Description: Describes the methodology of conditional stochastic pricing.

Description: Compares how other industries (in this case, Fast Food) researches and tests new products. Provides examples of how the insurance industry can efficiently research and test new product concepts before going to market.

Description: Feature article discussing the Life Settlements business: recent growth, pricing, and future of the business.

Description: In a very general setting this paper describes a straightforward, non-parametric approach to aggregate "stand-alone" or marginal distributions with desired correlations without imposing additional assumptions on those marginals. We then develop two optimizations for the enterprise, one based on maximizing return on economic capital and the other based on a mean -semivariance efficient frontier from the investor point of view.

Description: This paper responds to comments on a proposed compulsory savings program combined with transparent investment vehicles designed to promote competition based on expense levels, fund performance and customer service. At retirement 50% of the account is annuitized in Participating Variable Annuity (PVA) backed by TIPS. All investment experience, expenses, and pooled longevity experience is passed to annuitants through periodic benefit adjustments. Annuities are priced uniformly based on age at commencement.

Description: The future holds many changes. We've already dealt with major changes over the last few decades. This article goes through tips to embrace change effectively.

Description: Approaches to filing, approving and implementing LTC rate increases impact policyholder behavior regarding retaining/modifying their coverage.

Description: This article compares the pros and cons of two methods for projecting LTC utilization: an average utilization method and a distribution method.

Description: The article describes a dynamic investment strategy for defined benefit pension funds to de-risk the plan by changing the asset mix based on the funded ratio.

Description: The "feel free" strategy helps retirees understand when they can retire, how much they can spend and how much guaranteed income they might want. The approach is very simple - divide your age by 20 and feel free to spend that percentage of your savings in a year.