Description: The paper summarizes results from two doctoral dissertations. The first discusses integration of insurance products with investment products to mitigate the risk of outliving one’s assets. The second discusses modeling and pricing for the longevity risk in the secondary market in insurance, including a provision for adverse deviation PAD.

Description: A contract owner selects a payout for his annuity using an AI/bot. The AI/bot presents various options with differences in payment and interacts with him in a simulated chat session. He decides on the form of payout. Compared to regular customer service the AI/bot was an improved experience with a call to action for the industry to build it.

Description: I recommend a Social Security deferral product, and two annuity enhancements. I then discuss the challenges faced in getting such products distributed.

Description: The article discusses PLR 201632004, which addresses the partial annuitization rules of IRC section 72(a)(2) in the context of a deferred income annuity rider attached to a variable deferred annuity contract.

Description: The Individual Annuity Experience Committee of the Society of Actuaries has completed an experience study of individual annuities covering the calendar years 2000 - 2004. The intest of this study was to provide recent annuitant mortality experience which can be compared to the Annuity 2000 Mortality Table, and provide a basis for a possible revision to that table. These are 2 Pivot table data for that experience study. One is for all companies combined and the other is for 10 common companies. Please see the SOA website experience studies for the complete report.

Description: I propose a Social Security deferral product and two annuity enhancements. Then I address the challenges in getting such products distributed.

Description: Presents improvements in annuitant mortality within Canada from 1921 - 1986, with trend factors.

Description: This report is jointly sponsored by LIMRA International and the Society of Actuaries in collaboration with Ernst & Young. It describes Substandard Annuities and discusses the market opportunity for them, underwriting, the associated risk management issues, and the issues companies need to address when competing in the substandard annuity market. It discusses the single premium immediate annuity, SPIA, in relation to substandard annuities and the differences between the products.

Description: Experience study of individual payout annuities, covering calendar years 2000 through 2004

Description: Summarizes IRS private letter ruling PLR 200818018, released Jan. 29, 2008, related to treatment of certain payments under Immediate VAs as SEPPs, and discusses its significance.