Description: Summarizing the four C’s of reviewing an ORSA: Comprehensiveness, Consistency, Comparability, and Consumability

Description: Describing how to use a Score Card when reviewing and ORSA

Description: Response to Life Insurance 2020 Foresight – A Call for Essays. An essay stating the author’s vision for the future of the life insurance sector.

Description: The roots of the crisis are understood on a simplified basis, by 3 Ls: a Lack of accountability b Leverage and c Liquidity. Historically, people requiring mortgages sought their mortgages from local institutions that would conduct the evaluation and hold the risk. Loan officers of these institutions were accountable for the outcomes of their decisions – defaults were a direct reflection on their judgment. Leverage was a second key factor. Institutions guaranteed mortgages against default. The third L, liquidity, because a problem. When property values eventually evidenced their inevitable fall, defaults occurred at historically high rates.

Description: Story submitted for the 10th Speculative Fiction Contest - 2013.

Description: Muhlenkamp defines "risk" as the probability of losing purchasing power. This essay questions whether one year periods are appropriate to measure volatility. It proposes fundamental reason why equity returns exceed bond (or any other) investment class which is unrelated to statistical variances.

Description: The SOA ImpACT Conference is the premier gathering of industry experts, employers, actuarial professionals, and thought-leaders. Save the date for the 2030 ImpACT Conference.