Description: Discussion of UL products with secondary guarantees and how they are similar to and different from traditional life insurance products. Discussion of possibility they are lapse supported in their pricing.

Description: This article discusses how to use distribution systems to get a bigger share of wallet with each customer.

Description: Comments from the Chair - Continuity and Change

Description: Lessons learned by an actuary who makes a move to the dark side, sales and marketing, and becomes successful.

Description: The Congressional Budget Office reports that out-of-pocket expenses accounted for 19 percent of the total long-term care LTC expenses in the United States in 2006, and private LTC insurance accounted for only 8 percent of these expenses, which shows that Americans are underinsured for LTC expenses. While it is true that public programs like Medicaid and Medicare cover much of the nation’s LTC expenses 68 percent of the total LTC expenses in the United States in 2006, eligibility for these programs comes at a great cost to the individual.

Description: An article from the Chairman of the Product Development Section Council with a brief discussion of plans for the section for the upcoming year 2009.

Description: discussion of the Product Development Section’s plans for the annual meeting.

Description: This article discusses the potential impact that low interest rates can have on the Life Insurance industry, even if they occur for a short period of time.

Description: This article announces the product development section 2012 council members and introduces the new members Stephanie Grass, Kurt Guske and Tim Rozar.