Description: It is worth the effort to obtain a pricing surface. It helps make an informed decision and facilitate the pricing conversation within and outside a company.

Description: Written in reaction to the AG49-A "quick-fix" passed, this article covers the history of IULillustration regulation. It begins by covering major product development and regulationmilestones to date, with numerical examples to show their impacts on illustrations. It thenexplains how the "quick-fix" works and what its impact on illustrations is. Lastly, the articlelooks forward to what could be in store in the future for IUL illustrations.

Description: Discussion of formulas for determining substandard extra cost of insurance charges for universal life or variable universal life policies.

Description: Tillinghast conducted a survey of mortality tables that life insurance companies used for pricing life products in 2001. One objective was to determine the underlying table being used, and the prospects of the 2001 CSO-related tables becoming a new basis for mortality measurement. This article summarizes some of the results.

Description: The article talks about market consistent pricing, how risk neutral pricing and real world pricing are not fundamentally different if used appropriately. And using that knowledge, a rather new concept called the risk-adjusted real world pricing, which is a method where a mixture of risk neutral and real world pricing to achieve a holistic view on pricing, will be introduced.

Description: A high level review of IRR methodology, common issues in calculation, and IRR applications in insurance.

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: This article addresses the issues of short-term volatility, the non-equivalency of traders and, how product development is being impacted by market consistency.

Description: Ways of closing the mortality protection gap, by leveraging some of the new technology, data and analytics to reduce the friction in the buying process.

Description: Discussion of topics addressed at pricing methodologies seminar,including a review of the results of the Tillinghast Pricing Methodology Survey. This survey covers the most popular profit measures for various companies within various product lines. The concept of market consistent embedded value was also discussed, as well as a review of pricing indexed products. Finally, there were case studies presented on pricing Universal Life with Secondary Guarantees, Return of Premium Term and Variable Annuities with Living Benefits