describes several regulatory changes that may impact the actuary working in a small company. These changes are not related to Principle Based Reserving.

Description: This article discusses the stability in income provided by reinsurance and the associated cost.

Description: This article explores Simplified Issue SI as a product. There is a small-company slant toward SI whole life because the vast majority of my experience with SI is in the senior market. However, most of what will be discussed still applies to all SI.

Description: Recently, there has been an increase in the product development of simplified issue products in the United States. In the past two years, Gen Re LifeHealth has reviewed over 40 such products, ranging from vanilla direct-marketed products to high-end single premium immediate annuity SPIA paid universal life products. From Small Talk Newsletter, June 2005, Issue No. 24.

Description: This article summarizes current regulatory activity discussed at the Spring 2009 meetings of the N.A.I.C. and the National Council of Insurance Legislators.